To start your career as a mortgage loan officer, you’ll need to start by completing at least 20 hours of Nationwide Mortgage Licensing System (NMLS)- approved pre-license education. Mortgage Educators and Compliance or other approved training administrators can help you fulfill this requirement online, no matter which state you plan to work in.

Click Here to sign up for the online education courses. During this course, you will be prompted to create your NMLS account. 

After completing your pre-licensure education and passing your SAFE MLO Test, you’ll need to submit your application (Form MU4) and processing fees to the NMLS. You’ll also need to clear a credit check and a criminal background check to qualify. Be sure to coordinate with your employer if you’re already working with one — they may assist you with completing your MU4 form.

After you have completed the previous four-steps, Blake Corkill and Eddie Cisneros will work with you to introduce you to 21st Century Lending and onboard you to the brokerage.

The Secure and Fair Enforcement (SAFE) for Mortgage Licensing Act of 2008 requires mortgage loan officers to pass the national SAFE MLO Test, which includes both federal and state specific content, to satisfy testing requirements for each state. Once you’ve registered and paid for your test enrollment with the NMLS, you can schedule your test with Prometric. Exam results are available on the NMLS database after 72 hours.

The last step is to log into your NMLS account and request “Approved-Inactive” status for licensing. This status shows that you’re not currently employed as a mortgage loan originator and meet all the other requirements. Once you’re hired, your company can submit a sponsorship request with the NMLS and this “Inactive” status will be removed.

As an independent mortgage professional, you have access to a multitude of resources exclusive for the wholesale mortgage industry. Our brokerage works with designated wholesale lenders, so be sure to connect with them to hit the ground running with the cutting-edge tools, technology and training they offer to ensure your success. And join industry trade organizations like AIME (Association of Independent Mortgage Experts) to connect with the community of mortgage professionals across the country.