Frequently Asked Questions

Course approval varies on a state-by-state basis. To view courses that are acceptable for your continuing education requirements, select your state of licensure here: Real Estate CE Courses.

The continuing education requirements for your specific state can be viewed by selecting your state of licensure here: CE Requirements by State.

Most states offer a late renewal grace period. The details for your specific state can be viewed by selecting your state of licensure here: CE Requirements by State.

Courses from Empire Learning are delivered in convenient online formats that allow your learning to be completed at any time, from anywhere with an internet connection. Exact format requirements can vary by state and are described below.

Online Interactive (most states): Study materials are broken down into 10-15 minute sections with Check Understanding and Review Questions throughout the material. There will be a final exam at the end of most courses. The required passing score varies by state, check the details for your state on our CE Requirements page.

PDF Self-Study with Online Exam (California): Study materials are provided as PDF files that can be downloaded to your computer and read at your convenience. After reading through the course materials and completing the review questions at the end of each chapter, you will log in to your account at Empire Learning to take the multiple-choice exam for each course.

Online Correspondence (Florida, Texas): Courses are a mix of downloadable PDF files, online videos, review quizzes, and a short final exam.

No, all of aspects of courses offered by Empire Learning are completed online.

The number of final exam attempts allowed varies by state (some are unlimited). If the exam is not passed within the allowed number of attempts, you will be re-enrolled in that course at no charge. If you are re-enrolled in a course, you will be starting back at the beginning of that individual course and will need to work through the course material again. Check the details for your state on our CE Requirements page.

Check Understanding and Review questions can be attempted as many times as needed with no penalties.

Some states require a minimum amount of "seat time" in order to successfully complete CE courses. "Seat time" is the amount of time spent reading through course materials and answering any exam questions. For these states, a timer is displayed on every page in the course materials showing how much time has been spent in the course as well as the minimum amount of time required before the final exam can be submitted.

Courses are all based on a 50-minute hour. For example, a 3-hour course will have a seat time requirement of 2 hours and 30 minutes.

Completion Certificates are provided immediately after passing the final exam for your course. Certificates can be accessed from the My Account page at any time after being awarded.

Yes - please reach out to our director of firm accounts at Caris@EmpireLearning.com or 858-304-1535.

Yes, our courses are approved nationwide.

All state-licensed mortgage loan originators must complete at least 8 hours of continuing education annually. Continuing education must include:

1. Three (3) hours of Federal law and regulations
2. Two (2) hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues
3. Two (2) hours of training related to lending standards for the nontraditional mortgage product market
4. One (1) hour of undefined instruction on mortgage origination, typically referred to as an elective

Some states require one or more hours to be completed in a state-specific topic. You can view the continuing education requirements for your specific state here.

With our MLO Course Selection tool, just select the states you are licensed in and the courses you need will be populated automatically.

Courses from Empire Learning are delivered in a convenient, online format that allows your learning to be completed at any time, from anywhere with an internet connection.

Our multimedia courses include text, videos, and interactive exercises. Each course is broken down into multiple units with several text sections, interactive exercises, video and key point reviews, and brief quizzes. You must complete every unit to take a brief final exam.

BioSig-ID is a third-party authentication software used by the NMLS to verify student identity. At various times during the online course, you, the student, will be requested to validate your identity using BioSig-ID. A BioSig-ID validation will be required during the course and prior to taking the end-of-course assessment. You will need to use our NMLS ID number to log in through BioSig-ID.

The NMLS has put together a great list of resources for learning more about BioSig-ID or troubleshooting.

The first time you draw, the password is always accepted. Additional attempts will be compared to the first one. We have found that small uppercase L's and 7's drawn in the middle of the box are the easiest to recreate and for the system to recognize. Here is an additional resource for helpful tips as well as a step-by-step BioSig enrollment guide.

Once you attempt to draw your BioSig-ID and fail three consecutive times, a notice will appear that a code has been sent to your email address. You will want to copy the code that was sent to your email and input it on the screen. You will then be able to pick a new password. Here is a really helpful video on how to reset your BioSig-ID password.

You can retake any quiz or exam as many times as needed to complete a course. Students can view feedback on any missed quiz or exam questions.

NMLS requires a minimum amount of "seat time" to successfully complete CE courses. Seat time is the amount of time spent interacting with course materials and answering any questions. A timer is displayed on every page in the course materials showing how much time has been spent in the course as well as the minimum amount of time required to complete a course.

Courses are all based on a 50-minute hour. For example, a 1-hour course will have a seat time requirement of 50 minutes and an 8-hour course will have a seat time requirement of 6 hours and 40 minutes.

Completion Certificates are provided immediately after passing the final exam for your course. Certificates can be accessed from the My Account page at any time after being awarded.

Yes, we report credits every business day to the NMLS. Once credits are reported, they should quickly appear in your NMLS account so you can complete your license renewal.

Yes - please reach out to our director of firm accounts at Caris@EmpireLearning.com or 858-304-1535.