TenneSSee, this is how you get licensed

Become a Mortgage Loan Originator in Tennessee with Aceable

Trusted Mortgage Pre-Licensing Education

  • Flexible Learning Options
  • Confidently Prepare for the NMLS SAFE Exam
  • Built to meet TDFI requirements and approved by NMLS
The Aceable Mortgage Advantage: become a loan officer, your way. NMLS-approved courses to help you pass the SAFE exam, with flexible learning options, PREP-to-PASS Exam Prep, and a 30-Day Satisfaction Guarantee. Feature availability varies by state and package.

Choose Your Tennessee Pre-Licensing Course

Already have your national? Grab the 2-hour Tennessee law. 

Need it all? The bundle gets you license-ready.

Tennessee Pre-License Course 

2-Hour Tennessee Law Only

Online self-study format. Takes 2 hours to complete.

Note: Basic package is only for students who've already completed the 20-hour national requirement.
 

National + Tennessee Basic

20-Hour National + 2-Hour TN Pre-License Course 

Includes 20-Hour SAFE/TN State Course with live, online webinar.

SAVE 15%
$479 $407
As low as $37/mo with Affirm Logo †, or 4 interest-free payments of $101.75 with Klarna Logo ††
Most Popular

National + Tennessee Premium

20-Hour National + 2-Hour TN Pre-License Course 

Includes the Basic package plus PREP-to-PASS MLO exam prep.

SAVE 20%
$519 $415
As low as $38/mo with Affirm Logo †, or 4 interest-free payments of $103.75 with Klarna Logo ††
State Only
State + National Basic
State + National Premium

2-Hour Tennessee Pre-License Education

Online Self-Study Format

Study at your own pace

Meets TN State-Specific Requirement

Satisfies Tennessee state licensing requirements. NMLS Course ID: 18414

Streamlined Course Design

Straightforward content built to keep you moving

20-Hour National Pre-License Education

20-Hour SAFE/TN National Course

Includes the required national pre-licensing education. NMLS Course ID: 4435

Live, Instructor-Led Webinar

Schedule webinars after enrolling with weekday morning and evening sessions

20-Hour SAFE Test Prep

Includes PREP-to-PASS National 20-Hour exam prep with targeted practice exams and instant grading.

†

Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures, see affirm.com/licenses.

††

See Klarna payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.

How to Get Your Mortgage License in Tennessee

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1. Complete Your Pre-Licensing Education

Create your NMLS account and complete your NMLS approved education. Tennessee requires two hours on Tennessee law, including the Residential Lending, Brokerage and Servicing Act and the Home Loan Protection Act.

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2. Schedule and Pass the SAFE MLO Test

Enroll in the SAFE MLO Test through NMLS when you’re ready. Hit 75% or higher and you’re on to the next step.

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3. Apply for Your License

File your MU4 application with the Tennessee Department of Financial Institutions (TDFI) through NMLS and pay the application and license fees.

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4. Complete Your Background Check

After you file, get fingerprinted through NMLS for your FBI background check. TDFI reviews the results along with your credit report.

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5. Start Your Mortgage Career

Your license goes active once your employer sponsors you in NMLS. Then you’re ready to help Tennessee buyers finance their homes.

Why Future MLOs Choose Aceable Mortgage

Golden trophy

Made to Help You Ace the Exam

No fluff. Just proven strategies, simple lessons, and bite-sized content that sticks.

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Learn Your Way! No Pressure, No Problem

Night owl or planner? We’ve got you. Learn at your pace or join live webinars.

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Built by MLOs, for MLOs

Not your average course. Built by seasoned mortgage pros who’ve walked in your shoes.

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Real Humans, Real Support

Stuck? Our real, live support team’s got you: fast answers, zero bots.

Want help getting started?

Get insider tips and guidance to kickstart your mortgage career.
Sign up today.

Why Mortgage Students Trust Aceable

Star Ratings


Best Instructors In Town

"I took the (MLO) Mortgage certification class and the instructor was by far the best instructor I have worked with. Although I was an online student he made the experience joyous & informative throughout the program.”

- Amal W.

Star Ratings


Live Online Class Was Very Helpful

"Quick responses and very friendly. The entire process for live online class went very smoothly. Very interactive as if you were in the classroom and lots of information to prepare for the test. Everyone was very helpful.”

- Noemi B.

Star Ratings


Worth the Class

"Class was very worth taking. Instructor did an amazing job teaching during the class. Can really tell they knows what the industry is like, and made it easier to understand the material.”

- Carolyn G.

Top Questions About Your Tennessee Mortgage License

Who should select the Tennessee Pre-Licensing Education Bundle?

Is the 20-Hour National Course in the bundle live or self-paced?

Why are more people getting their mortgage license in Tennessee?

Can I become a mortgage loan officer in Tennessee without experience?

What is the annual mortgage CE requirement in Tennessee?

How long does it take to get a mortgage license in Tennessee?

How should I prepare for the Tennessee NMLS mortgage exam?

What is PREP-to-PASS?

Key Resources for Aspiring Mortgage Professionals

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How to Get Your Mortgage License in Tennessee

Complete guide to getting your Tennessee mortgage license. Learn education requirements, exam details, and the step-by-step process to become licensed.

woman on the computer

Tennessee NMLS Exam: Passing Score, Format, and Success Strategies

Get the details on exam scoring, format, and key study tips to help you pass with confidence.

Aceable Mortgage, formerly Real Estate Institute, is an NMLS-Approved Course Provider, #1400102