RMLO needed for less than 4 notes Texas?

[Logan Turner]

Reading up on all the Dodd frank and SAFE ACT, QM, ATR etc. Has my head spinning. I fall under the less than 4 note originated per year. But should I still be using an RMLO? If so where would I locate one? Ask title companies or real estate attorney?

[Linda Hastings]

Using an RMLO may also make it easier to sell the note later if you decide to.