Mortgage Load Originator License

Overview and Course Selection

New License

20-Hour Pre-License Education

License Renewal

8-Hour MLO Continuing Education


Federal law established by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) now states that any individual who, for compensation or gain, takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan application, must be licensed or registered as a Mortgage Loan Originator (MLO). A key part of the law is the requirement for licensing of Mortgage Loan Originators through the Nationwide Mortgage Licensing System (NMLS). This new law also applies to:

1) Individuals licensed under the California Bureau of Real Estate (salesperson or broker).
2) Individuals licensed under the Department of Business Oversight (CFL or CRMLA).

NOTE: Independent loan processors/underwriters must also comply with SAFE Act licensing requirements.

Real Estate Licensees Under CA-BRE

Any individual who performs mortgage loan origination activities under the authority of a real estate license issued by the California Bureau of Real Estate may not continue to perform those activities on or after January 1, 2011 without obtaining a Mortgage Loan Originator (MLO) “License Endorsement” issued for their real estate license. Applicants for a License Endorsement must complete a 20 hour pre-license education requirement and successfully complete the SAFE MLO state examinations (both national and CA state components).

NOTE: A real estate license is needed in order to qualify for a MLO License Endorsement through CA-BRE. Specific state approved courses will continue to be required to obtain a real estate license.

Have Questions?
We encourage you to contact one of our friendly Customer Service Representatives at 1-800-672-4665 with any questions.