PASS THE SAFE EXAM.
GET LICENSED.
START EARNING.
NMLS-approved pre-licensing education for new mortgage loan originators or those adding new states. Video-based instruction from real mortgage pros.
NMLS-Approved
Engaging Video
Self-Paced
*State-specific courses available now. Full 20-hour national course coming 2026.
WHY MLO FORCE
HOW TO BECOME A MORTGAGE LOAN ORIGINATOR.
1
COMPLETE 20 HOURS
OF PRE-LICENSING
NMLS-approved courses covering federal law, ethics, non-traditional lending, and state-specific requirements. This is first big step in becoming licensed.
2
PASS THE SAFE MLO EXAM
You need a 75% or higher to pass. The exam tests your understanding of mortgage regulations, lending practices, and consumer protection laws. It's not a cakewalk.
3
MEET YOUR STATE'S
REQUIREMENTS
Some states require extra hours of state-specific education, background checks, credit reports, or surety bonds. Check with your state regulator or the NMLS licensing checklist.
WHY BECOME AN MLO?
Because you get to help people buy homes, and that never gets old.
Every loan you close is someone's fresh start. A couple buying their first place. A family finally getting out of a cramped apartment. Someone downsizing after the kids move out. A veteran using their VA benefits. An entrepreneur buying their first investment property. You're the person who makes it possible.
And unlike a lot of careers, this one actually pays you well for doing something that matters. Six-figure income potential. Flexibility to build your own book of business. The ability to work remotely or stay local. No ceiling on what you can earn if you're good at what you do.
But here's the thing: being good at this job isn't just about closing loans fast. It's about being someone people can trust when they're making the biggest financial decision of their lives.
That's why we believe in the training we provide.
WHY MLO FORCE?
Because we think your first experience with the mortgage industry should reflect how it actually is: complicated, rewarding, and a lot of fun.
Most pre-licensing courses are so dry and dated that they make you want to re-think this career before you even start. Robotic voiceovers, slideshows from 2009, zero personality. Just regulations read to you until your brain shuts off. That's not what this job is like. And it's not how you should learn it.
The mortgage industry is full of nuance. There are tricks and landmines you only learn by doing the work. There are ways to structure deals and talk to borrowers that separate pros from paper-pushers.
We want you to learn that stuff before you're drowning in your first 60 days on the job.
If you're going to spend 20 hours getting licensed, you should enjoy it and come out ready to work.
ALREADY LICENSED? ADDING A STATE?
If you're already an MLO and expanding into a new state, you might need additional state-specific pre-licensing hours depending on where you're going.
Our state PE courses let you satisfy those requirements without retaking the full 20-hour national course. Get approved in new states faster, without the redundant coursework.
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THE FORCE
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