Arizona MLO Continuing Education
We have been approved by the Nationwide Mortgage Licensing System (NMLS) to offer you all the hours you need to renew your MLO license in one easy to use package that can be completed At Your Pace Online. Once you complete your course we will report your completion to the NMLS for you automatically. You can find At Your Pace Online on the NMLS approved provider list as 1 Above Ed, LLC (ID#: 1405040).
If you missed last year’s MLO license renewal deadline or have an expired license, you must take what is classified as “Late CE” in addition to satisfying the current year’s CE requirements. We are an approved Late CE provider and can help get you back into the industry. Learn more here.
Licensed in multiple states? Feel free to enroll into any MLO CE course to start and contact us to set up a custom education plan for the remaining states where you are licensed.
8 Hour SAFE Core and Arizona Law 2023 MLO Package
8h course
This course fulfills the continuing education requirements for mortgage loan originators in Arizona. The one-hour state law portion will review relevant sections of the Arizona Revised Statutes 6-991, with a focus on prohibited practices, definitions, licensing, and the Mortgage Recovery Fund. The 7-hour core series is divided into multiple sections, covering topics like:
- Federal Mortgage Law Updates
- Ethics, Fraud, and Consumer Protection
- Federal legislative Acts
- And More
Late CE: 8 Hour SAFE Core and Arizona Law 2022 MLO Package (14261 & 14286)
8h course
If you missed last year’s MLO license renewal deadline or have an expired license, this course fulfills your designated Late CE requirement.
Mortgage loan originators in Arizona can satisfy their required eight hours of late continuing education with this package. Topics of interest include recent developments in mortgage lending, prohibited practices, recognizing and avoiding mortgage fraud, ethics, fraud, consumer protection, fair lending, and non-traditional mortgage lending.
7 Hour SAFE Comprehensive 2023 MLO Course Arizona
7h course
This course fulfills the continuing education requirements for mortgage loan originators in Arizona. The 7-hour core series is divided into multiple sections, covering topics like:
- Federal Mortgage Law Updates
- Ethics, Fraud, and Consumer Protection
- Federal legislative Acts
- And More
Late CE: 7 Hour SAFE Core 2022 MLO CE Arizona (14261)
7h course
If you missed last year’s MLO license renewal deadline or have an expired license, this course fulfills your designated Late CE requirement.
Mortgage loan originators can fulfill their late continuing education requirements with this seven-hour course dedicated to Federal Mortgage Laws; Ethics, Fraud, Consumer Protection, and Fair Lending; and Non-Traditional Mortgage Lending. This course covers the latest updates on topics such as the Equal Credit Opportunity Act, anti-money laundering, and reverse mortgages.
1 Hour AZ SAFE 2023 State Law Course
1h course
Taking this course will satisfy the 1-hour state-specific elective requirement for licensed Arizona mortgage loan originators. This hour-long class counts toward the total 8 hours of required annual continuing education. The course will review relevant sections of the Arizona Revised Statutes 6-991, with a focus on prohibited practices, definitions, licensing, and the Mortgage Recovery Fund.
Late CE: 1 Hour AZ SAFE 2022 State Law Course (14286)
1h course
If you missed last year’s MLO license renewal deadline or have an expired license, this course fulfills your designated Late CE requirement.
This course satisfies the Arizona elective requirement that must be included in the eight hours of late continuing education needed for license renewal. Topics of interest include recent developments in mortgage lending, prohibited practices, recognizing and avoiding mortgage fraud, and the status of the Mortgage Recovery Fund.
How To Renew Your Arizona NMLS License
MLO Continuing Education Requirements for Arizona
No matter which state issued your MLO license, you're subject to specific mortgage education requirements because of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). This legislation requires that all state-licensed MLOs take 8 hours of approved NMLS CE, in addition to state-specific course requirements (if any).
You can't take just any NMLS course to reach those 8 hours, either. Your NMLS training needs to cover specific topics.
For Annual CE, Arizona NMLS licensed MLOs are required to complete:
- 3 hours on relevant federal regulations and law
- 2 hours of ethics training (including training on consumer protection, fair lending issues, and fraud)
- 2 hours on lending standards for nontraditional mortgage products
- 1 hour of Arizona state-specific education
While the NMLS oversees the general CE requirements and helps with recordkeeping of your completed hours, it's important to know any Arizona specific requirements that may apply to you.
How Do I Know If I'm Required To Take My CE This Year Or Not?
Generally, if you got your license after 2009 but before this year, the above NMLS CE requirements apply to you. If you got your license in 2020 (and assuming you completed the required pre-license education), you don't need to complete any additional mortgage education this year.
Successive Year Rule
Per the SAFE Act, you cannot take the same NMLS course for two years in a row. To avoid this possible overlap, AYPORealEstate creates brand new NMLS-approved CE courses every single year to comply with this rule.
NMLS Late CE Courses - Making Up Your Continuing Education
Late CE is required during the annual reinstatement period:
- If you missed the deadline to renew your MLO license last year, and you need to make up the 8 hours of approved Late CE
- If you have an MLO license that's been expired for a while, and you need to meet the NMLS continuing education requirements for the last year during which your license was active
To summarize, if you miss your renewal deadline or you are returning to the industry, you need to take “Late CE” in addition to the current year’s CE requirement to renew your MLO license. Your Late CE training must include seven hours of NMLS course work plus one hour of Arizona Law.
These hours need to come from a specifically designated NMLS 'Late CE' course. The NMLS maintains a catalog of approved courses so you can find the Late CE class you need.
AYPORealEstate is an approved Late CE provider and can help you get your Late Continuing Education done, on time.
AZ Mortgage Loan Originator CE Deadline
The deadline to complete CE is December 31.
Take note: MLOs in Arizona are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
- At-Risk-to-Miss Renewal Deadline: If you complete your class by December 18th or later, you are at risk to miss your AZ Mortgage CE deadline.
- Guaranteed to Miss Renewal Deadline: If you complete your class by December 31st or later you are guaranteed to miss your AZ Mortgage CE deadline.
Stay on top of the NMLS continuing education requirements so CE hours never stand between you & your renewal. Contact us or enroll today to beat the deadline!