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How to Get a Virginia Mortgage Loan Originator (MLO) License

Virginia Mortgage License Requirements

  • Complete a Criminal Background Check (CBC)
  • Authorize a credit report through the NMLS
  • Fulfill all state and federal education requirements as designated by your state agency
  • Take and pass a National Test
  • Obtain a surety bond
  • Demonstrate financial responsibility, character, and general fitness, including a satisfactory credit report

Steps to Get a Virginia Mortgage License

  1. Obtain an NMLS Unique Identifier: Register for an account on and request a unique identifier number.
  2. Criminal Background Check: Authorize a Federal (FBI) and state criminal background check through NMLS.
  3. Pre-License Education Requirements: Complete the 20 hours of NMLS-approved education, including federal law, ethics, non-traditional mortgage lending, and electives.
  4. Pass the National Test: Take and pass the SAFE Act National Test with Uniform State Test (UST). A score of 75% or better is required to pass.
  5. Secure a Surety Bond: Obtain a surety bond as required by the state of Virginia.
  6. Demonstrate Financial Responsibility: Provide evidence of financial responsibility, character, and general fitness, including a satisfactory credit report.

Course Description

Embark on a rewarding career as a mortgage loan originator in Virginia with our 20-hour SAFE Act Pre-License Course. This online, self-paced course is designed to meet the education requirements set by the state of Virginia and covers essential topics such as federal law, ethics, non-traditional mortgage lending, and electives.

Course Features

  • Online, self-paced learning
  • Comprehensive coverage of required topics
  • Interactive quizzes and practice exams
  • Expert instructor support
  • Accessible on any device, anytime

Start your mortgage career with Cameron Academy’s MLO License Course – an engaging online course offering education and support for success in the mortgage field. Enroll today and make a meaningful difference as a Mortgage Loan Originator!

Virginia Mortgage Loan Originator (MLO) 20-Hour SAFE Act Pre-License Course 2024

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