An Overview of Obtaining A Mortgage License In Texas

 This post will take you through some key aspects of getting a mortgage license in Texas. Note that to start, you must be at least 18 years old and a citizen of the USA.

Click here Click here to learn about obtaining a mortgage license in Texas.

First, create an account with the Nationwide Mortgage Licensing System (NMLS) and obtain an ID that will be valid throughout your career.   

Next, go through an NMLS-approved pre-licensing course in a classroom or online setting. The coursework consists of 20 hours of a national section and a 3-hour state-specific one dealing with the mortgage laws relevant to Texas. Online courses offer the flexibility to study at any time without breaking your routine schedules.



Among the top providers of online courses to get a real estate license in Texas is RealEstateU. Not only are their courses designed by experienced mortgage loan officers but they are very affordable too.

After completing the coursework, submit your fingerprints for verification of any past criminal activities that might render you ineligible for a license.

Visit the NMLS website and schedule the Secure and Fair Enforcement (SAFE) exam. On the allotted day, appear for the 190-minute exam and pass it. The minimum grade for a pass is 75%.

After cracking the SAFE test, apply for a license on the portal of NMLS. Attach proof of completing the pre-licensing coursework and the fingerprint fitness certificate. The application fee for getting a mortgage license in Texas is $195.

Finally, find a broker willing to sponsor and mentor you in the initial stages of your career.

When all these steps are completed, you will be issued an active MLO license to launch a very lucrative career in the residential mortgage sector.  

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