Physical Office Requirement States


The follow states require a physical office to obtain a license also known as a brick’n’mortar. Some states have ways around the physical office requirement such as obtaining the lender license or HUD approval and maintaining a higher net worth or surety bond. Some states do not have any solution but to open a physical office in the state. Contact Us for assistance or go to the page for the particular state you are interested in for details.

Alabama – Mortgage Broker License – Eliminated as of 8/21/09
Arizona
Georgia – Mortgage Broker License (If your home state is in a brick’n’mortar state)
Hawaii
Missouri
Montana – Mortgage Broker License – Eliminated as of 8/1/09
North Carolina – Mortgage Broker License – Eliminated as of 2017
New Jersey – Eliminated 1/1/10
Nevada
Ohio – Eliminated 3/23/18
Oklahoma – Mortgage Broker License – Eliminated 2010
Pennsylvania – Eliminated 8/1/09
South Carolina – Mortgage Broker License – Eliminated 2017
Texas – Mortgage Broker License