Hello, Texas Mortgage Loan Originator.
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.
NMLS has a new and improved login experience that requires action the first time you login. We strongly encourage you to log in to NMLS before Nov. 1st to ensure your account is up to date when you start the renewals process.
Log in to NMLS today and complete the new login process!
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.
Credit Reporting
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).
Education Requirements
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
Contact Information:
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
Fifth Floor
Washington, D.C. 20036-4307
NMLS resource center
Contact Cape:
Cape School, Inc.
P.O. Box 9
Buckingham, VA 23921
Phone: 800-769-1974
Fax: 888-303-1828
Or email us
Want to become a Texas Mortgage Loan Originator?
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Your purchase includes:
Our NMLS-approved 20-hour SAFE Comprehensive Principles of Mortgage Lending course satisfies the national pre-license educational requirements for mortgage loan originators as defined by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). Cape School’s NMLS Provider ID is #1400105.
Although this course is required for all MLOs (includes UST material), it DOES NOT cover any state-specific content requirements. Please check the NMLS state requirements page to see if state-specific content is needed. State-specific courses are available in some states.
3 Hour TX SAFE: Guide to Texas Mortgage Law (Approval #11082) is designed to satisfy the NMLS Texas Law licensing education requirement. Upon successful completion of this course, you will have a strong understanding of Texas mortgage laws and regulations. This course is required for MLOs licensed in Texas.
Generate unlimited practice exams to prepare for the NMLS licensing exam. Includes over 500 national exam questions.
Provides a series of slides which are accompanied by audio explanations of all exam topics.
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Hard copy textbook covering the content of the 20-hr SAFE Comprehensive course.
* Enter code SAVE20 at checkout. Special offers/coupons or separate promotions may not be combined. If you have any questions, please contact Cape School.
How do the courses work?
The 20-Hour SAFE Comprehensive Principles of Mortgage Lending course does NOT include any state-specific requirements.
Please check the NMLS state requirements page to see if state-specific content is needed. State-specific courses are available in some states.
