{"id":11025,"date":"2023-09-05T20:40:57","date_gmt":"2023-09-06T01:40:57","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=11025"},"modified":"2023-09-26T14:33:46","modified_gmt":"2023-09-26T19:33:46","slug":"how-to-become-an-mlo","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-become-an-mlo","title":{"rendered":"How to become an MLO"},"content":{"rendered":"\n<p>Looking to <a href=\"https:\/\/www.morty.com\/solutions\/independent-loan-officer\">become an MLO<\/a>? Here\u2019s our step-by-step guide to becoming a mortgage loan originator, aka a mortgage loan officer or MLO.&nbsp;<\/p>\n\n\n\n<p>First, let&#8217;s review what is a loan officer and what do they do? A residential <a href=\"https:\/\/www.morty.com\/faqs\/loan-officer\">mortgage loan officer<\/a>&nbsp;is a licensed professional who helps consumers obtain a mortgage or other type of home financing like a HELOC or HEL. Loan officers can specialize in certain <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/a-guide-for-mortgage-officers-navigating-purchase-and-refinancing-loan-options\">loan types,<\/a> but they&#8217;re able to support purchase, refinance and HELOC loans for primary, secondary and investment properties. As a mortgage loan officer, you will assist with loan applications, advise clients on different loan options, and manage the documentation process. Your role is pivotal in helping borrowers secure financing for a home purchase or refinance existing mortgages.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/important-skills-for-successful-loan-officers\">To become a mortgage loan officer<\/a> you\u2019ll need both a comprehensive understanding of the mortgage industry and&nbsp;financial regulations as well as good interpersonal and communication skills. You\u2019ll need to learn the national and state-level guidelines and will be required to pass an exam to prove your mortgage knowledge and expertise. Once you pass your exam, you&#8217;ll get hired and sponsored by a mortgage company \u2014 <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\">this could be a mortgage broker like Morty, or a mortgage lender<\/a> like a bank, credit union or non bank lender. Regardless of who you work for, the licensing process is the same. <\/p>\n\n\n\n<p>Now let\u2019s dive into our step-by-step guide of how to become a mortgage loan officer.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">In this article<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-step-1-request-your-nmls-account\">Step 1: Request your NMLS account<\/a><\/li><li class=\"\"><a href=\"#htoc-step-2-receive-your-personal-nmls-id-number\">Step 2: Receive your personal NMLS ID number<\/a><\/li><li class=\"\"><a href=\"#htoc-step-3-review-all-the-state-specific-licensing-requirements\">Step 3: Review all the state-specific licensing requirements<\/a><\/li><li class=\"\"><a href=\"#htoc-step-4-complete-both-the-national-and-state-specific-mortgage-coursework\">Step 4:&nbsp; Complete both the national and state-specific mortgage coursework<\/a><\/li><li class=\"\"><a href=\"#htoc-step-5-prepare-for-the-national-safe-test\">Step 5: Prepare for the national SAFE Test<\/a><\/li><li class=\"\"><a href=\"#htoc-step-6-pass-the-national-safe-exam-to-become-a-licensed-loan-officer\">Step 6: Pass the national SAFE exam to become a licensed loan officer<\/a><\/li><li class=\"\"><a href=\"#htoc-step-7-complete-a-background-check-and-get-fingerprinted\">Step 7: Complete a background check and get fingerprinted<\/a><\/li><li class=\"\"><a href=\"#htoc-step-8-complete-and-submit-your-individual-mu4-form-to-nmls\">Step 8: Complete and Submit your Individual (MU4) Form to NMLS<\/a><\/li><li class=\"\"><a href=\"#htoc-step-9-get-sponsored-by-a-mortgage-company-the-final-step-to-become-a-licensed-mlo\">Step 9: Get sponsored by a mortgage company, the final step to become a licensed MLO!<\/a><\/li><li class=\"\"><a href=\"#htoc-are-you-looking-for-mortgage-loan-officer-sponsorship\">Are you looking for sponsorship?<\/a><\/li><li class=\"\"><a href=\"#htoc-interested-in-getting-your-mlo-license-in-multiple-states\">Interested in getting licensed in multiple states?<\/a><\/li><li class=\"\"><a href=\"#htoc-learn-more-about-joining-the-morty-platform-as-a-mortgage-loan-originator\">Learn about joining the Morty platform.<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-1-request-your-nmls-account\">Step 1: Request your NMLS account<\/h2>\n\n\n\n<p>Start your journey to become an mlo by requesting an&nbsp;<a href=\"https:\/\/www.statemortgageregistry.com\/Public\/RequestAccount.aspx\">NMLS account<\/a>&nbsp;through the Nationwide Multistate Licensing System &amp; Registry (NMLS), which is also commonly referred to as the Nationwide Mortgage Licensing System.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-2-receive-your-personal-nmls-id-number\">Step 2: Receive your personal NMLS ID number<\/h2>\n\n\n\n<p>Once you\u2019ve registered with the NMLS, you\u2019ll receive an individual NMLS ID number. This unique identifier will be used throughout your career as a mortgage loan officer, regardless of which mortgage lender or mortgage broker you&#8217;re employed by and is sponsoring you. If you opted <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-get-licensed-as-a-mortgage-loan-officer-in-multiple-states\">to get licensed in multiple states<\/a>, the same NMLS ID will be used when registering in all of them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-3-review-all-the-state-specific-licensing-requirements\">Step 3: Review all the state-specific licensing requirements<\/h2>\n\n\n\n<p>Next, check the state-specific licensing requirements for the state that you&#8217;re planning to get licensed in. Morty has compiled <a href=\"https:\/\/www.morty.com\/resources\/loan-officer-resources\/state-licensing\">state specific licensing guides<\/a> to make things easier and more straightforward. You can also check out the the <a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/slr\/Pages\/default.aspx\">NMLS Resource Center, State Licensing<\/a>&nbsp;for state specific licensing requirements. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-4-complete-both-the-national-and-state-specific-mortgage-coursework\">Step 4:&nbsp; Complete both the national and state-specific mortgage coursework<\/h2>\n\n\n\n<p>Complete the required 20 hours of pre-licensing coursework. Pre-licensing classes for becoming a mortgage loan officer cover a range of topics from mortgage industry fundamentals and financial regulation to ethics and professional conduct. In some states, additional hours of work must be completed that are dedicated to state-specific laws and regulations. Morty recommends <a href=\"https:\/\/www.oncourselearning.com\/mortgage\/\">Oncourse Learning<\/a>&#8216;s pre license courses. If you\u2019d like other recommendations, reach out through our <a href=\"https:\/\/platform.morty.com\/join\/\">Platform Loan Officer<\/a> program.<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-image-fill-element has-white-color has-theme-palette-1-background-color has-text-color has-background\" style=\"grid-template-columns:31% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/platform.morty.com\/blueprint-guide\/\"><img loading=\"lazy\" decoding=\"async\" width=\"634\" height=\"1024\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-634x1024.webp\" alt=\"\" class=\"wp-image-12848 size-full\" style=\"object-position:50% 50%\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-634x1024.webp 634w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-186x300.webp 186w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-768x1240.webp 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-951x1536.webp 951w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn-1269x2048.webp 1269w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/12\/gewn.webp 1338w\" sizes=\"auto, (max-width: 634px) 100vw, 634px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-theme-palette-9-color has-text-color\" id=\"htoc-g\">Get a leg up with licensing.<\/h3>\n\n\n\n<p class=\"has-text-align-center\" id=\"htoc-ready-to-move-forward\" style=\"font-size:20px\">Morty\u2019s can help you prep and pass your <strong>SAFE Mortgage Loan Originator exam<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-theme-palette-3-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/platform.morty.com\/product-category\/licensing-support\/\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">licensing resources<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-5-prepare-for-the-national-safe-test\">Step 5: Prepare for the national SAFE Test<\/h2>\n\n\n\n<p>After you\u2019ve completed your 20 hours pre license course and any additional state specific education, you&#8217;ll want to purchase your SAFE exam prep materials and practice tests to begin studying and getting ready for the Secure and Fair Enforcement (SAFE) exam. This exam was instituted by Congress as part of the<a href=\"https:\/\/en.wikipedia.org\/wiki\/Housing_and_Economic_Recovery_Act_of_2008#Secure_and_Fair_Enforcement_for_Mortgage_Licensing_Act_of_2008\"> Secure and Fair Enforcement for Mortgage Licensing Act, known as the SAFE Act, of 2008.<\/a> <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-6-pass-the-national-safe-exam-to-become-a-licensed-loan-officer\">Step 6: Pass the national SAFE exam to become a licensed loan officer<\/h2>\n\n\n\n<p>To obtain your MLO license, you\u2019ll need to pass the NMLS\u2019s SAFE Mortgage Loan Originator Test with a score of 75% or higher. This exam is meant to test your understanding of core concepts in mortgage lending. The SAFE exam is 190 minutes long, and costs $110.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/profreq\/testing\/Pages\/default.aspx\">Schedule your SAFE test<\/a> at your convenience and when you feel prepared. If you do not pass the SAFE exam, you&#8217;ll have to wait 30 days to take it again.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-7-complete-a-background-check-and-get-fingerprinted\">Step 7: Complete a background check and get fingerprinted<\/h2>\n\n\n\n<p>Before you officially have your loan officer license, you must complete a Criminal Background Check via your NMLS account. You must also make an appointment to have your fingerprints taken, which can also be arranged through the NMLS portal. The current cost of these checks is $36.25.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-8-complete-and-submit-your-individual-mu4-form-to-nmls\">Step 8: Complete and Submit your Individual (MU4) Form to NMLS<\/h2>\n\n\n\n<p>Once you&#8217;ve passed your test and done your background checks, you&#8217;re ready to file your Individual (MU4) Form. Head to your<a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/Pages\/default.aspx\"> NMLS portal<\/a> to file your Individual (MU4) Form and pay your NMLS fees, which vary by state.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-9-get-sponsored-by-a-mortgage-company-the-final-step-to-become-a-licensed-mlo\">Step 9: Get sponsored by a mortgage company, the final step to become a licensed MLO!<\/h2>\n\n\n\n<p>After finding and being hired by a mortgage originator, that\u2019s either a&nbsp;<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\">mortgage broker like Morty or a mortgage lender<\/a>, you can initiate the sponsorship process by submitting the company\u2019s credentials to the NMLS for verification. As soon as NMLS gives final approval \u2014 congrats, you officially have your mortgage loan originator license!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-are-you-looking-for-mortgage-loan-officer-sponsorship\">Are you looking for sponsorship?<\/h2>\n\n\n\n<p>If you&#8217;ve completed the pre license education courses and passed the SAFE exam to become a loan officer, the next thing to consider is what mortgage company will sponsor your license.<\/p>\n\n\n\n<p>We&#8217;d love for you to be sponsored by Morty!<a href=\"https:\/\/www.morty.com\"> Morty<\/a> is a technology-enabled online<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\"> mortgage broker<\/a>. We make it quick and easy to for MLOs to get sponsored and work off<a href=\"https:\/\/www.morty.com\/solutions\/independent-loan-officer\"> our platform<\/a>. Morty also offers loan officers, and their clients, a better, more seamless mortgage experience through our<a href=\"https:\/\/www.morty.com\/products\/lender-network\"> lender marketplace<\/a> offering many <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/a-guide-for-mortgage-officers-navigating-purchase-and-refinancing-loan-options\">types of loan<\/a>,<a href=\"https:\/\/www.morty.com\/mortgage-rates\"> competitive pricing<\/a>,<a href=\"https:\/\/www.morty.com\/products\/point-of-sale\"> affordability tools<\/a>, underwriting technology, along with the <a href=\"https:\/\/www.morty.com\/products\/processing-fulfillment#processing-fulfillment\">built-in support from our processing and fulfillment teams<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-interested-in-getting-your-mlo-license-in-multiple-states\">Interested in getting licensed in multiple states?<\/h2>\n\n\n\n<p>Are you interested in getting your <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-get-licensed-as-a-mortgage-loan-officer-in-multiple-states\">loan officer license in multiple states<\/a>? To become licensed in multiple states, you\u2019ll need to fulfill the additional education requirements for each state and file your Individual (MU4) Form for each state through NMLS.Morty is <a href=\"https:\/\/www.morty.com\/legal\/licensing\">licensed in 45 states<\/a> and can help you <a href=\"https:\/\/platform.morty.com\/join\/\">quickly get sponsored<\/a> in multiple states. To help, we compiled mortgage licensing guides for many states including: <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-georgia\">Georgia<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-north-carolina\">North Carolina<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-florida\">Florida<\/a> and <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/licensing\/becoming-a-loan-officer-in-ohio\">Ohio<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\">\n<h2 class=\"wp-block-heading\" id=\"htoc-learn-more-about-joining-the-morty-platform-as-a-mortgage-loan-originator\">Learn about joining the Morty platform.<\/h2>\n\n\n\n<p id=\"htoc-morty-makes-it-quick-and-easy-to-for-licensed-mlos-to-get-sponsored-and-work-off-our-platform-the-morty-platform-is-free-to-join-but-if-you-re-thinking-about-starting-your-own-mortgage-brokerage-in-texas-take-a-look-at-our-platform-business-tiers-these-tiers-are-specifically-designed-to-give-you-the-independence-to-start-or-scale-your-mortgage-brand-with-the-resources-infrastructure-and-technology-you-need-to-be-profitable-in-today-s-mortgage-industry\">Morty makes it quick and easy to for licensed MLOs to get sponsored and work off <a href=\"https:\/\/platform.morty.com\/join\/\">our platform<\/a>. Take a look at our <a href=\"https:\/\/www.morty.com\/pricing\">Platform Business Tiers<\/a>. These tiers are specifically designed to give you the independence to start or scale your mortgage brand with the resources, infrastructure and technology you need to be profitable in today\u2019s mortgage industry.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/platform.morty.com\/join\/#sign-up\"><img loading=\"lazy\" decoding=\"async\" width=\"1528\" height=\"1800\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/08\/Screenshot-2024-03-26-at-11.43.31-AM.png\" alt=\"\" class=\"wp-image-13289\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/08\/Screenshot-2024-03-26-at-11.43.31-AM.png 1528w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/08\/Screenshot-2024-03-26-at-11.43.31-AM-255x300.png 255w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/08\/Screenshot-2024-03-26-at-11.43.31-AM-869x1024.png 869w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/08\/Screenshot-2024-03-26-at-11.43.31-AM-768x905.png 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/08\/Screenshot-2024-03-26-at-11.43.31-AM-1304x1536.png 1304w\" sizes=\"auto, (max-width: 1528px) 100vw, 1528px\" \/><\/a><\/figure>\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Looking to become an MLO? Here\u2019s our step-by-step guide to becoming a mortgage loan originator,&#8230;<\/p>\n","protected":false},"author":38,"featured_media":10960,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"yes","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[693,690],"tags":[725,802,760],"series":[],"class_list":["post-11025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-licensing","category-loan-officers","tag-mortgage-license-application","tag-mortgage-sponsorship","tag-state-mortgage-licensing-requirements"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Becoming a Loan Officer: Your Ultimate Guide to Success<\/title>\n<meta name=\"description\" content=\"Comprehensive guide to gaining your mortgage license in any or all states including licensing steps, tips on success and common FAQs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-become-an-mlo\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Becoming a Loan Officer: Your Ultimate Guide to Success\" \/>\n<meta property=\"og:description\" content=\"Comprehensive guide to gaining your mortgage license in any or all states including licensing steps, tips on success and common FAQs.\" \/>\n<meta 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name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Farrell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-become-an-mlo#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-become-an-mlo\"},\"author\":{\"name\":\"Chris Farrell\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b1d65c4b83a4886363a0893660146a83\"},\"headline\":\"How to become an 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