Colorado Mortgage Loan Originator Prelicensing Education and Continuing Education Requirements

Nationwide Mortgage Licensing System (NMLS) your course completion record is posted on the NMLS, you pay for the exam and schedule the exam through the NMLS, and after successfully passing your NMLS exam on your first attempt using our extremely comprehensive and effective test preparation program you apply for all licenses and renewals on the NMLS.

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Colorado Mortgage Loan Originator PE

Colorado Mortgage Loan Originator Licensing Checklist

https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CO-MLO-New-Application-Checklist.pdf

The Colorado Board of Mortgage Loan Originators has retired the Colorado state-specific testing component and adopted the Uniform State Test. Individuals seeking to obtain a MLO license with the Colorado Division of Real Estate will be required to complete two (2) hours of Colorado specific pre-licensing education (“PE”) effective March 1, 2016. This requirement is in addition to the existing PE requirements in Colorado. The total number of PE hours required in Colorado has not increased, but the course content requirements have changed to effectively replace what was required general elective with a state-specific elective. However, the state-specific course may also be completed as a standalone course outside of the 20 hours of required education.

Beginning March 1, 2016, the Colorado pre-licensure education requirements will be as follows:

* 3 hours of Federal law;

* 3 hours of Ethics;

* 2 hours of non-traditional mortgage lending;

* 2 hours of Colorado state-specific defined electives; and

* 10 hours of general electives.

Total PE: 20 Hours

CO MLO Continuing Education Requirements

All individuals required to be licensed as mortgage loan originators are required to complete eight (8) hours of continuing education on an annual basis. Such continuing education must be completed within each calendar year and prior to any license renewal or reinstatement.
Colorado CE education requirements will be as follows:
* 3 hours of Federal law;
* 2 hours of Ethics;
* 2 hours of non-traditional mortgage lending;
* 1 hour of Colorado defined electives

Colorado Mortgage Loan Originator Licensing Agency

Contact Information
Colorado Department of Regulatory Agencies
https://www.colorado.gov/pacific/dora/division-real-estate
1560 Broadway, Suite 925
Denver, CO 80202
Phone: 303-894-2166 | Fax: 303-894-2683
dora_realestate_website@state.co.us
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Colorado Mortgage Disclosure Forms

Dual Status Disclosure

  • This Real Estate Commission approved form is mandatory and is used to disclose to a client that a licensee holds both a mortgage loan originator AND real estate broker license.

Lock-In Disclosure Form

  • This form must be used for all transactions not under the authority of the TILA-RESPA Integrated Disclosure Rule and for which the applicable GFE, Hud-1 and Truth-in-Lending disclosures are used.

2015 Colorado Tangible Net Benefit Disclosure

  • At the time of completing a loan application the mortgage loan originator must complete a Tangible Net Benefit Disclosure form with the borrower(s).

Agreement for Loan Modification

  • This mandatory agreement is entered into by the homeowner and the prospective mortgage loan originator prior to the mortgage loan originator negotiating a loan modification. The agreement discusses roles, responsibilities, legal rights by the homeowner and the overall review of the loan modification proces.

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