1 Hour Washington SAFE 2026 State Law Course

This course on Washington state laws and regulations fulfills the one-hour state-specific elective requirement for MLO license renewal. The state requires MLOs to complete nine hours of continuing education (CE) each year, with three hours on federal law, two hours on ethics, two hours on non-traditional mortgage lending, one hour on an elective, and one hour on Washington state law. 

In the first module of this course, we will cover Washington State MLO licensing rules and regulations, including key definitions. This will also include licensing exemptions, recordkeeping, reporting responsibilities, and restricted or conditional loan fees.  

In the second module, we’ll continue our look at Washington mortgage lending laws by examining advertising requirements, disclosure obligations, prohibited acts and practices, and civil and criminal penalties. We will highlight the rules governing interactions with appraisers, redisclosure, and restrictions on loan modification services. We will also look at a large-scale enforcement action taken against a mortgage company by state regulators. To conclude, we'll examine the Down Payment Assistance program (DPA) in Washington State, including the "Here to Home Flyer."  

To promote comprehension, students will complete a 5-question quiz and short activity after each module. A 15-question final exam will wrap up the course.