12-Hr. NJ MLO 2025 CE Package
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: 2025 Mortgage Loan Originator Course
- 4 Hour NJ SAFE: 2025 Electives and New Jersey Law Review Course
This online self-study course satisfies the eight hours of 2025 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
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.
State Requirements For New Jersey
New Jersey Requirement Detail for Mortgage Continuing Education
Hours Required by the State: 12 hours
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3 hours of federal law
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2 hours of ethics
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2 hours of non-traditional mortgage lending
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3 hours of electives
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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.
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
Professional Standards: Mortgage Education
Professional Standards: Criminal Background Check
Professional Standards: Credit Report
Professional Standards: MLO Testing