How to Become a Mortgage Loan Originator in Fort Worth, Texas

If you’re interested in a career as a Mortgage Loan Originator (MLO) in Fort Worth, Texas, you’re stepping into a profession that plays a crucial role in helping people achieve homeownership. As an MLO, you’ll guide clients through the mortgage process, helping them secure financing for their homes. This career offers excellent earning potential, flexibility, and the satisfaction of assisting individuals in one of the most significant financial decisions of their lives.

How to Become a Mortgage Broker in Fort Worth, Texas
Fort Worth’s real estate market is booming, with a growing demand for home loans

Step-by-Step Guide to Becoming an MLO in Fort Worth, Texas

 

Step 1: Meet the Basic Requirements

To become a mortgage loan originator in Texas, you must meet these fundamental criteria:

  • Be at least 18 years old
  • Have a high school diploma or GED
  • Pass a background check and credit check
  • Be a legal U.S. resident

 

Step 2: Complete the Required Pre-Licensing Education

Texas follows the Nationwide Mortgage Licensing System & Registry (NMLS) requirements for licensing. You must complete 20 hours of pre-licensing education (PE) from an NMLS-approved provider.

This coursework covers:

✔️ Federal mortgage laws

✔️ Ethics and consumer protection

✔️ Lending standards and non-traditional mortgage products

3 additional hours of Texas-specific coursework is also required, so ensure your course provider meets Texas-SML (Texas Department of Savings and Mortgage Lending) regulations.

Step 3: Pass the National SAFE MLO Test

After completing the required education, you must pass the SAFE Mortgage Loan Originator Test with a score of at least 75%. This exam consists of:

 

  • 125 multiple-choice questions
  • A time limit of 190 minutes
  • Topics including federal law, ethics, loan origination activities, and general mortgage knowledge

You can register for the exam through the NMLS website and take it at an approved testing center through Prometric.

 

Step 4: Submit Your MLO License Application

Once you pass the SAFE MLO test, you need to apply for your Texas MLO license through the NMLS. You’ll need to:

✅ Submit an MU4 application through the NMLS portal

✅ Pay the required fees

✅ Authorize fingerprinting and a background check

✅ Pass a credit check (A poor credit history won’t automatically disqualify you, but serious issues may require explanation)

 

Step 5: Get Sponsored by an Employer

In Texas, MLOs must work for a licensed mortgage company or financial institution. Your employer must sponsor your license through the NMLS before you can start originating loans.

Once your employer sponsorship is approved, you are officially licensed to work as an MLO in Fort Worth and across Texas!

 

Step 6: Maintain Your License Annually

To keep your MLO license active, you must complete 8 hours of continuing education (CE) every year, covering:

  • Federal mortgage laws
  • Ethics and consumer protection
  • Non-traditional mortgage lending

Renew your license before December 31st each year to remain in compliance.

 

Why Become a Mortgage Loan Originator in Fort Worth?

Fort Worth’s real estate market is booming, with a growing demand for home loans. As an MLO, you can enjoy:

✔️ High earning potential (commission-based income)

✔️ Flexible work schedule

✔️ Job security in a thriving industry

✔️ The satisfaction of helping people buy homes

If you’re ready to start your journey as an MLO in Fort Worth, begin by enrolling in an NMLS-approved pre-licensing course and take the first step toward a rewarding career in mortgage lending!

Do you have any questions about becoming an MLO in Texas? Call our support team today at (888)405-4453

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