Massachusetts: NMLS Pre-Licensing MLO Requirements & Training
Not Yet Licensed? Courses Required
Already Licensed? State Course Required
Best Way To Prepare for the Test
20-Hour Online Interactive Course
Diehl’s 20-Hour Pre-Licensing course is taught in two engaging and interactive formats: Online Instructor-Led, and Interactive Live Stream Webinar. Both are great options, with the Online Instructor-Led course being the most flexible option, and the Interactive Live Stream Webinar giving you live classroom-like instruction via Zoom.
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 consecutively 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 consecutively in the Prep2Pass Simulated Test.
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Massachusetts Pre-Licensing Course
This is the state-specific education requirement for Massachusetts.
MASSACHUSETTS REQUIREMENTS FOR NMLS PRE-LICENSING EDUCATION
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 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.
Massachusetts: NMLS Pre-Licensing
MLO Requirements & Training
For a Massachusetts new license, you first need to complete Massachusetts NMLS Pre-Licensing Education for MLOs. This involves 20 hours of NMLS-approved education, which includes:
- 3 hours of federal law
- 3 hours of ethics, which includes fair lending issues, consumer protection, and fraud
- 2 hours of non-traditional mortgage lending
- 9 hours of electives
- 3 hours of MA Law
The state of Massachusetts requires 3 hours of instruction on state-specific law. For this, you can take either a state-specific elective course or an MA comprehensive course.
Once you complete the pre-licensing education, you have up to a year to submit the application for licensure as a mortgage loan originator. If you submit the application after the 12 months are up, you will have to repeat the requirements for pre-licensing education.
For further details about NMLS Pre-Licensing Education for MLOs, you can contact Diehl Education at:
- Phone: 317-272-7600
- Email: support@diehl1.com
- Website: https://diehleducation.com/
For queries regarding the Massachusetts MLO new license, you can get in touch with the Massachusetts Division of Banks at:
- Phone: 617-956-1500
- Email: nmls@state.ma.us
- Website: www.mass.gov/orgs/division-of-banks
- Address: 1000 Washington St 10th floor, Boston, MA 02118, United States
For more details and queries regarding license agencies in Massachusetts, check out the NMLS Massachusetts MLO License Description.
The 20-Hour Pre-Licensing course is valid for 3 years from the date of completion. If you do not complete your licensure within this time frame, you will need to re-take the 20-Hour course.
The Massachusetts PE courses are only a prerequisite, so there’s no deadline to complete them. Keep in mind, our Online Instructor-Led courses must be completed within 7 or 10 days of the start date, depending on the format you choose. Once you finish the Massachusetts NMLS Pre-Licensing Education Course, you can choose when to take the test depending on the NMLS scheduling conditions.
Note that individuals who fail the test component the first time must wait for 30 days before retaking the test. It is highly recommended to do extensive studying before taking the SAFE MLO Test.
Diehl trainers have over 25 years of experience in the mortgage industry, so they know how to fully prepare you for the Massachusetts NMLS new license test.
To ensure your success, Diehl Education also offers NMLS Safe Test Prep Tools, which allows students to take a mock test before sitting for the actual exam.
Apart from test prep, Diehl Education also offers Massachusetts mortgage loan officer training as well as training in other states if you want to add additional licenses.