Get Your Mortgage Loan Originator License in 2026!

Washington DC Pre-Licensing Bundle

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3 HOUR D.C. ELECTIVE

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Obtaining a mortgage license and becoming a Washington DC loan officer is very simple, but it’s not for everyone. It takes a willingness to learn the basic ins and outs of the industry as well as a desire to work hard. The mortgage industry is a great one to get into and it provides a lot of flexibility. If you like to work hard, you are a people person, and you have a desire to learn, becoming a mortgage loan officer is the perfect choice for you.

Fortunately, Mortgage Educators is here to help. All of our curriculums are created and taught by industry experts with years of experience resulting in rewarding content to help you prepare to get your license and excel in your career as a Mortgage Loan Originator.

How to Get Your MLO Mortgage License in Washington DC

1. Apply for your NMLS Account and ID Number

The first step to getting your Washington DC mortgage license is applying for an NMLS account and ID number. To do so, go to the NMLS website.

2. Complete your NMLS Pre-License Education

Washington DC requires new state-licensed MLOs to complete 20 hours of NMLS-approved education. This includes 3 hours of Federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 9 hours of electives, and 3 hours of Washington DC specific law.

3. Pass the NMLS Mortgage Licensing Exam with 75% or Better

With your education complete, you need to schedule an appointment for the National Test Component exam. Find out more about how to take your NMLS exam here.

4. Complete Background Checks and Pay All Fees

To finalize your application and receive your license, you’ll need to pay several non-refundable fees and get a background check. Find out more about how to complete your background check and fingerprints here.

5. Apply for your Washington DC Mortgage License

After receiving a passing score on your NMLS mortgage exam, you need to apply for your NMLS license. You can find more information on this step here.

6. Associate your NMLS Account with your Employer

You won’t be fully licensed in Washington DC until you have an employer sponsorship, which lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.

Washington DC Frequently Asked Questions

Washington DC Mortgage License Education Requirements

Topic	Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection	3 Hours
Federal Laws and Regulations	3 Hours
Non-Standard Lending	2 Hours
Undefined Electives	9 Hours
DC Specific Electives	3 Hours
Total 20 Hours

What is the PE Expiration Policy in Washington DC?

What's the Difference Between an Washington DC Mortgage Broker License and an Washington DC Loan Officer License?

Cost of Getting Your Washington DC Mortgage Originator License

NMLS Fees
NMLS Initial Processing Fee	$30
Washington DC License Fee	$300
Credit Report	$15
FBI Criminal Background Check	$36.25
Total License Cost	$381.25

Washington DC Continuing Education Requirements

Topic	Required Hours
Federal Regulations and Law	3 Hours
Ethics, including consumer protection, fair lending	2 Hours
Non-Traditional mortgage lending	2 Hours
Washington DC Specific Education	1 Hour

Additional Questions?