A Guide To A Mortgage Loan Officer License In Texas

A mortgage loan officer (MLO) is the crucial link between lenders and financial institutions on one hand and prospective homeowners seeking mortgage loans to buy their dream home on the other.

So, how do you get a mortgage loan officer license in Texas to be in this profession?

Click here to learn more about getting a mortgage loan officer license in Texas.

Here are the steps to reach your goal.

·        Open an account with the Nationwide Mortgage Licensing System (NMLS) and get an NMLS ID number which will be valid throughout your career as an MLO.

·        Go through the pre-licensing coursework which is 20 hours for the national section and 3 hours for the state-specific section. Subjects covered include mortgage loan fundamentals, principles, financial regulations, and more. Check out the top-quality online NMLS-approved pre-licensing courses from RealEstateU.


·        Schedule your Secure and Fair Enforcement (SAFE) licensing exam with the NMLS and pay the fee of $110. Appear for the exam and pass it. The licensing exam is 190 minutes duration and the pass score is 75%.

·        Submit your fingerprints and pay $36.25 for a background check for any past criminal records.

·        After passing the SAFE test, pay $30 and apply for a mortgage loan officer license in Texas. You will now be awarded a license but that will not be activated until you complete the next step.

·        The final step is to find a sponsoring broker to mentor you during the initial stages of your career. Once, you join a broker’s firm, your license will be activated.

These are the steps to go through to get a mortgage loan officer license in Texas and launch a lucrative career. 

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