Free Mortgage Loan Officer Training is more available in 2025 than most people realize. Across the U.S., several reputable organizations offer free courses, webinars, and learning resources that help new and aspiring loan officers understand guidelines, loan products, and industry fundamentals—without paying for expensive coaching programs. This guide highlights the top free training options, complete with direct links, and explains why Loan Factory offers one of the strongest no-cost training ecosystems in the industry.
Do You Still Need to Pay for NMLS Licensing? (2025 Update)
Yes. Federal law requires all new mortgage loan officers to complete:
- 20 hours of NMLS pre-licensing education
- 2–4 hours of state-specific coursework
- SAFE MLO exam (minimum passing score: 75%)
These courses cannot legally be free, and national pricing typically ranges from $400–$700. Everything after licensing, however, can be free—and that’s where the programs below come in.
→ Learn more: How to Pass the SAFE MLO Exam on Your First Try?
Top Free Mortgage Loan Officer Training Programs in the U.S.
These are the most reliable and widely recommended free training resources available today.
1. Loan Factory – Free Training, Mentorship, Technology & Leads
Learn more: https://academy.loanfactory.com/
Loan Factory offers one of the most complete Free Mortgage Loan Officer Training programs in the country, including:
- Weekly live training workshops
- Loan Factory Academy with scripts, videos, and checklists
- Mentorship from Thuan Nguyen (#1 Loan Officer in the U.S.)
- Free MOSO platform (CRM, LOS, pricing engine, marketing, compliance)
- Access to 240+ wholesale lenders
- Free company-generated leads in 42 states
For new loan officers, this is one of the strongest no-cost ecosystems available.
→ Learn more: Best Mortgage Loan Officer CRM Tools to Close More Loans
2. Freddie Mac Learning Center (100% Free)
Access: https://sf.freddiemac.com/education
What you get:
- Loan product training
- Underwriting fundamentals
- Affordable lending education
- Credit, income, and asset guidelines
Great for foundational knowledge.
3. Fannie Mae Mortgage Learning Center (Free)
Start learning: https://singlefamily.fanniemae.com/learning-center
Offers:
- DU® (Desktop Underwriter) training
- Loan product education
- Affordable housing programs
- Renovation & purchase-rehab training
Ideal for guideline and product mastery.
4. Mortgage Bankers Association (MBA) – Free Webinars
Browse webinars: https://www.mba.org/conferences-and-education/webinars
Includes free content on:
- Market outlook
- Regulatory updates
- LO development topics
Helpful for staying current with the industry.
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5. National Mortgage Professional (NMP) – Free Training Webinars
See webinars: https://nationalmortgageprofessional.com/webinars
Covers:
- Lead generation
- LO productivity
- Product-specific training
- Marketing strategies
Perfect for sales-focused LOs.
6. UWM Success Track (Free for Approved Brokers)
Program details: https://www.uwm.com/training/success-track
Includes:
- Multi-day in-person workshops
- Processing and underwriting training
- Loan structuring
- Borrower experience best practices
Note: Must be an approved UWM broker.
7. YouTube Learning (Free & Updated Often)
Great for quick lessons and visual learners.
Why Loan Factory Offers the Strongest Free Mortgage Loan Officer Training
Loan Factory gives new and experienced loan officers everything they need to learn the business, grow quickly, and keep more of their income—without paying for expensive tools or coaching. Here’s what makes the free training ecosystem so powerful:
- Keep 100% Commission (Just $595 per file)
No revenue splits. No confusing tiers. You keep your full commission and only pay a flat fee per closed loan.
- No Desk Fees or Junk Fees
No monthly charges, no hidden costs, no surprises. You can build your career without extra overhead.
- Free MOSO Platform (Replaces ~$963/month in tools)
Your all-in-one system includes:
- CRM
- LOS
- Pricing engine
- Marketing automation
- Compliance tools
- Review management
All free for Loan Factory loan officers.
- Access to 240+ Wholesale Lenders
You can compare and price loans instantly, giving borrowers more choices and better options.
- Mentorship From Thuan Nguyen (#1 LO in the U.S.)
Weekly training, guidance, and real-world techniques from one of the nation’s top producers.
- Free Company-Generated Leads (42 States)
You don’t have to spend money on advertising. Loan Factory sends leads directly to active loan officers.
- In-House Underwriting + $500 Processing
Files move faster with internal support, helping you close more loans with confidence.
Join Loan Factory’s Free LO Training Webinar
Start your mortgage career the right way—get licensed, get trained, and begin closing loans with full support behind you.
FAQs: Free Mortgage Loan Officer Training
