Every Set of Keys Has a Story. You Could Be Part of It.
Mortgage loan originators guide buyers through one of the biggest financial decisions of their lives, and earn real money doing work that actually matters.
See Your Potential Earnings as a Mortgage Loan Officer
Curious about what it’s like in mortgage?
Get real insights and sweet deals on getting licensed.
How to Become an MLO
1. Complete Pre-Licensing Education
Federal law requires 20 hours of NMLS-approved coursework. Some states require additional hours beyond that.
2. Pass the SAFE MLO Exam
A national test covering federal lending laws and practices, plus a state-specific component. Prep materials make a difference.
3. Get Sponsored by a Lender or Broker
You can't originate loans solo. You'll work under a licensed company while you build your book of business.
4. Start Closing
Every funded loan is money earned and a family in a new home.
See Where You Match Up in the Mortgage Industry
A Career That Holds Its Value
- People always need homes. Rates rise. Markets shift. But housing doesn't stop, and neither does the need for someone to help finance it.
- Not a boom-or-bust job. When rates drop, refis surge. When rates rise, buyers still buy. Loan originators stay working either way.
- You're not starting from scratch. You're entering an industry that's been here for decades and isn't going anywhere.
- Your license opens options. Bank, credit union, mortgage broker, or independent. Full-time or flexible. You decide how you build.
Not Sure Where to Start? We’ve Got You.
What Career Options Open Up After Getting Your Mortgage License?
Your mortgage license represents the beginning of your career journey, not the destination. Whether you're drawn to direct client interaction, behind-the-scenes processing, or leadership positions, the mortgage industry offers paths that align with your interests and strengths.
How Do I Schedule and Pass My Texas NMLS Exam?
You've completed your pre-licensing education and you're ready to take the next crucial step: passing the NMLS exam. This comprehensive guide walks you through both the scheduling process and proven strategies to pass on your first attempt, saving you time, money, and stress.
Your First 30 Days as an MLO: What to Expect After You’re Licensed
You did it! You’re officially a licensed mortgage loan originator! After all the studying, exams, and determination, you’re finally stepping into one of the most dynamic and opportunity-rich fields out there.