PE: 3-Hour Massachusetts


3 Hour MA SAFE State Law PE OSS 11208

NMLS Course Number: 11208

Pre-Licensure Education Requirements

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include:

  • 3 hours of Federal law
  • 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues)
  • 2 hours of non-traditional mortgage lending
  • 9 hours of undefined education (referred to as electives).
  • 3 hours of MA Law

Number of hours is 3/3/2/9/+ 3hrs of MA Law = 20

Massachusetts has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a MA comprehensive course or a state-specific elective course. Upon completion of the pre-licensing education, an individual has up to twelve months to submit an application for licensure as a mortgage loan originator. An individual who submits an application after the twelve months have expired will be required to repeat the pre-licensing education requirements.



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