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Mortgage/ Continuing Education/ New Jersey/ 12-Hr. NJ MLO 2026 CE Package
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12-Hr. NJ MLO 2026 CE Package

$135
This product includes:
Elective Hours: 2 Mandatory Hours: 10 Total Hours: 12
Description
Package content and courses
State Requirements

This complete package includes all 12 hours of annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license in New Jersey.

Courses included in this package:

  • 8 Hour SAFE Comprehensive: 2026 Mortgage Loan Originator Course 
  • 4 Hour NJ SAFE: 2026 Electives and New Jersey Law Review Course 

Package Content:
4 Hour NJ SAFE: 2026 Electives and New Jersey Law Review

A mortgage loan originator (MLO) licensed in New Jersey is required to complete 12 total hours of continuing education annually. This includes the standard eight hours of national content:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on traditional and non-traditional mortgage products
  • One hour of elective content

Plus, New Jersey’s additional continuing education requirements of:

  • Two hours of elective content
  • Two hours of New Jersey-specific education

This online self-study course satisfies the two hours of elective content and two hours of required state-specific education for MLOs that have satisfied the elective requirements elsewhere. Within the course, students will spend time reviewing state regulations and impacting mortgage loan origination activities; perusing scenarios, examples, or case studies; and completing exercises to demonstrate understanding of the content.
8 Hour SAFE Comprehensive: 2026 Mortgage Loan Originator Course

This online self-study course satisfies the eight hours of 2026 annual continuing education required of individuals maintaining a state-issued mortgage loan originator (MLO) license. Within this course, students will spend time reviewing required topics, including:

  • Three hours on federal mortgage-related laws
  • Two hours on ethics, fraud, and consumer protection
  • Two hours on lending standards related to nontraditional mortgage products
  • One hour on elective content

State Requirements For New Jersey

New Jersey Requirement Detail for Mortgage Continuing Education

Hours Required by the State: 12 hours 

  • 3 hours of federal law

  • 2 hours of ethics

  • 2 hours of non-traditional mortgage lending

  • 3 hours of electives

  • 2 hours of state-specific education

An MLO who has completed their pre-licensure education (PE) course requirements in the same year in which the license was approved is not required to complete CE within the same year.

Successive Years Rule:

A licensee may not take the same CE course two years in a row.

Seat Time:

Seat time will be enforced and our online course delivery system manages this requirement.

 

NMLS Provider # 1405076

Course Completion Reporting:

Mortgage course completions are reported to the Nationwide Multistate Licensing System and Registry (NMLS). The CE Shop will report credits to the NMLS within 7 business days of course completion. The NMLS recommends completing CE prior to the 12/31 deadline as licensees are unable to apply to renew their license if their CE is not complete.

 

NMLS Recommended Deadline Time Frames: SMART CE, AT RISK TO MISS, and GUARANTEED TO MISS deadlines can be found here.

New Jersey Contact Details for Mortgage Continuing Education

New Jersey Department of Banking and Insurance
Phone: 609-292-7272
Email: bliconline@dobi.state.nj.us
Website: New Jersey Department of Banking and Insurance

NMLS Resources for Mortgage Continuing Education

New Jersey MLO License Description Page
Professional Standards: Mortgage Education
Professional Standards: Criminal Background Check 
Professional Standards: Credit Report
Professional Standards: MLO Testing