{"title":"24HourEDU","description":"\u003cdiv style=\"display: flex; flex-wrap: wrap; gap: 32px; align-items: flex-start; margin: 0 0 20px;\"\u003e\n\u003cdiv style=\"flex: 1 1 520px; min-width: 300px;\"\u003e\n\u003ch2 style=\"font-size: 1.5em; line-height: 1.3; margin: 0 0 14px;\"\u003eNMLS-Approved Mortgage Loan Originator Training, Online and Self-Paced\u003c\/h2\u003e\n\u003cp style=\"margin: 0 0 18px; line-height: 1.65;\"\u003e24hourEDU is a Milwaukee-based online education provider specialising in licensing and continuing education for Mortgage Loan Originators across the United States. Every course is pre-approved by the NMLS, delivered entirely online at the learner's own pace, and taught by instructors drawn from the mortgage industry rather than from a classroom background.\u003c\/p\u003e\n\u003cdetails style=\"border: 1px solid #e2e8e2; border-radius: 5px; margin: 0 0 8px; overflow: hidden;\"\u003e\n\u003csummary style=\"padding: 13px 16px; cursor: pointer; font-weight: 600; background: #f7f9f7; list-style: none;\"\u003e20-Hour SAFE National pre-licensing course\u003c\/summary\u003e\n\u003cdiv style=\"padding: 14px 16px; line-height: 1.65; border-top: 1px solid #e2e8e2;\"\u003eThe 20-Hour SAFE Comprehensive course (NMLS #16623) is the foundation requirement for a Mortgage Loan Originator license, and the hours count toward licensure in every state. It runs across seven modules of narrated video with a full script displayed alongside, and a short multiple-choice checkpoint quiz closing each module. NMLS rules require the 20 hours to be completed within 14 calendar days of starting, though learners can work ahead at any hour.\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #e2e8e2; border-radius: 5px; margin: 0 0 8px; overflow: hidden;\"\u003e\n\u003csummary style=\"padding: 13px 16px; cursor: pointer; font-weight: 600; background: #f7f9f7; list-style: none;\"\u003eState-specific SAFE law courses\u003c\/summary\u003e\n\u003cdiv style=\"padding: 14px 16px; line-height: 1.65; border-top: 1px solid #e2e8e2;\"\u003eAround thirty states require dedicated state law hours on top of the national 20, typically two to four hours of self-paced study. Approved offerings include Vermont (2 hours, NMLS #18671), Rhode Island (3 hours, NMLS #18869) and West Virginia (4 hours, NMLS #18667), with California, Florida and Texas among the other states carrying their own requirement. Roughly twenty states, including Illinois, Georgia and Virginia, require no state hours at all.\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #e2e8e2; border-radius: 5px; margin: 0 0 8px; overflow: hidden;\"\u003e\n\u003csummary style=\"padding: 13px 16px; cursor: pointer; font-weight: 600; background: #f7f9f7; list-style: none;\"\u003eAnnual continuing education\u003c\/summary\u003e\n\u003cdiv style=\"padding: 14px 16px; line-height: 1.65; border-top: 1px solid #e2e8e2;\"\u003eUnder the SAFE Act, licensed originators must complete at least eight hours of NMLS-approved education each year to keep their license active. The 8-Hour SAFE CE Combo covers the required core: three hours of federal law, two of ethics, two of non-traditional mortgage lending and one elective or state-specific hour. Missing the NMLS submission deadlines can leave an originator unable to trade from 1 January, so the timing matters as much as the content.\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #e2e8e2; border-radius: 5px; margin: 0 0 8px; overflow: hidden;\"\u003e\n\u003csummary style=\"padding: 13px 16px; cursor: pointer; font-weight: 600; background: #f7f9f7; list-style: none;\"\u003eNMLS credit reporting\u003c\/summary\u003e\n\u003cdiv style=\"padding: 14px 16px; line-height: 1.65; border-top: 1px solid #e2e8e2;\"\u003eCompleted hours are reported to the NMLS banking portal against the learner's unique identifier, at no additional charge. Reporting is typically submitted within one business day of completion. Where a learner completes the national 20-hour course, an applicable state law course is assigned to their account free of charge.\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails style=\"border: 1px solid #e2e8e2; border-radius: 5px; margin: 0 0 8px; overflow: hidden;\"\u003e\n\u003csummary style=\"padding: 13px 16px; cursor: pointer; font-weight: 600; background: #f7f9f7; list-style: none;\"\u003eFormat and learner support\u003c\/summary\u003e\n\u003cdiv style=\"padding: 14px 16px; line-height: 1.65; border-top: 1px solid #e2e8e2;\"\u003eCourses are fully online and mobile-friendly, built around pre-recorded narrated video with accompanying transcripts, and include SAFE exam preparation materials and practice tests. Instructor support is built into the learning environment, with questions answered by the course author six days a week. See the wider \u003ca href=\"\/collections\/e-learning\" style=\"color: #3d8b40; text-decoration: underline; font-weight: 600;\"\u003ee-learning range\u003c\/a\u003e and other \u003ca href=\"\/collections\/short-courses-in-united-states\" style=\"color: #3d8b40; text-decoration: underline; font-weight: 600;\"\u003eaccredited courses in the United States\u003c\/a\u003e.\u003c\/div\u003e\n\u003c\/details\u003e\n\u003c\/div\u003e\n\u003caside style=\"flex: 0 1 300px; min-width: 250px;\"\u003e\n\u003cdiv style=\"border: 1px solid #e2e8e2; border-radius: 6px; overflow: hidden; background: #fff;\"\u003e\n\u003cdiv style=\"padding: 14px 16px; border-bottom: 1px solid #eef2ee; text-align: center;\"\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0780\/7126\/7672\/files\/24hourEDU-Logo.png?v=1789118376\" alt=\"24hourEDU logo\" width=\"180\" loading=\"lazy\" style=\"display: block; width: 100%; max-width: 180px; height: auto; margin: 0 auto;\"\u003e\u003c\/div\u003e\n\u003cdiv style=\"padding: 4px 16px 12px; font-size: 0.9em;\"\u003e\n\u003cdiv style=\"padding: 8px 0; border-bottom: 1px solid #eef2ee;\"\u003e\n\u003cdiv style=\"color: #7a887a; font-size: 0.8em; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 2px;\"\u003eBased\u003c\/div\u003e\nMilwaukee, Wisconsin\u003c\/div\u003e\n\u003cdiv style=\"padding: 8px 0; border-bottom: 1px solid #eef2ee;\"\u003e\n\u003cdiv style=\"color: #7a887a; font-size: 0.8em; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 2px;\"\u003eDelivery\u003c\/div\u003e\nOnline, self-paced video with transcripts\u003c\/div\u003e\n\u003cdiv style=\"padding: 8px 0; border-bottom: 1px solid #eef2ee;\"\u003e\n\u003cdiv style=\"color: #7a887a; font-size: 0.8em; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 2px;\"\u003eRegion\u003c\/div\u003e\nUnited States — national and state-specific approvals\u003c\/div\u003e\n\u003cdiv style=\"padding: 8px 0; border-bottom: 1px solid #eef2ee;\"\u003e\n\u003cdiv style=\"color: #7a887a; font-size: 0.8em; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 2px;\"\u003eSpecialisms\u003c\/div\u003e\nMortgage Loan Originator licensing, SAFE Act pre-licensing and continuing education\u003c\/div\u003e\n\u003cdiv style=\"padding: 8px 0;\"\u003e\n\u003cdiv style=\"color: #7a887a; font-size: 0.8em; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 2px;\"\u003eApprovals\u003c\/div\u003e\n\u003cdiv style=\"line-height: 1.9; margin: 3px 0 0;\"\u003e\n\u003cspan style=\"padding: 2px 8px; margin: 0 4px 4px 0; background: #fff; border: 1px solid #d4ded4; border-radius: 11px; font-size: 0.8em; display: inline-block;\"\u003eNMLS\u003c\/span\u003e\u003cspan style=\"padding: 2px 8px; margin: 0 4px 4px 0; background: #fff; border: 1px solid #d4ded4; border-radius: 11px; font-size: 0.8em; display: inline-block;\"\u003eSAFE Act\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/aside\u003e\n\u003c\/div\u003e","products":[{"product_id":"20hr-safe-national-mlo-pre-licensing-course-online","title":"20hr SAFE National MLO Pre-Licensing Course Online (E-learning)","description":"\u003ch2\u003e20hr SAFE National MLO Pre-Licensing Course Online\u003c\/h2\u003e\n\u003cp\u003eThis NMLS-approved course (#16623) is the primary educational requirement for becoming a state-licensed Mortgage Loan Originator in the United States. The 20 hours count toward an MLO license in every state.\u003c\/p\u003e\n\u003cp\u003eThe course is delivered entirely online and self-paced, built around pre-recorded narrated video lessons with a full script displayed alongside each clip so learners can read along. Under NMLS rules the 20 hours must be completed within 14 calendar days of starting, though learners can work ahead and study at any hour.\u003c\/p\u003e\n\u003ch2\u003eCourse Structure\u003c\/h2\u003e\n\u003cp\u003eThe 20 hours comprise 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending and 12 hours of electives, delivered across seven modules.\u003c\/p\u003e\n\u003ch2\u003eCourse Content\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003eAn overview of mortgage lending\u003c\/li\u003e\n\u003cli\u003eRegulatory authorities overseeing the mortgage industry\u003c\/li\u003e\n\u003cli\u003eFederal law including ECOA, TILA, TRID, HMDA, FCRA, FACTA, BSA and anti-money laundering, Gramm-Leach-Bliley, Dodd-Frank and Title XIV\u003c\/li\u003e\n\u003cli\u003eThe SAFE Act and the CSBS\/AARMR Model State Law\u003c\/li\u003e\n\u003cli\u003eGeneral mortgage knowledge, qualified mortgages and conventional conforming and non-conforming products\u003c\/li\u003e\n\u003cli\u003eMortgage loan origination activities, qualification, processing and underwriting\u003c\/li\u003e\n\u003cli\u003eQualifying ratios, appraisals, property title and title insurance, closing and financial calculations\u003c\/li\u003e\n\u003cli\u003eEthics, prohibited acts, fraud detection and mortgage company compliance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eAssessment\u003c\/h2\u003e\n\u003cp\u003eA short multiple-choice checkpoint quiz closes each of the seven modules, with seven short written assignments spaced throughout. The course ends with a 25-question multiple-choice final exam, which is open book with retakes allowed.\u003c\/p\u003e\n\u003ch2\u003eWhat's Included\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003eSAFE MLO Exam Prep course, including 1,000+ practice questions and a 30-page study guide\u003c\/li\u003e\n\u003cli\u003eA downloadable 600-page course e-textbook covering regulations and ethics\u003c\/li\u003e\n\u003cli\u003eA state-specific mortgage law course where the learner's state requires one\u003c\/li\u003e\n\u003cli\u003eNMLS hours reporting, submitted on the learner's behalf against their unique identifier\u003c\/li\u003e\n\u003cli\u003eBonus sales and marketing videos\u003c\/li\u003e\n\u003cli\u003eLive instructor support through the course portal, with responses within one business day\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eAfter the Course\u003c\/h2\u003e\n\u003cp\u003eCompleted hours are reported to the NMLS and appear in the learner's personal NMLS account. The next steps are passing the SAFE MLO Test, submitting fingerprints and a criminal background check, authorising a credit report and filing the MU4 form through the NMLS. A license is typically approved in an inactive status until a sponsoring company activates it.\u003c\/p\u003e\n\u003ch2\u003eEnrol on this Course\u003c\/h2\u003e\n\u003cp\u003eEnrolment, current fees and full course details are handled directly by 24hourEDU.\u003c\/p\u003e\n\u003cp\u003e\u003ca rel=\"sponsored nofollow noopener\" href=\"https:\/\/24houredu.sjv.io\/c\/5469061\/3414681\/45690?subId1=envicourse-20hr-safe-national-mlo\u0026amp;u=https%3A%2F%2F24houredu.com%2Fcourse-information%2F\" target=\"_blank\"\u003eView the 20-hour SAFE National MLO course and enrol\u003c\/a\u003e\u003c\/p\u003e\n\u003ch2\u003eRelated Courses\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/e-learning\"\u003eE-learning courses\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/short-courses-in-united-states\"\u003eAccredited courses in the United States\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"24HourEDU","offers":[{"title":"Individual","offer_id":58443550589272,"sku":null,"price":189.0,"currency_code":"GBP","in_stock":true},{"title":"Team (multi-seat)","offer_id":58443798544728,"sku":null,"price":189.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0780\/7126\/7672\/files\/24hourEDU-Logo_b0d0455a-c3bf-44f9-94ce-c74cbcbbdadd.png?v=1789119551"},{"product_id":"8hr-nmls-mlo-continuing-education-course-online","title":"8hr NMLS MLO Continuing Education Course Online (E-learning)","description":"\u003ch2\u003e8hr NMLS MLO Continuing Education Course Online\u003c\/h2\u003e\n\u003cp\u003eUnder the SAFE Act, licensed Mortgage Loan Originators must complete at least eight hours of NMLS-approved continuing education each year to keep their license active. This combo covers the full annual requirement.\u003c\/p\u003e\n\u003cp\u003eIt pairs a 7-hour approved federal core course (#18551) with a 1-hour elective (#18603), available as either a state-specific or a general elective depending on the state. A new CE course must be completed each renewal year.\u003c\/p\u003e\n\u003ch2\u003eCourse Content\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003eThe Truth in Lending Act and its role in mortgage compliance\u003c\/li\u003e\n\u003cli\u003eCore ethics and consumer protection in mortgage lending\u003c\/li\u003e\n\u003cli\u003eUnderstanding non-traditional mortgage lending\u003c\/li\u003e\n\u003cli\u003eElective: navigating construction and specialised mortgage products\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eAssessment\u003c\/h2\u003e\n\u003cp\u003eA final exam closes the course, taking around 20 minutes on average.\u003c\/p\u003e\n\u003ch2\u003eWhat's Included\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003eA state-specific or general elective course, depending on the state of licensure\u003c\/li\u003e\n\u003cli\u003eNMLS hours reporting submitted the next day, including at weekends\u003c\/li\u003e\n\u003cli\u003eAn e-textbook\u003c\/li\u003e\n\u003cli\u003eUnlimited phone and email support\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eDeadlines\u003c\/h2\u003e\n\u003cp\u003eFor most states the official NMLS continuing education deadline is 31 December, but several state regulators require completion well before then. Providers are legally permitted up to seven days to report completed hours, which can leave a license lapsing on 1 January if education is left late. Reporting here is submitted the following day. A separate late CE route is available for anyone who has missed a deadline.\u003c\/p\u003e\n\u003ch2\u003eEnrol on this Course\u003c\/h2\u003e\n\u003cp\u003eEnrolment, current fees and full course details are handled directly by 24hourEDU.\u003c\/p\u003e\n\u003cp\u003e\u003ca rel=\"sponsored nofollow noopener\" href=\"https:\/\/24houredu.sjv.io\/c\/5469061\/3414681\/45690?subId1=envicourse-8hr-mlo-ce\u0026amp;u=https%3A%2F%2F24houredu.com%2Fmlo-continuing-education%2F\" target=\"_blank\"\u003eView the 8-hour MLO continuing education course and enrol\u003c\/a\u003e\u003c\/p\u003e\n\u003ch2\u003eRelated Courses\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/e-learning\"\u003eE-learning courses\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/short-courses-in-united-states\"\u003eAccredited courses in the United States\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"24HourEDU","offers":[{"title":"Individual","offer_id":58443550622040,"sku":null,"price":69.0,"currency_code":"GBP","in_stock":true},{"title":"Team (multi-seat)","offer_id":58443798577496,"sku":null,"price":69.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0780\/7126\/7672\/files\/24hourEDU-Logo_0c33ab2d-130e-4026-ba31-fe1eaafdd909.png?v=1789119551"},{"product_id":"safe-mlo-exam-prep-course-online","title":"SAFE MLO Exam Prep Course Online (E-learning)","description":"\u003ch2\u003eSAFE MLO Exam Prep Course Online\u003c\/h2\u003e\n\u003cp\u003eThe SAFE Mortgage Licensing Act requires every licensed Mortgage Loan Originator to pass a test developed by the NMLS, and every state requires proof of passing it as part of initial licensing. This course is built around passing it first time.\u003c\/p\u003e\n\u003cp\u003eAccess runs for six months, and the course is included free with the 20-hour SAFE national pre-licensing course.\u003c\/p\u003e\n\u003ch2\u003eWhat's Included\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003eAn introductory video on study habits for the mortgage test\u003c\/li\u003e\n\u003cli\u003e1,000+ practice questions across simulated tests mirroring the exam's subject matter\u003c\/li\u003e\n\u003cli\u003eA 30-page study guide written specifically for the SAFE MLO test\u003c\/li\u003e\n\u003cli\u003eDownloadable access to video lessons covering national course topics\u003c\/li\u003e\n\u003cli\u003eA 600-page course e-book covering regulations and ethics\u003c\/li\u003e\n\u003cli\u003eA mobile-friendly dashboard for studying on any device\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eAbout the SAFE MLO Exam\u003c\/h2\u003e\n\u003cp\u003eThe SAFE MLO National Test with Uniform State Content contains 125 multiple-choice questions, five of which are unscored pilot questions. A 75% pass mark means answering at least 87 of the 115 scored questions correctly. The five content areas are weighted as federal mortgage-related laws 24%, uniform state content 11%, general mortgage knowledge 20%, mortgage loan origination activities 27% and ethics 18%.\u003c\/p\u003e\n\u003cp\u003eCandidates who fail at the first attempt can retake after 30 days for two further attempts. After a third failure there is a 180-day wait before the next attempt.\u003c\/p\u003e\n\u003ch2\u003eEnrol on this Course\u003c\/h2\u003e\n\u003cp\u003eEnrolment, current fees and full course details are handled directly by 24hourEDU.\u003c\/p\u003e\n\u003cp\u003e\u003ca rel=\"sponsored nofollow noopener\" href=\"https:\/\/24houredu.sjv.io\/c\/5469061\/3414681\/45690?subId1=envicourse-safe-mlo-exam-prep\u0026amp;u=https%3A%2F%2F24houredu.com%2Fproduct%2Fsafe-mlo-exam-prep-course%2F\" target=\"_blank\"\u003eView the SAFE MLO exam prep course and enrol\u003c\/a\u003e\u003c\/p\u003e\n\u003ch2\u003eRelated Courses\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/e-learning\"\u003eE-learning courses\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/short-courses-in-united-states\"\u003eAccredited courses in the United States\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"24HourEDU","offers":[{"title":"Individual","offer_id":58443550654808,"sku":null,"price":149.0,"currency_code":"GBP","in_stock":true},{"title":"Team (multi-seat)","offer_id":58443798610264,"sku":null,"price":149.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0780\/7126\/7672\/files\/24hourEDU-Logo_b5bd7a44-c91c-4fb7-88a5-b9014aeeaa6b.png?v=1789119551"}],"url":"https:\/\/www.envicourse.com\/collections\/24houredu.oembed","provider":"envicourse.com","version":"1.0","type":"link"}