Florida: NMLS Continuing Education Requirements & Training

Number of Hours Required

8 Hours (7 hour Federal + 1 hour FL)

State-Specific Requirement

1-Hr FL CE

Deadline to Complete CE

December 31

100% Updated

CE is updated every year, meaning that you can continue to use Diehl year after year without having to worry about the successive year rule.

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All content is written by a team of mortgage professionals, and is developed from the ground-up with our instructional course design team. It’s taught in a way that is engaging for everyone. This is CE taken to the next level.

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Learning Paths Customized for YOU

Whether you like to learn in a live classroom environment or in a self-paced format, we have options that will help you get your CE done in an engaging and next-level CE way.

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Looking for the 1-hour State cE only? Click below

Florida Requirement Details for Mortgage Loan Originator Continuing Education

Diehl Mortgage Training and Compliance is an NMLS-approved provider for continuing education in Florida.

Continuing Education and License Renewal Date: 12/31 annually

Hours Required by The State: 8 hours per year

Diehl Mortgage Training and Compliance Offering: 8 hours

Seat Time: The NMLS  requires that all students spend a minimum amount of seat time engaged in the course content. Our online course delivery system manages this requirement for you.

Reporting: Course completions are reported to the NMLS. The state requires schools to report course completions within seven days from the course completion date. Course completions will be reported within this time frame and often within 48-72 business hours. Contact us for rush handling.

Final Exams: Final exams must be passed with at least a 70% and may be taken as many times as necessary in order to pass.

Certificates: Upon completion of the course, Diehl Mortgage Training and Compliance will provide students with an electronic Certificate of Completion. Certificates will remain in your account for a minimum of five years, should you need additional copies. Please refer to your license renewal application to determine if you need to submit your Certificate of Completion with your license renewal request. Course completion dates are recorded using Eastern Standard Time. Please note that the date of your Certificate of Completion will reflect this.

Florida Continuing
Education (CE) FAQs

What are Florida’s requirements for MLO Continuing Education?

Florida’s NMLS Continuing Education Requirements for Florida mortgage license renewal are as follows: 

MLOs must complete at least 8 hours of NMLS Continuing Education annually, which includes:

  • Three hours of Federal Law
  • Two hours of Ethics
  • Two hours of non-traditional mortgage lending
  • One hour of Florida MLO continuing education
How do I contact Florida about mortgage licensing?

To learn more about the Florida continuing education requirements or becoming a first-time MLO, you can see the Florida requirements on the NMLS website or via Florida’s Office of Financial Regulation.


Florida Office of Financial Regulation:

Phone: 850-410-9895

Email: [email protected]

Website: www.flofr.com

What happens if my NMLS license expires in Florida?

If you don’t renew your license on time in Florida, you will be placed on inactive registration. To avoid this, make sure that your NMLS continuing education courses have been completed well before the deadline of December 31. This will ensure that all of your records can be updated in time for you to renew. 

As you plan to renew your license, keep the
NMLS deadlines in mind:

  • SMART Renewal Deadline: CE course reported to NMLS by Friday, December 10
  • At-Risk-to-Miss Renewal Deadline: Course reported to NMLS by Friday, December 17
  • Guaranteed to Miss Renewal Deadline: Course reported to NMLS on Friday, December 31

You also have the option of taking your one-hour Florida-specific course late with a
FL late CE course to ensure all of the necessary requirements have been met. 

If you let your license expire, you will have to take your NMLS test over again because it means that you have been inactive for at least five consecutive years. Diehl Education also offers NMLS test prep to ensure that you pass your next test after the first try and don’t want to wait any longer to get back into the mortgage industry. 

To find out if you’re required to have an NMLS license, visit the NMLS Florida MLO License Description page. 

What is the deadline to complete CE in Florida?

CE must be completed by December 31st. MLOs in Florida must keep in mind that they are unable to renew their license unless they have completed CE. Because it might take up to seven (7) days for a course provider to report a course completion to NMLS, MLOs are strongly advised not to wait until the last minute to try to complete CE, otherwise they risk being unable to renew their license.

NMLS has published the following deadlines to help MLOs ensure they’re on-track to renew their license on time:

  • SMART Renewal Deadline: December 10
  • At-Risk Deadline: December 17
  • Guaranteed Missed Deadline: December 31

While the final deadline for CE completion is December 31, it’s important that you complete it well before the deadline for submitting your Florida Mortgage License Renewal to give the NMLS database enough time to update your information so that you can get renewed on time. Luckily, we can submit your course completion within 24 to 48 hours to ensure your renewal information is up to date in the NMLS database when you renew your license online. Aim to have your continuing education completed by the SMART deadline (December 10) or before. 

How does Diehl help MLO’s prepare for mortgage license renewal?

We can help you prepare for your mortgage license renewal or additional MLO State Licenses with Florida CE courses designed for busy MLOs.


Plus, our content is updated on a yearly basis to ensure you’re getting the most recent and accurate information. While you won’t be tested on your continuing education courses by NMLS, in order to succeed in your industry, you’ll need to be armed with the right information year after year. The mortgage industry is quickly evolving, which means that up-to-date information is an absolute necessity for being a successful mortgage loan officer.

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