pre-licensing additional requirements
[State-Specific]
We provide an updated 2023 curriculum required for your NMLS pre-licensing. Some states may require additional hours “state” hours to be completed.
Every state-licensed mortgage loan originator must complete at least 20 hours of NMLS pre-licensing education.
Some states also have state-specific education requirements that must be met. States that require additional hours are listed below.
Arizona
State of Arizona
Additional Hours Required: 4-Hour
If you only need to complete your Arizona-specific 4-hour course, please register for the 4-hour AZ SAFE Course below.
Colorado
State of Colorado
Additional Hours Required: 2 Hours
If you only need to complete your Colorado-specific 2-hour course, please register for the 2 Hour CO SAFE Colorado State Law course below.
Connecticut
State of Connecticut
Additional Hours Required: 1 Hour
If you only need to complete your Connecticut-specific 1-hour course, please register for the 1 Hour CT SAFE State Law course below.
- 1 Hour CT SAFE: State Law
- 20-Hour MLO SAFE Comprehensive Course
District of Columbia
District of Columbia:
Additional Hours Required: 3 Hours
If you only need to complete your District of Columbia 3-hour course, please register for our 3 Hour DC SAFE State Law course below.
Florida
State of Florida
Additional Hours Required: 2 Hours
If you only need to complete your Florida-specific 2-hour course, please register for the 2 Hour FL SAFE State Law course below.
Hawaii
State of Hawaii
Additional Hours Required: 3 Hours
If you only need to complete your Hawaii-specific 3-hour course, please register for the 3 Hour HI SAFE State Law course below.
Idaho
State of Idaho
Additional Hours Required: 2 Hours
If you only need to complete your Idaho -specific 2-hour course, please register for the 2 Hour ID SAFE State Law course below.
Indiana
State of Indiana
Additional Hours Required: 2 Hours
$84.00
If you only need to complete your Indiana -specific 2-hour course, please register for the 2 Hour IN-SOS SAFE State Law course above.
Maryland
State of Maryland
Additional Hours Required: 5 Hours
If you only need to complete your Maryland -specific 5-hour course, please register for the 5-Hour MD SAFE State Law course above.
Massachusetts
State of Massachusetts
Additional Hours Required: 3 Hours
If you only need to complete your Massachusetts-specific 3-hour course, please register for the 3 Hour MA SAFE State Law course below.
Michigan
State of Michigan
Additional Hours Required: 2 Hours
If you only need to complete your Michigan-specific 2-hour course, please register for the 2 Hour MI SAFE State Law course below.
Mississippi
State of Mississippi
Additional Hours Required: 4 Hours
If you only need to complete your Mississippi-specific 4-hour course, please register for the 4 Hour MS SAFE State Law course below.
Montana
State of Montana
Additional Hours Required: 2 Hours
If you only need to complete your Montana-specific 2-hour course, please register for the 2 Hour MT SAFE State Law course below.
Nebraska
State of Nebraska
Additional Hours Required: 2 Hours
If you only need to complete your Nebraska-specific 2-hour course, please register for the 2 Hour NE SAFE State Law course below.
- 2 Hour NE SAFE State Law
- 20-Hour MLO SAFE Comprehensive Course
Nevada
State of Nevada
Additional Hours Required: 4 Hours
If you only need to complete your Nevada-specific 4-hour course, please register for the 4 Hour NV SAFE State Law course below.
- 4-Hour NV SAFE State Law
- 6-Hour SAFE: Consumer Protection Home Lending Laws and Practices
- 20-Hour MLO SAFE Comprehensive Course
New Hampshire
State of New Hampshire
Additional Hours Required: 2 Hours
If you only need to complete your New Hampshire-specific 2-hour course, please register for the 2 Hour NH SAFE State Law course below.
New Jersey
State of New Jersey
Additional Hours Required: 4 Hours
If you only need to complete your New Jersey-specific 4-hour course, please register for the 4-hour NJ SAFE Course below.
New Mexico
State of New Mexico
Additional Hours Required: 3 Hours
If you only need to complete your New Mexico-specific 3-hour course, please register for the 3 Hour NM SAFE State Law course below.
New York
State of New York
Additional Hours Required: 3 Hours
If you only need to complete your New York-specific 3-hour course, please register for the 3-hour NY SAFE Course below.
North Carolina
State of North Carolina
Additional Hours Required: 4 Hours
If you only need to complete your North Carolina -specific 4-hour course, please register for the 4-Hour NC SAFE State Law course below.
- 4-Hour NC SAFE State Law
- 20-Hour MLO SAFE Comprehensive Course
Ohio
State of Ohio
Additional Hours Required: 4 Hours
If you only need to complete your Ohio-specific 4-hour course, please register for the 4-hour OH-OMBA SAFE Course below.
- 4-hour OH-OMBA SAFE Course
- 20-Hour MLO SAFE Comprehensive Course
Oklahoma
State of Oklahoma
Additional Hours Required: 1 Hour
If you only need to complete your Oklahoma-specific 1-hour course, please register for the 1 Hour OK SAFE State Law course below.
- 1 Hour OK SAFE State Law
- 20-Hour MLO SAFE Comprehensive Course
Oregon
State of Oregon
Additional Hours Required: 4 Hours
If you only need to complete your Oregon-specific 4-hour course, please register for the 4-Hour OR SAFE State Law course below.
Pennsylvania
State of Pennsylvania
Additional Hours Required: 3 Hours
If you only need to complete your Pennsylvania-specific 3-hour course, please register for the 3-hour PA SAFE Course below.
Rhode Island
State of Rhode Island
Additional Hours Required: 3 Hours
If you only need to complete your Rhode Island-specific 3-hour course, please register for the 3-Hour RI SAFE State Law course below.
South Carolina
State of South Carolina
Additional Hours Required: 3 Hours
If you only need to complete your South Carolina -specific 3-hour course, please register for the 3 Hour SC SAFE State Law course below.
Tennessee
State of Tennessee
Additional Hours Required: 2 Hours
If you only need to complete your Tennessee -specific 2-hour course, please register for the 2 Hour TN SAFE State Law course below.
Texas
State of Texas
Additional Hours Required: 3 Hours
If you only need to complete your Texas-specific 3-hour course, please register for the 3-hour TX-SML SAFE Course below.
- 3-hour TX-SML SAFE Course
- 20-Hour MLO SAFE Comprehensive Course
Vermont
State of Vermont
Additional Hours Required: 2 Hours
If you only need to complete your Vermont-specific 2-hour course, please register for the 2 Hour VT SAFE State Law course below.
Washington
State of Washington
Additional Hours Required: 4 Hours
If you only need to complete your Washington -specific 4-hour course, please register for the 4-Hour WA SAFE State Law course below.
West Virginia
State of West Virginia
Additional Hours Required: 4 Hours
If you only need to complete your West Virginia-specific 4-hour course, please register for the 4-Hour WV SAFE State Law course below.
- 4-Hour WV SAFE State Law
- 20-Hour MLO SAFE Comprehensive Course
The following states do not currently require additional hours:
Alabama
Alaska
Arkansas
Delaware
Georgia
Illinois
Iowa
Kansas
Kentucky
Louisiana
Maine
Minnesota
Missouri
North Dakota
Puerto Rico
South Dakota
Utah
Virginia
Wisconsin
Wyoming
praise from our students:
“Thanks to Artricia and her crash course with Affinity Mortgage I passed my mortgage licensing test on my first try! I used a different company for my 20 hour course but still didn’t understand anything.
After I took Artricia’s course everything clicked and I’m a horrible test taker. She explains everything in a way that anyone can understand. Thanks again Artricia!”
“Thank you Artricia! I followed your steps and studied all the material you sent me after completing your NMLS Crash Course and I just passed my test today on my first attempt with 90%!
Will definitely be recommending your class to anyone looking to get their NMLS State license.”