Florida: NMLS Pre-Licensing MLO Requirements & Training

Number of Hours Required

State-Specific Ed Required

2 Hr FL PE

Best Way To Prepare for the Test

20-Hour Online Interactive Course

FL Requires 18 hours of NMLS-Approved Pre-Licensing Education and an additional 2 hours of state-specific education.

99.8% Success Rate with Pass Promise

Diehl offers the Pass Promise. If a user completes a simulated exam in Prep2Pass with a 95% or higher score and does not pass the NMLS/SAFE MLO test, they received a full refund for the Test Prep App. To date, 99.8% have passed the NMLS/SAFE MLO test after scoring a 95% or higher in the Prep2Pass Simulated Test.

97% Student Satisfaction Rate

Our most recent survey has listed us as a 97% customer satisfaction rating.

Complete Your Course in As Little As 3, 7, or 10 Days

Get your education requirement knocked out on a custom-paced path fit just for you.

Choose Your 20-Hour Learning Path

Click on one of the buttons below.

Looking for Only State PE?

2-Hour Florida Pre-Licensing Course

This is the state-specific education requirement for Florida.


Hours Required By The State: 20 hours including 2 hours of FL State-Specific Education.

Final Exam Instructions: Each course contains a final exam. A minimum score of 75% is required to pass the final exam and can be taken as many times as needed to pass. This exam is required for education credit, but does not count toward the SAFE Mortgage Loan Originator Test.

NMLS Education Requirement: Diehl Mortgage Training is an NMLS-Approved Training Provider for Pre-Licensing Education #1400133

Seat Time: The state requires that all students spend a minimum amount of seat time engaged in the course content. Our online learning management system tracks engagement by clicking through the course.

Reporting: Upon completion of your course, the NMLS requires course providers to credit-bank your education hours within 7 business days. Diehl banks your hours in as little as 24 hours.

Start and End Date of Course: Your course will close at the end of the 5, 7, or 10-Day period, depending on the path you choose.

Certificates: Upon completion of the course, Diehl Mortgage Training & Compliance will email you a certificate of completion. Please download and hold onto this certificate to show proof of education completion. 


Step 1 – Review your checklist

Go to the State Licensing Requirements Page for your state and gather required documentation which may need to be uploaded and sent to the state agency.

All state licensed MLOs and certain individuals as mandated by their state agency are required to pass the National SAFE MLO test, complete pre-licensure education, and submit to a criminal background and credit check prior to submitting an application in NMLS. Review Professional Standards for more details on the Criminal Background Check, Testing, Education, and Credit Report process

Step 2 – Coordinate with your company

NMLS is the official system of record so it is important to coordinate use with your employer. If your company is licensed with or registered in a state through NMLS, either of you can complete your first Individual Form (MU4) in NMLS. Whoever creates the first Individual Form (MU4) must pay any associated fees when it is submitted to the state agency. If your company is completing your first Individual Form (MU4), wait for their direction before proceeding. 

Step 3 – Create an account

NOTE: The information used to create the account must be accurate, complete and reflect information found on legal documentation. Inaccurate information may result in one or more duplicate accounts. If duplicate accounts are created, the responsible individual or company is liable for all fees associated with resolving the error.

Navigate to NMLS.

Click the Log Into NMLS button.

Click the Request an Account link.

Select the Individual option.

Review the Quick Guide: Creating an Individual Account for further assistance.

Step 4 – Log into NMLS

If your company created your first Individual Form (MU4), log in with the credentials provided, review your Individual Form (MU4), make any necessary corrections and attest to its accuracy. 

Review the Attestation Quick Guide for further assistance. 

Florida Pre-Licensing
Education (PE) FAQs

What are Florida requirements for MLO Pre-Licensing Education?

If you’re looking to become an MLO in the state of Florida, you’ll be required to complete 20 hours of NMLS-approved Pre-Licensing Education. The Florida NMLS Pre-Licensing course includes the following: 

  • 3 Hours of Federal Law
  • 3 Hours of Ethics
  • 2 Hours of Non-Traditional Mortgage Lending Training 
  • 2 Hours of Florida Law
  • 10 Hours of Electives 

After you have successfully completed your Florida mortgage loan officer training, the course provider will report your course completion to the NMLS. Providers must do this within seven business days, but Diehl Education will submit it in as little as 24 hours. 

Florida Mortgage Licensing Information

In addition to Florida PE courses, there may be additional, state-specific requirements that you’re obligated to complete before submitting your MLO application. You can obtain more information regarding Florida PE courses, Continuing Education (CE), and state-specific responsibilities on the NMLS site.

Furthermore, if you’re seeking additional State NLMS Licenses, you’ll have to check in with the state you wish to be licensed in for their particular provisions. 

How do I contact Florida Mortgage Licensing?

If you have questions or concerns regarding your new Florida NMLS license, you can contact the Florida Office of Financial Regulation using the following information:

  • Phone: 850-410-9895
  • Email: [email protected]
  • Website: https://flofr.gov/
  • Address: 200 E. Gaines Street,
    Tallahassee, FL 32399

For more information regarding licensing agencies in Florida, you can refer to the NMLS Florida MLO License Description.

How long is the 20-hour Florida NMLS Pre-Licensing course good for?

According to the NMLS PE Expiration Policy, Pre-Licensing Education is good for three years. If applicants fail to receive their mortgage license within that timeframe, they must retake the 20-hour Florida NMLS Pre-Licensing Education Course. Keep in mind that this policy is currently pending enactment in the state of Florida, meaning it’s not enforced at this time but will be in the near future.

Is there a deadline to complete PE in Florida?

There’s no deadline to complete Pre-Licensing Education since it’s a pre-requisite for a new Florida NMLS license. However, once you finish your 20-hour PE course, you’ll have to apply for your license within three years. Note that when you become an MLO, you’ll have an annual CE requirement that’s due on December 31 of each year. You’ll have to stay on top of this deadline to maintain your license in good standing.

How does Diehl help prepare for a Florida mortgage license?

Diehl Education can help you prepare for a Florida mortgage license by equipping you with the education to pass the NMLS exam the first time around. Our comprehensive NMLS Pre-Licensing Education courses are curated by industry experts that want to see you succeed in the mortgage industry. When paired with our NMLS Test Prep tools, which include flashcards and a practice exam that mirror the real thing, you’ll be well on your way to receiving a score of 75% or better.

Scroll to Top