Just confirmed with the State of Texas regarding education requirements. Depending on wheatear you currently hold or have held a mortgage broker or loan originator license in the State of TX the below will apply. Keep in mind that we are dealing with the state and they can make any changes at any time. * If an LO has never been licensed in Texas he or she will have to take the 20 hours of pre-licensing and pass both the National and State components. * If an LO has been licensed as a Texas residential mortgage broker or loan officer at some point, you will not be required to take the State component test if you took the state exam to get your broker or loan officer license. * If the license is still active or inactive (NOT EXPIRED) you will not be required to take the 20 hours of pre-licensing training if you took and reported to the state at least 20 hours of training related to the mortgage industry.