California Dreaming (of CE Hours)
So, you're a Mortgage Loan Originator (MLO) in the Golden State, huh? Congrats on choosing a career that's as sunny as the California coastline. But let's talk about the less glamorous side: continuing education (CE). Because let's face it, learning about mortgage laws is about as exciting as watching paint dry (unless you’re into that sort of thing).
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| How Many Hours Of California-specific Continuing Education Must Mlos Complete Annually |
The Golden State, Golden Rules
California, the land of dreams and avocado toast, also has some pretty strict rules for its MLOs. And one of those rules is about CE hours. You know, those precious hours you could be spending surfing, hiking, or simply enjoying a glass of wine by the beach. But alas, the mortgage gods demand your attention.
QuickTip: Pay close attention to transitions.
How many hours do you need? Drumroll, please... 8 glorious hours of California-specific CE is your annual quota. That's right, eight whole hours dedicated to brushing up on laws, regulations, and all that other fun stuff.
QuickTip: Focus on one line if it feels important.
Breaking Down the 8 Hours
Don't worry, it's not all doom and gloom. The 8 hours are broken down into different categories:
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- Federal Law: 3 hours of this. Think of it as the foundation of your mortgage knowledge.
- Ethics: Another 2 hours to keep your moral compass pointing north.
- Non-Traditional Mortgage Lending: 2 hours to explore the wild world of alternative loans.
- California-Specific: And finally, the dreaded 1 hour dedicated to our beloved Golden State.
Tips for Surviving CE
- Choose your courses wisely: There are a million and one CE providers out there, so pick one that doesn't put you to sleep.
- Find a study buddy: Misery loves company, right? Grab a fellow MLO and turn your study sessions into a social event.
- Take advantage of online courses: You can earn your CE credits in your pajamas, people!
- Don't procrastinate: We all know how that ends.
How to... Your CE Questions Answered
How to stay awake during a boring CE course?
QuickTip: A short pause boosts comprehension.
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- Bring coffee, lots of coffee. Or try meditation, if that's your thing.
How to make CE fun?
- Challenge your colleagues to a quiz. The loser buys coffee.
How to remember all the crazy mortgage laws?
- Create funny mnemonics. Or just hope for the best.
How to find reputable CE providers?
- Ask your fellow MLOs for recommendations.
How to avoid CE burnout?
- Take breaks, reward yourself, and remember: it's just 8 hours.
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