20-Hour SAFE Comprehensive: MLO Pre-Licensure Course Standard Package The first step to MLO licensure is creating an NMLS account to get an account ID. Once you’ve done this, you’re ready to take your 22 hours of Pre-Licensure education. This education will prepare you for the next step towards getting your license, which is taking the SAFE MLO Test. This package includes all 20 hours of Pre-Licensing education required to become a mortgage loan originator (MLO), as well as Exam Prep Edge to help you pass your exam.