Florida Mortgage Broker License Guide

This guide will provide the informatin needed to fully understand how to become a mortgage broker in Florida, including the mortgage license requirements, necessary education and exams, mortgage broker bonds, and expected licensing fees.

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Types of Mortgage Broker Licenses in Florida

Florida Mortgage Brokers license types include the following:

  • Company
  • Individual
  • Branch License

You can read the full list of license types and descriptions on the NMLS. Mortgage brokers in Florida require a mortgage broker license to begin activities, and the Florida Office of Financial Regulation oversees state licensing.

State Requirements

To register as a mortgage broker in Florida, successful candidates will provide the right business documentation. For a company license, first, register your business with the Florida Division of Corporations. Individual and company licenses require a credit report check in addition to state and national background checks.

Florida Mortgage Broker Education and Exams

To become a mortgage broker in Florida, proof of high-school education, 20 hours of an NMLS approved pre-licensure course, and passing the NMHLS licensing test are all required.

Mortgage Broker Bonds

A $10,000 mortgage broker surety bond is required for the state to ensure the office is maintained.

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Broker Licensing Fees

A Mortgage Broker License in Florida requires a $425 application fee, $100 NMLS fee, $38.75 FBI criminal background check per individual. A Florida Mortgage Loan Originator License includes a $195 application fee, $30 NMLS fee, $36.25 FBI criminal background check fee, $24 state criminal background check fee. You may also include a credit report check for $15 per individual. Your license will also require an annual license renewal fee which can be reviewed on the NMLS site.

How to Get Your License: Step-By Step

  1. Set up an NMHLS Account: register online at the NMLS website to request an account.
  2. Complete Florida Pre-License Education: complete the 20-hour NMLS S.A.F.E pre-licensing course, including 2 hours of Florida content, and assignments required by The Office of Financial Regulation (OFR).
  3. Pass the NMLS Mortgage licensing exam: once the NMLS coursework is complete, use your NMLS account to schedule an appointment to take the National Test Component with Uniform State Content. The fee for the test is $110.
  4. Apply for your NMLS license: you can now apply for your broker license on the NMLS website as a company or individual, all fees are nonrefundable. Be sure to select the appropriate Florida License and finalize your application.
  5. Provide Required Information: you'll need to be prepared to provide fingerprints, state and national background checks, and a credit report.
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