🆔 Step 1: Create Your NMLS Account
Sign up at the official NMLS website and get your NMLS ID. This ID will track all your licensing and application steps.

📚 Step 2: Complete Pre-Licensing Education
You’ll need 20 hours of NMLS-approved education covering law, ethics, and mortgage lending basics.

🧠 Step 3: Study for the Exam
Go over your course notes and take online practice exams to prepare for the national SAFE MLO test.

✅ Step 4: Take and Pass the Exam
Pass the test with a minimum score of 75%. You’ll be tested on federal law, ethics, and lending standards.

📝 Step 5: Submit Your Application
Log into NMLS to submit your MU4 application, background check, credit check, and fingerprints.

🏢 Step 6: Find a Company to Sponsor You
Apply to mortgage companies or brokerages to get your license sponsored and start originating loans.