Texas Mortgage Loan Originator (MLO) pre-licensing courses
State-approved 23-hour course. Finish in 14 days. NMLS credit banking fee included — no hidden costs at checkout.
Choose your perfect study plan
Most Texas lenders license under TX-SML — if unsure, ask your employer.
License Course
Everything required to get your Texas MLO license.
$149$218
4×$37.25
- 20 Hour SAFE Comprehensive: Mortgage Fundamentals + e-Textbook
- 3-Hour TX-SML SAFE: Texas Law and Regulation
Most popular
License + Test Prep
Pass on your first try and save up to 90% of study time.
$219$297
4×$54.75
- 20 Hour SAFE Comprehensive: Mortgage Fundamentals + e-Textbook
- 3-Hour TX-SML SAFE: Texas Law and Regulation
- RealEstateU National MLO Test Prep
Career Accelerator
Get licensed and start closing deals from day one.
$299$396
4×$74.75
- 20 Hour SAFE Comprehensive: Mortgage Fundamentals + e-Textbook
- 3-Hour TX-SML SAFE: Texas Law and Regulation
- RealEstateU National MLO Test Prep
- How to Succeed As An MLO
14 days
to complete your course
$0 hidden fees
credit banking fee included
100% online
instructor-led + self-study
72-hour refund
enroll risk-free
Licensed in four steps
The price you see is the price you pay
Other schools add an NMLS credit banking fee at checkout. Ours is already included — compare total prices, not advertised ones.
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Commonly Asked Questions on Getting Licensed in 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 Texas after these conditions are met.See the answer for every state
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.See the answer for every state
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.See the answer for every state
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.See the answer for every state
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.See the answer for every state
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-level mortgage loan originators understand that training and building a “pipeline” of business takes some time, so they may pay an initial salary.See the answer for every state