Washington State 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.
Find us on the NMLS approved provider list as At Your Pace Online LLC (ID#: 1405040).
9 Hour SAFE Core and Washington Law 2024 MLO Package
9h course
This 9-hour package is approved for Washington and contains the following courses:
- 8-Hour SAFE Comprehensive 2024 MLO Course
- 1-hour WA SAFE 2024 State Law Course
Mortgage loan originators in Washington can satisfy the required 9 hours of annual continuing education needed for license renewal with this package.
8 Hour SAFE Comprehensive: 2024 MLO Course Washington
8h course
Mortgage loan originators (MLOs) in Washington can meet their 8-hour continuing education needs with this course that covers non-traditional mortgage lending, consumer protections, fair lending, renovation mortgage loans, and more. The training also highlights recent updates on areas commonly flagged by regulators as violations.
1 Hour WA SAFE 2024 State Law Course
1h course
Licensed mortgage loan originators in Washington State can satisfy their state-specific CE elective requirement towards the 9 hours needed for license renewal with this course. Topics of interest include licensing regulations, recordkeeping, advertising requirements, disclosure obligations, prohibited practices, fraud violations, and several news updates from the Department of Financial Institutions.
How To Renew Your Washington NMLS License
MLO Continuing Education Requirements for Washington
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 Washington specific course requirements.
You can't take just any NMLS course to reach those 9 hours. Your Washington NMLS training needs to cover specific topics and you need to take your mortgage education with an NMLS-approved provider.
For Annual CE, Washington 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 elective on mortgage education
- 1 hour of Washington 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 Washington 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 obtained your license after 2009 but before this year, the above NMLS CE requirements apply to you. If you obtained 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 this year, and you need to make up the 9 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 the deadline or you are returning to the industry, you will need 7 hours of NMLS course work, 1 hour elective, plus 1 hour of Washington Law, all as 'Late CE' - aside from the current year CE requirement - to renew your MLO license.
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.
WA Mortgage Loan Originator CE Deadline
The deadline to complete CE is December 15th.
Take note: MLOs in Washington 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.
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!