Why Choose RealEstateU to get your MLO license?

  • Only $199
  • Online instructor-led and self-study course
  • Complete your required Texas MLO pre-license education in 14 days

NMLS ID

The first step to obtaining your MLO license is creating an NMLS account to get your NMLS ID.
Obtain your NMLS ID if you don’t have one:

You will need your NMLS ID when you go through your National and State Modules.

Please email us at [email protected] if you have any questions.

RealEstateU Offers An affordable way to get your Texas MLO license

Save More Than $100 With RealEstateU:

Company Price

RealEstateU
$199
MEC logo.
MEC
$399

CEShop
$470
OnCourse Learning logo.
OnCourse Learning
$369

TX-OCCC Packages

TX-OCCC MLO License

This is the package you need to get your MLO license with the TX-OCCC

$199

Get started 100% Satisfaction Guarantee

20 Hour SAFE Comprehensive: Becoming a Mortgage Loan Originator Course

  • 14-day online instructor-led course
  • Satisfies all of the TX-OCCC MLO pre-licensing education requirements
  • 20-Hour SAFE Comprehensive Course NMLS Approval Number: 16066

Most Popular

TX-OCCC MLO License + Study Guide

Add our study guide and reduce your study time by up to 90%.

$278

Get started 100% Satisfaction Guarantee

20 Hour SAFE Comprehensive: Becoming a Mortgage Loan Originator Course

  • 14-day online instructor-led course
  • Satisfies all of the TX-OCCC MLO pre-licensing education requirements
  • 20-Hour SAFE Comprehensive Course NMLS Approval Number: 16066

National SAFE Exam Prep Guide

  • Reduce your study time by up to 90%
  • Focus on the information you need to know for the exam
  • Consider this guide as the "Cliff Notes" for the National exam
  • Includes 5 practice exams

TX-SML Packages

TX-SML MLO License

This is the package you need to get your MLO license with the TX-SML

$199

Get started 100% Satisfaction Guarantee

20 Hour SAFE Comprehensive: Becoming a Mortgage Loan Originator Course

  • 14-day online instructor-led course
  • Satisfies all of the TX-SML MLO pre-licensing education requirements
  • 20-Hour SAFE Comprehensive Course NMLS Approval Number: 16066

3 Hour TX-SML SAFE: Texas Laws Course

  • Online Self-study course
  • Satisfies all of the TX-SML MLO pre-licensing education requirements
  • 3-Hour TX-SML SAFE Course NMLS Approval Number: 16093

Most Popular

TX-SML MLO License + Study Guide

Add our study guide and reduce your study time by up to 90%.

278

Get started 100% Satisfaction Guarantee

20 Hour SAFE Comprehensive: Becoming a Mortgage Loan Originator Course

  • 14-day online instructor-led course
  • Satisfies all of the TX-SML MLO pre-licensing education requirements
  • 20-Hour SAFE Comprehensive Course NMLS Approval Number: 16066

3 Hour TX-SML SAFE: Texas Laws Course

  • Online Self-study course
  • Satisfies all of the TX-SML MLO pre-licensing education requirements
  • 3-Hour TX-SML SAFE Course NMLS Approval Number: 16093

National SAFE Exam Prep Guide

  • Reduce your study time by up to 90%
  • Focus on the information you need to know for the exam
  • Consider this guide as the "Cliff Notes" for the National exam
  • Includes 5 practice exams

Refund Policy

The RealEstateU® 20-hour SAFE Comprehensive: Becoming a Mortgage Loan Originator course and 3-hour TX-OCCC SAFE: Texas Laws course are eligible for a refund within 72 hours of purchase.

FAQs: Obtaining an MLO License in Texas

An MLO license is a Mortgage Loan Originator license. The license is issued by the Texas Department of Savings and Mortgage Lending. It authorizes a compensated individual to take residential mortgage loan applications and negotiate the terms of residential mortgage loans secured by properties located within the state of Texas.

Several Texas MLO license requirements must be met before obtaining a license.

  • Complete 20 hours NMLS approved of pre-licensing coursework which includes 3 hours of Texas-specific content.
  • Sit for the National Mortgage Loan Originator test and pass the exam.
  • Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
  • Complete fingerprinting to clear criminal background checks by the state and federal agencies.
  • Submit a credit report that proves you can take financial responsibility.
  • Be covered under an employer’s lending bond.

The Texas Department of Savings and Mortgage Lending (TXSML) issues an MLO license in New York after these conditions are met.

The TXSML charges a license/registration fee of $120 which includes a $20 Recovery Fund Fee.
Additional fees of $36.25 are for a FBI criminal background check, NMLS processing fee of $30, and a $15 credit report charge.

There is also the cost of completing an MLO license course in Texas. The Texas 20-hour MLO pre-licensing course is offered by RealEstateU for $199.

After completing the NYS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.

The total Texas MLO license cost works out to $510.25.

Several factors determine the time it takes to get an MLO license in Texas.

  • It takes about two weeks to obtain a unique identification number from NMLS. This period includes time taken for documentation and background checks.
  • The pre-license coursework is 20 hours and this will take 14 days to complete even if you study at your preferred pace.
  • Schedule and pass the SAFE ACT MLO test.
  • Next, the TXSML will review your application and the time for it depends on the number of pending new applications. Typically, the time taken at this stage is thirty to sixty days.

Hence, you can get an MLO license in Texas in 2 to 4 months after all the variables given above are considered.

The Texas MLO license education requirements include the 20-hour National SAFE course, plus the 3-hour Texas specific module. That's a total of 23 hours of coursework.

Check out the RealEstateU MLO license course in Texas that covers both the National and state-specific sections.

If you act as a mortgage loan originator for pay or other compensation on behalf of a non-depository lender offering residential mortgage loans secured by real estate located in the state of Texas, you are required to obtain a Texas Mortgage Loan Origination (MLO) license. Acting as a mortgage loan originator means taking residential mortgage loan applications and/or negotiating the terms of residential mortgage loans.

Independent Contractor mortgage loan processors and mortgage loan underwriters are also required to obtain this license.

Yes. The 20-hour SAFE course can be taken online as an instructor-led course that is taken over a 14-day period. The 3-hour TX state module is an online self-paced course that can be completed on your own schedule.

After completing the RealEstateU 23-hour coursework, you can apply online for an MLO license through the NMLS. However, you must go to an in-person center to submit your fingerprints and sit for the MLO SAFE ACT test.

An individual who has a Texas Mortgage Loan Originator license can negotiate residential mortgage loan terms and take residential mortgage loan applications that have as security or collateral residential real estate located in Texas. In addition to “Mortgage Loan Originator”, some companies have titles such as “Loan Consultant,” “Mortgage Loan Officer,” or simply “Loan Officer” that apply to individuals filling these roles.

An individual can also be an Independent Contractor mortgage loan processor or mortgage loan underwriter with a Mortgage Loan Originator license.

Generally, Mortgage Loan Originators in Texas work on commission. This might be a straight commission, some sort of draw against future commissions arrangement, or perhaps as salary plus commission.

Texas MLO Employers who hire entry -evel mortgage loan originators understand that training and building a “pipeline” of business takes some time, so they may pay an initial salary.

Some jurisdictions in TX require general licenses for any business operating there. To get a license, register your business with the TX Secretary of State and obtain a Certificate of Authority or Good Standing Certificate.

Starting an independent mortgage brokerage business in Texas will require that you complete the process of obtaining a TX Mortgage Company License for your company or yourself as a broker, and a Mortgage Loan Originator License which authorizes you to engage in mortgage loan origination activities.

Texas is a large, diverse, growing, highly populated state, and business conditions vary greatly between cities and counties.

Texas is the 2nd most populous US state with a population of over 30 million. Hence, there will always be a high demand for housing, leading to a need for residential mortgage loans. The sheer size of the residential housing market makes Texas a great place for the mortgage business.

First, think about your career goals before searching for a company in Texas to join as a Mortgage Loan Originator.

Do you want to be a neighborhood lender, developing your source of business within a community or network? Or do you prefer the pace of a volume-driven phone bank where numerous leads crop up every day?

After deciding on this aspect, search for and find MLO employers that fit your MLO career goals.