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Mortgage Banking

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http://www.dcccd.edu/mortgage
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Are you drawn to the orderly world of numbers but still want a career that involves people? Do you enjoy problem-solving, analyzing information and working as part of a cooperative team?

Whether you’re a new college student looking for an interesting and challenging career path or a mortgage broker or loan officer needing to earn or renew your license, North Lake College’s Mortgage Banking program will give you the edge that you need to succeed in this competitive but rewarding field.

North Lake College is the only college of the DCCCD and one of the few community colleges in the nation to offer an associate degree program in Mortgage Banking.

Get started in Mortgage Banking today!

Ours was the first Mortgage Banking associate degree program created in the country and remains the oldest fully accredited program in the U.S. Created in 1991, the program was the result of requests from industry leaders to provide specialized education for entry- and higher-level positions in the mortgage-lending field.

North Lake’s Mortgage Banking program can prepare you for a career in:

  • Mortgage banking
  • Mortgage brokerage
  • Loan originating, processing, servicing or collection
  • Real estate finance
  • Property management
  • Real estate sales
  • Retail banking
  • Secondary marketing
  • Warehousing

Even if you’re not considering a professional career in the finance industry, our courses in Mortgage Banking and related programs can help you manage your own money and gain financial stability.

Start with our Personal Finance Course!

Whether you’re considering a finance- or business-related career or just want to get a handle on your own finances, get your feet wet with our Personal Finance (Business 1307) course! It’s part of the new Core Curriculum Tier One Core Foundations that can be used to fulfill the Wellness and Human Experience component area requirement (CB090) as designated by the Texas Higher Education Coordinating Board. Core courses are guaranteed to transfer to Texas public four-year universities.

With Personal Finance, you can learn about a variety of financial services careers and get a feel for the specific type of career that may fit your interests. While the course is not listed as an official prerequisite for the new Financial Services Professional Certificate, it is recommended as a good starting point. If you change your educational plans along the way, the Personal Finance course can also serve as an elective for business majors.

Mortgage Banking Degree and Certificate Options
North Lake College

  • The Mortgage Banking Associate in Applied Sciences Degree provides in-depth training in the field of mortgage banking. Specific technical skills include instruction in how to originate, process and manage mortgage loans. Other relevant areas include real estate, planning and organization, problem solving and decision making, communication, accounting and business skills. This degree can be completed in two years by a full-time student but may take longer if you are also working.
  • The Financial Services Professional Certificate is a two-semester award that prepares students for jobs in banking, mortgage lending and servicing, retail credit and collections, finance, insurances, real estate and stock brokerage. Its primary focus is on developing a life-term financial plan and evaluating various investments.
  • The Designate Certificate can be completed in three semesters.
  • The Intern Skills Achievement Award provides the skills and knowledge to obtain an entry-level position.

Financial Services Professional Certification

Start your journey towards becoming a successful financial service professional with our Financial Services Certification program. Professionals with years of experience in the finance industry teach courses such as:

  • Introduction to Financial Advising (BUSG 1304)
  • Principles of Real Estate (RELE 1301)
  • Mortgage Lending (BNKG 1353)
  • Money and Financial Matters (BNKG 1340)
  • Selling Bank Products (BNKG 1251)

Earn or Renew a Texas Mortgage Broker or Loan Officer License

The Texas Department of Savings and Mortgage Lending, an agency of the Finance Commission of Texas, regulates licensure of mortgage brokers and loan officers doing business within the state.

In Texas, a mortgage broker is defined as any individual who receives an application from a prospective borrower to attempt to obtain a mortgage loan. Licensing became effective under the Mortgage Broker License Act (MBLA) of 2000. All licensed mortgage brokers and loan officers in Texas must be also be registered with the National Mortgage Licensing System as well as any of those wishing to pursue a license in Texas.

Real estate brokers and salespeople are not exempt from the MBLA. If you are brokering first lien mortgage loans, you must apply for and establish that you meet all of the multiple criteria for a mortgage broker license. Under the statute, a real estate broker’s license fulfills the experience requirement, but a real estate sales license does not.

If you are not currently licensed as an active real estate broker in Texas (for instance, if you are licensed in another state or your Texas license has lapsed), you would not meet the experience requirement for a Texas mortgage broker license.

As of June 20, 2010, the following course met the initial education requirements that everyone must complete to obtain a license:

  • RELE 1324 Loan Origination and Quality Control 

To renew a mortgage broker or loan officer license, continuing education courses are required over the two-year license period. The following course met those requirements as of June 20, 2010:

  • BNKG 1170 Mortgage Ethics

Contact program coordinator Keith Baker at 972-273-3467 for more information about these courses or about other changes in approved pre-licensing or relicensing continuing education courses.

Convenient Options for Busy Professionals

For busy professionals who want course knowledge without the pressure of earning grades, North Lake also offers Mortgage Banking classes as concurrent Continuing Education classes.

Too busy to attend class on campus? All Mortgage Banking courses are offered online at some point during the academic year. You could earn your entire degree or certificate online!

Contact program coordinator Keith Baker at 972-273-3467 for more information.

Other Degree and Certificate Options

Together, the colleges of the Dallas County Community College District offer nearly 350 career and technical degrees and certificates, plus more than 50 academic degrees. For more information, see a chart of our degree plans by location or visit our credit programs home page.