Florida MLO Continuing Education
Our continuing education courses are a fast and easy way for MLOs to complete their training requirements. All courses are approved by the Nationwide Mortgage Licensing System (NMLS) and updated annually, so you’ll never take the same courses twice. We also report course completion to NMLS for you at no additional cost.
Are you licensed in multiple states? Enroll in any course and contact us to create a custom education plan to fulfill all your state requirements at once.
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.
Find us on the NMLS approved provider list as At Your Pace Online LLC (ID#: 1405040).
Late CE: 8 Hour SAFE Core and Florida Law 2024 MLO Package (16203 & 16205)
8h course
This course is designed to address your 2024 Late CE needs.
This 8-hour package is approved for Florida and contains the following courses:
- 7-Hour SAFE Core 2024 MLO Course
- 1-hour FL SAFE 2024 State Law Course
Late CE: 7 Hour SAFE Core 2024 MLO CE Florida (16203)
7h course
This course is designed to address your 2024 Late CE needs.
Florida mortgage loan originators can fulfill continuing education requirements with our seven-hour course. Learn all about federal mortgage laws, including ethics, consumer protection, fraud and fair lending, and non-traditional mortgage lending. Stay informed with recent updates and learn about common violations identified by regulators.
Late CE: 1 Hour FL SAFE 2024 State Law Course CE (16205)
1h course
This course is designed to address your 2024 Late CE needs.
By taking this course, mortgage loan originators in Florida can satisfy their 1-hour requirement towards the 8 hours of annual CE needed for license renewal. Required topics for this state-specific elective include recent regulatory changes; compliance filings; examinations and audits; records and reports; escrow accounts; disclosures and advertising; and enforcement.
1 Hour FL SAFE 2025 State Law Course
1h course
This 1-hour course satisfies the state-specific elective requirement for mortgage loan originators licensed in Florida, and counts toward the 8 hours of required annual continuing education. The course reviews relevant sections of the Florida Statutes and Florida Administrative Code, with a focus on licensing, renewals, and various requirements of an MLO. We will also review a few recent amendments to the laws.
How To Renew A Florida NMLS License
MLO Continuing Education Requirements for Florida
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 7 hours of approved NMLS CE, in addition to Florida specific course requirements.
You can't take just any NMLS course to reach those eight hours, either. Your Florida NMLS training needs to cover specific topics and you need to take your mortgage education with an NMLS-approved provider.
For Annual CE, Florida 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 Florida law-specific education
While the NMLS oversees the general CE requirements and helps with recordkeeping of your completed hours, it's important to know any Florida 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 this year (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 complete “Late CE” along with 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 Florida 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.
FL Mortgage Loan Originator CE Deadline
The deadline to complete CE is December 31st.
Take note: MLOs in Florida 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 FL Mortgage CE deadline.
- Guaranteed to Miss Renewal Deadline: If you complete your class by December 31st or later you are guaranteed to miss your FL 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!