Master important concepts and pass your license exam with confidence!

  • Online, NMLS-approved courses
  • Meet your license education requirements
  • Get the resources and support you need to successfully obtain your mortgage loan originator (MLO) license

Have questions? Our customer service team is available during any part of your licensing journey. Simply call 877-724-6150 or email for help.



Courses are 100% online and can be taken from a laptop or desktop.



Our pre-license courses are NMLS-approved, ensuring you receive quality education.



Courses contain many helpful resources including quizzes, final exams, and interactive activities.


Official Certificate

As soon as you complete any of our courses, you receive an official certificate of completion.

What is a Mortgage Loan Originator (MLO)?

An MLO (often called a "loan officer") works with hopeful homebuyers to find the best mortgage loan that works for their financial situation, loan term expectations, and budget.

If helping people purchase their dream homes appeals to you, our pre-license program will help you get started!

MLO Pre-License Training

The National Mortgage Loan Origination Pre-License Course helps guide students through the mortgage loan originator (MLO) licensing process.

Completing the Nationwide Multistate Licensing System & Registry (NMLS)-approved course fulfills the 20-hour pre-license requirement needed to receive an MLO license. Some states have additional requirements to meet. AYPORealEstate provides approved courses to help you meet all MLO licensing requirements.

General Mortgage Loan Originator FAQs

Is There a Course Completion Deadline?

Yes. Students have a maximum of 14 days to complete the 20-hour national MLO course in order to get credit. If the course is not completed within 14 days, we must reset the course and the student needs to start over again.

We suggest spending 2–4 hours per day on this course in order to complete it on time. This is a professional-level course and requires a larger time commitment than other courses in our library.

Is the National Course Self-Paced?

No. Due to NMLS regulation, the national course includes five, 10-question assessments that must be graded by the AYPO instructor before a student can continue.

Why Should Someone Become a Mortgage Loan Originator?

Becoming an individual mortgage loan originator (MLO), or a mortgage loan officer, is a rewarding, high-paying job that essentially helps people purchase the home of their dreams.

What are the Requirements to Become a Mortgage Loan Originator?

To comply with the federal Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act, mortgage loan originator (MLO) students need at least 20 hours of pre-license education (PE) before applying for a license.

Some states also have their own PE requirements. Find more about our state-specific offerings by clicking here then selecting an available state.

Does MLO Pre-License Education Expire?

Yes. PE can expire after three (3) years and must be retaken if:

  • The student doesn't become a licensed MLO within three years of completing the PE
  • An MLO doesn't renew their license within three years of it expiring

Does AYPORealEstate's Pre-License Course Fulfill the National Requirement?

Yes! Our National Mortgage Loan Origination Pre-License Course fulfills the 20-hour pre-license requirement needed before submitting an MLO license application.

It's also a helpful resource to help students prepare to pass the SAFE MLO National Test!

Does My State Require Specific Pre-Licensing Education?

Most likely! Most states require their own PE that ranges from one to 15 hours. AYPORealEstate currently offers state-specific PE for California, Texas, and Florida.

Our state-specific PE courses are self-paced, cover everything needed to fulfill the state requirement, and include helpful resources like practice quizzes.

How Do I Schedule My National SAFE MLO test?

After completing the required PE, students must take the SAFE MLO Test to become licensed. Thankfully, scheduling the test is relatively simple.

To take the SAFE MLO test, students must:

  1. Create an NMLS account — Your NMLS ID number is needed for step two
  2. Create and pay for a test enrollment window in NMLS
  3. Accept the Candidate Test Security and Confidentiality Agreement
  4. Schedule an appointment with Prometric
  5. Arrive at the in-person test center or access the online proctored test

Mortgage Broker vs. Mortgage Loan Originator — What's the Difference?

These roles share a lot of similarities, like commission-based pay, but there are also key differences. Here's a simple breakdown:

  • A mortgage broker essentially acts as an independent "shop around for the best mortgage rate" person. They submit a client's mortgage application and send it to multiple financial institutions in an effort to find the best option. They usually do not work for a bank or mortgage company, so they cannot approve loans or work with clients through the entire loan process.
  • An individual acting as a mortgage loan originator (also called a loan officer) does work with clients throughout the entire mortgage loan process from application to closing. This is because they work for a bank or mortgage company and they originate the loan for their client.

How do Mortgage Loan Officers Get Paid?

An MLO's pay structure tends to vary by place of employment, but almost always involves commission. Sometimes the commission is in addition to a base salary, but other times MLOs are paid by commission only on a loan-by-loan basis. The commission is usually a percentage of the fees a bank/mortgage lender charges the client when closing on a mortgage loan.

Do I Need a Degree to Become a Mortgage Loan Originator?

Applicants do not need a college degree to become an MLO. However, you do need a high school diploma (or equivalent).