Texas, this is how you get licensed
Become a Mortgage Loan Originator in Texas with Aceable
Trusted Mortgage Pre-Licensing Education
- Flexible Learning Options
- Confidently Prepare for the NMLS SAFE Exam
- Get Licensed with the Texas Department of Savings and Mortgage Lending (TX-SML)
Choose Your Texas Pre-Licensing Course
Already have your national? Grab the 3-hour Texas law.
Need it all? The bundle gets you license-ready.
Texas Pre-License Course
3-Hour Texas Law Only
Online self-study format. Takes 3 hours to complete.
Note: Basic package is only for students who've already completed the 20-hour national requirement.
National + Texas Basic
20-Hour National + 3-Hour TX Pre-License Course
Includes 20-Hour SAFE/TX State Course with live, online webinar.
†, or 4 interest-free payments of $101.75 with 
†† National + Texas Premium
20-Hour National + 3-Hour TX Pre-License Course
Includes the Basic package plus PREP-to-PASS MLO exam prep.
†, or 4 interest-free payments of $103.75 with †† 3-Hour Texas Pre-License Education
Online Self-Study Format
Study at your own pace
Meets TX State-Specific Requirement
Satisfies Texas state licensing requirements. NMLS Course ID: 17813
Streamlined Course Design
Straightforward content built to keep you moving
20-Hour National Pre-License Education
Live, Instructor-Led Webinar
Schedule webinars after enrolling with weekday morning and evening sessions
20-Hour SAFE/TX National Course
Includes the required national pre-licensing education. NMLS Course ID: 4435
20-Hour SAFE Test Prep
Includes PREP-to-PASS National 20-Hour exam prep with targeted practice exams and instant grading.
State Only
State + National Basic
State + National Premium
Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures, see affirm.com/licenses.
See Klarna payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.
How to Get Your Mortgage License in Texas
1. Complete Your Pre-Licensing Education
Create your NMLS account, then complete your education. The Texas Department of Savings and Mortgage Lending (SML) requires 23 hours of NMLS approved education, including three hours on Texas law.
2. Schedule and Pass the SAFE MLO Test
Enroll in the SAFE MLO Test through NMLS when you’re ready. You need a 75% or higher to pass.
3. Apply for Your License
Submit your MU4 application to the SML through NMLS and pay your fees. The same filing authorizes your background check and credit report.
4. Complete Your Background Check
After you file, schedule your fingerprints through NMLS for the FBI background check. The SML reviews the results with your credit report.
5. Start Your Mortgage Career
Your license goes active once your employer sponsors you in NMLS. Then you’re ready to start originating loans across Texas.
Why Future MLOs Choose Aceable Mortgage
Made to Help You Ace the Exam
No fluff. Just proven strategies, simple lessons, and bite-sized content that sticks.
Learn Your Way! No Pressure, No Problem
Night owl or planner? We’ve got you. Learn at your pace or join live webinars.
Built by MLOs, for MLOs
Not your average course. Built by seasoned mortgage pros who’ve walked in your shoes.
Real Humans, Real Support
Stuck? Our real, live support team’s got you: fast answers, zero bots.
Want help getting started?
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Why Mortgage Students Trust Aceable
Top Questions About Your Texas Mortgage License
Who should select the Texas Pre-Licensing Education Bundle?
What is the difference between a TX SML and a TX OCCC mortgage license?
Is a Texas mortgage broker license the same as an MLO license?
Why does Texas require 23 hours of education instead of 20?
Do I need a degree or prior experience to get a Texas mortgage license?
What does day-to-day work look like as a Texas MLO?
How fast can I get licensed and start working in Texas?
When should I start continuing education after getting my Texas license?
What is PREP-to-PASS?
Is the 20-Hour National Course in the bundle live or self-paced?
Key Resources for Aspiring Mortgage Professionals
How Do I Become a Licensed Mortgage Loan Originator in Texas?
If you're ready to join this dynamic field, follow these six steps to become a licensed mortgage loan originator in Texas.
How Do I Schedule and Pass My Texas NMLS Exam?
This comprehensive guide walks you through both the scheduling process and proven strategies to pass on your first attempt.
Aceable Mortgage, formerly Real Estate Institute, is an NMLS-Approved Course Provider, #1400102