20Hr Loan Originator Program

$349.00 each
Choose An Upcoming Date


How It Works

All mortgage loan originators must complete 20 hours of NMLS approved education to become a licensed loan originator under Arizona law. AARE offers the 20 hours of NMLS approved education in a classroom setting.

The Prelicense Course is presented in a series of five 4-hour modules:

  1. Disclosure Law (4 hours)
  2. Federal Mortgage Law (4 hours)
  3. Government Agency & Non-Traditional Mortgage Loans (4 hours)
  4. Consumer Protection & Conventional Loans (4 hours)
  5. Ethics (4 hours)

To become a loan originator you must have completed at least 20 hours of education during the two years immediately preceeding the time of application. You must also pass the loan originator exam covering Federal and State Laws/Rules not more than one year before the granting of the license.

Attendance at all sessions is mandatory to receive course credit. Attendees must sign in for the morning and afternoon sessions before your completion status can be transmitted to the Nationwide Mortgage Licensing System & Registry (NMLS). If you do not complete all of the requirements, including a course evaluation, you will not get credit for this course and no results will be communicated to NMLS.

Arizona Academy of Real Estate is an approved NMLS Course Provider (#1400098).

Upcoming Class Dates


(each 3  or 5 day schedule represents one 20hr Program Plan.  When registering you are registering for the entire 20 hour program.)


Peoria Campus:

Feb 13-16 5:30-9:30pm
Feb 17 8am-12pm


Please register at least 1 week prior to the scheduled class. ALL WALK-INS WILL PAY $399 FOR LO PROGRAM.

Information You Need

Information You Need

Each loan originator needs to obtain a unique identifier through NMLS. If you have not obtained your unique identifier number, you need to log on to State Regulatory Registry.

To access the testing service and learn more about taking a SAFE test, download the MLO Testing Handbook.


Campus Locations

AARE has four campuses.

See below for the schedule for each campus.

AARE Peoria Campus

8476 W. Thunderbird Rd #201

Peoria, AZ 85381



AARE Scottsdale Campus

8700 E. Via De Ventura #100

Scottsdale, AZ 85258



AARE Mesa Campus

3638 E. Southern Ave. #C-101

Mesa, AZ 85206



AARE Phoenix Campus

5150 N. 16th Street #B-146

Phoenix, AZ 85016


Please register at least 1 week prior to the scheduled class. ALL WALK-INS WILL PAY $399 FOR LO PROGRAM.