Texas Mortgage Loan Originator Requirements.
Mortgage Education Requirements
This information is intended to provide answers to commonly asked questions. It is not intended to replace detailed information found in your state's statutes and regulations. Though we have made reasonable efforts to ensure that the information given is reliable and current, we cannot guarantee that it is. For more information please take advantage of the resource links below.
Special Notice Regarding NMLS ID Numbers
All MLOs need to have a unique NMLS ID number in order to have their course completions recorded in NMLS. You may obtain your NMLS ID Number and find other important information in the NMLS resource center.
Click here to visit the NMLS resource center.
Mortgage Loan Originators Licensure Quick Facts
All existing Texas Mortgage Loan Originators and new MLOs must:
• Register with the NMLS and obtain a unique ID Number
• Successfully complete an NMLS approved 20-hour pre-license course, (as well as 3 hours of Texas state-specific for the TX-SML).
• Pass an NMLS administered national exam to qualify for licensure.
Cape will report CE credits to the NMLS within 5 business days of successful completion of the course final exam. We MUST have your NMLS number in order to report your completion (see "Register with the NMLS" above).
For information regarding pre-licensing and continuing education requirements and deadlines, the NMLS mandates the following for Texas:
NMLS requirements for Texas - OCCC
NMLS requirements for Texas - SML
CE Webinars: NMLS requires continuing education webinar classes to be attended from a computer, laptop, or tablet. Cellular devices are not allowed. It is also required that your webcam be on and you be visible during class.
Regarding LATE CE:
We ask that MLOs please verify your need for LATE CE credits before completing a LATE CE course. You can find your education record on your NMLS account. This displays the MLO's entire education history and tracks federal and state education requirements by year. If an MLO does not have a CE requirement for a specific year, the record will display "No Federal CE Requirement" or "No State CE Requirement." If an MLO does not have a federal or state CE requirement, they should not complete a Late CE course. Additionally, if an MLO has a previous year CE requirement, it is only for the last year in which they were previously licensed with that agency. Note that some MLOs who have not been licensed for three or more years may be required to retake PE instead of completing Late CE (see the State-Specific Education Charts for details). Information about how to view the course completion record is available here: Course Completion Records
If you are having trouble using NMLS or need assistance in using it, phone the NMLS Call Center at (855) 665-7123.
Nationwide Mortgage Licensing System
State Regulatory Registry, LLC
1155 Connecticut Ave. NW
Washington, D.C. 20036-4307
NMLS resource center
Cape School, Inc.
P.O. Box 9
Buckingham, VA 23921
Or email us