Hello, Kentucky Mortgage Loan Originator.

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Cape School, Inc - NMLS Provider ID #1400105

Mortgage Education Requirements

This information is intended to provide answers to commonly asked questions. It is not intended to replace detailed information found in your state's statutes and regulations. Though we have made reasonable efforts to ensure that the information given is reliable and current, we cannot guarantee that it is. For more information please take advantage of the resource links below.

Special Notice Regarding NMLS ID Numbers

All MLOs need to have a unique NMLS ID number in order to have their course completions recorded in NMLS. You may obtain your NMLS ID Number and find other important information in the NMLS resource center.
Click here to visit the NMLS resource center.

NMLS has a new and improved login experience that requires action the first time you login. We strongly encourage you to log in to NMLS before Nov. 1st to ensure your account is up to date when you start the renewals process.

Log in to NMLS today and complete the new login process!

Mortgage Loan Originators Licensure Quick Facts

All existing Kentucky Mortgage Loan Originators and new MLOs must:
• Register with the NMLS and obtain a unique ID Number
• Successfully complete an NMLS approved 20-hour pre-license course
• Pass an NMLS administered national exam to qualify for licensure.
• Pass a national background check

Credit Reporting

Cape will report CE credits to the NMLS within 5 business days of successful completion of the course final exam. We MUST have your NMLS number in order to report your completion (see "Register with the NMLS" above).

Education Requirements

For information regarding pre-licensing and continuing education requirements and deadlines, the NMLS mandates the following for Kentucky:

NMLS requirements for Kentucky

CE Webinars: NMLS requires continuing education webinar classes to be attended from a computer, laptop, or tablet. Cellular devices are not allowed. It is also required that your webcam be on and you be visible during class.

Regarding LATE CE:

We ask that MLOs please verify your need for LATE CE credits before completing a LATE CE course. You can find your education record on your NMLS account. This displays the MLO's entire education history and tracks federal and state education requirements by year. If an MLO does not have a CE requirement for a specific year, the record will display "No Federal CE Requirement" or "No State CE Requirement." If an MLO does not have a federal or state CE requirement, they should not complete a Late CE course. Additionally, if an MLO has a previous year CE requirement, it is only for the last year in which they were previously licensed with that agency. Note that some MLOs who have not been licensed for three or more years may be required to retake PE instead of completing Late CE (see the State-Specific Education Charts for details). Information about how to view the course completion record is available here: Course Completion Records

Contact Information:

If you are having trouble using NMLS or need assistance in using it, phone the NMLS Call Center at (855) 665-7123.

Nationwide Mortgage Licensing System

State Regulatory Registry, LLC
1155 Connecticut Ave. NW
Fifth Floor
Washington, D.C. 20036-4307
NMLS resource center

If you have a question concerning a state's licensing requirement or how to use NMLS to meet your state's licensing requirements, please click here:

Contact Information
Public Protection Cabinet
5th Floor
Capital Plaza Tower
500 Mero Street
Frankfort, KY 40601

Telephone:
(502-564-7760


Contact Cape:
Cape School, Inc.
P.O. Box 9
Buckingham, VA 23921

Phone: 800-769-1974
Fax: 888-303-1828
Or email us

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