Mortgage License Reinstatement Deadline: Don’t Let February 28th Catch You Off Guard!

The clock is ticking! If you missed the mortgage license renewal deadline, you have until February 28th to reinstate your license—but after that, you could be facing serious setbacks.

Failing to renew on time doesn’t just mean temporary inactivity—it can impact your ability to originate loans, delay business operations, and even result in costly compliance penalties. The good news? You still have time to fix it!

Let’s break down what mortgage professionals need to know about the reinstatement deadline, the risks of missing it, and how to ensure you stay licensed and compliant.

⏳ What Is the Mortgage License Reinstatement Period?

If you didn’t renew your mortgage license before the standard NMLS renewal deadline (December 31st, 2024), you aren’t out of luck just yet. The NMLS reinstatement period is a grace period that allows mortgage loan originators (MLOs), brokers, and lenders to submit their renewal applications late—but only until February 28th, 2025.

What Happens If You Miss the Reinstatement Deadline?

🚨 Your mortgage license becomes inactive, and you cannot originate loans.
🚨 You may be required to reapply for licensure, which can be costly and time-consuming.
🚨 Some states may require additional education or testing to regain licensure.

💡 Pro Tip: Avoid unnecessary roadblocks—act before February 28th to prevent disruptions to your business.

🔍 How to Reinstate Your Mortgage License Before the Deadline

If you still need to complete your NMLS license renewal, follow these simple steps before February 28th to avoid being locked out of the mortgage industry:

✅ Step 1: Log Into Your NMLS Account

✔ Visit the NMLS Resource Center and log in to your account.
✔ Check the status of your license renewal application—if it’s marked as “Inactive” or “Not Renewed,” you must submit reinstatement.

✅ Step 2: Complete Any Outstanding CE Requirements

✔ Make sure you’ve completed your NMLS-approved continuing education (CE) courses.
✔ Many states require 8+ hours of CE, and some have additional state-specific requirements.
✔ If you haven’t completed CE yet, enroll in an online course ASAP to meet the requirement before applying for reinstatement.

✅ Step 3: Submit Your Reinstatement Application & Pay Fees

✔ Navigate to the Renewal/Reinstatement section in your NMLS account.
✔ Submit your reinstatement request and pay the applicable state and NMLS fees.
✔ Keep an eye on your NMLS inbox for any additional steps required by your state regulator.

💡 Pro Tip: Some states take longer to process reinstatement applications—don’t wait until the last minute!

🚀 Why You Should Act NOW (and Not on February 28th at 11:59 PM)

Waiting until the last day to reinstate your license is a risky move. Here’s why you should take action immediately:

⏳ Processing Delays: Many mortgage professionals scramble to renew at the last minute, causing potential backlogs in NMLS processing.
⚠ State-Specific Requirements: Some states require extra steps (like background checks or state approvals), which could delay your reinstatement.
💲 Avoid Extra Costs: Late reinstatement fees can add up—getting ahead of the deadline saves you money.

🔹 Need help navigating the process? The Licensing Center can assist you with reinstatement, compliance tracking, and license renewals so you never miss another deadline!

📌 Don’t Risk Losing Your License—Reinstate Before February 28th!

Your mortgage career depends on staying licensed and compliant. Missing the February 28th reinstatement deadline could mean starting from scratch—so don’t put it off!

🔹 Have questions about reinstatement?
🔹 Need help completing CE requirements fast?
🔹 Looking for an easier way to manage mortgage licensing deadlines?

📩 Contact The Licensing Center today! We’ll help you navigate the process smoothly so you can stay compliant and continue originating loans without disruption.

🚀 Reinstate now—before it’s too late!