Mortgage license renewal season can sneak up on you—and if you’re not prepared, it can cost your business time, money, and even the ability to originate loans. Whether you’re a broker, lender, or loan officer, staying compliant across multiple states is a major part of your success. The good news? With the right game plan, it doesn’t have to be stressful.
Here’s a smart, month-by-month strategy to help you stay ahead of mortgage license renewals and avoid last-minute headaches.
📅 July–August: Begin Internal Review
It might seem early, but this is the perfect time to:
- Review your current licenses (company + individual)
- Check which states require state-specific CE (continuing education)
- Confirm NMLS information is accurate for each entity and individual
✅ Pro Tip: Make a spreadsheet or use a CRM to track expiration dates and requirements for every state you’re licensed in.
📅 September: Update Business & Contact Info
States require current business details in your NMLS filings. Now’s the time to:
- Confirm addresses, phone numbers, and responsible parties
- Update any changes to business structure or ownership
- Check that all Control Persons’ records are current
📅 October: Complete Continuing Education
CE is required for both companies and individual loan originators in most states.
- Knock out your CE early to avoid the November/December rush
- Be sure to complete state-specific hours where needed
- Use NMLS-approved providers to ensure credit is applied
✅ Pro Tip: Don’t assume your education provider submitted your hours. Double-check in NMLS.
📅 November: Start the Renewal Process
This is when most state renewal windows officially open.
- Submit renewals through the NMLS portal
- Pay fees and verify submission receipts
- Look out for state-specific steps like bond confirmations or notarized documents
✅ Pro Tip: Some states have hard deadlines with no grace period. Waiting until December could cost you your license.
📅 December: Follow Up & Final Checks
The final stretch. Make sure:
- All renewals are approved (not just submitted)
- No outstanding documentation or fees remain
- CE credits are marked complete in the NMLS
✅ Pro Tip: Keep copies of all confirmations and approvals in a secure internal file.
Why Staying Ahead Matters
Missing a mortgage license renewal deadline can result in fines, lost business, and state-imposed holds on activity. Multi-state mortgage professionals especially need a strong compliance workflow to stay active and competitive.
At The Licensing Center, we help brokers, lenders, and loan officers across all 50 states manage renewals smoothly and on time.
✅ Let Us Handle the Renewals for You
We: ✔️ Track all your state deadlines ✔️ Manage NMLS updates ✔️ Confirm CE and bonding ✔️ Submit and monitor renewals
🗓️ Book a free consultation today at thelicensingcenter.com and let’s keep your licenses—and your business—100% compliant.
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