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Texas Mortgage Broker Bond

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Bond Type
$50,000(Retired) Mortgage Broker Bond

A Guide to Surety Bonds for Mortgage Professionals is legally licensed to issue mortgage industry surety bonds in all 50 states. Whether you’re a mortgage professional in Georgia, Florida, California or Nevada, we can bond you.

Mortgage lenders, brokers, servicers and loan originators in most states are required to purchase a surety bond before they can be legally licensed. Our team of surety experts have developed this quick and easy guide to bonding for mortgage professionals.

Types of Mortgage Licenses

There are four common types of mortgage licenses that often require the licenseholder to have a surety bond: mortgage brokers, mortgage lenders, mortgage originators, and mortgage servicers.

  • Mortgage Broker: Mortgage brokers bridge the gap between borrowers and lenders, but they do not originate mortgages. They get the necessary paperwork together for borrowers and submit it to a lender for approval or denial.
  • Mortgage Lender: Lenders provide funds to a borrower for a mortgage with the assumption the money borrowed will be repaid to the lender
  • Mortgage Originator: Mortgage originators are the original mortgage lender and work with borrowers to complete a loan.
  • Mortgage Servicer: Mortgage Servicers are responsible for managing loans and processing payments on loans.

How much do mortgage license surety bonds cost?

The costs and requirements of bonds for mortgage brokers, lenders, servicers and originators vary across all states because the bond amounts and licensing are established at the state level. For example, a mortgage lender or servicer bond in California is set at $50,000 for all lenders/servicers operating in the state, whereas a New York mortgage loan originator bond amount ranges from $10,000 to $100,000 because it’s based on the loan volume of the originator.

Pay a Low Rate for Your Mortgage License Bond

Qualified mortgage professionals who work with typically pay a premium of just 1-3% of their bond amount. For instance, mortgage lenders in Oregon needing a $50,000 surety bond could pay just $500 for a full year! We also offer an exclusive Premium Financing Plan, allowing qualified applicants to break up their bond premiums into smaller, more feasible payments.

Mortgage Bonds Protect Consumers

Surety bonds protect consumers from fraud and other wrongful practices committed by mortgage professionals. Depending on a bond form’s specific contractual language, customers could receive financial compensation if a mortgage professional engages in practices that violate the terms of the bond, resulting in financial harm for the consumer. Examples of such activities include a mortgage broker or lender who knowingly approves the borrower for a loan costing more than he or she can afford to repay or encourages the buyer to commit fraud during the application process.

Get Your Bond Fast

Are you in a rush to get your bond? can help. Apply for your bond now, and we’ll give you a free, no-obligation mortgage broker bond price quote within one business day — guaranteed!

As soon as your payment is processed, we’ll issue your bond. You’ll receive a copy of your bond immediately via email and we’ll upload the original to the NMLS website. If your state has not yet converted to electronic surety bonds with NMLS, the original bond form will be mailed directly to you. Do you need your bond ASAP? We offer overnight shipping!

Learn More About Surety Bonds for the Mortgage Industry

Laws regulating mortgage professionals vary by state. Some states have bonding requirements applicable to all mortgage professionals, while others have specific requirements that vary by profession. To determine whether you need to purchase surety insurance, contact the government agency regulating mortgage professional licensing in your state.

Call 1 (800) 308-4358 to talk with a Surety Expert