Real Estate License from Maryland to Tennessee: Does It Transfer? (2026)
Last verified: 2026-07-21 · source: Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance ↗
A real estate license transfers from Maryland to Tennessee by endorsement — there is no automatic reciprocity, but you do not start over. Apply to the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance, verify your Maryland license, and meet Tennessee's endorsement requirements. Tennessee offers no reciprocal license, but a holder of an active out-of-state real estate license may qualify under Tennessee statute to substitute their real estate education, the national portion of the examination, and/or their experience for Tennessee's requirements; the Tennessee (state) portion of the PSI exam is still required.
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Verdict
Licensure by endorsement
Tennessee publishes no agreement covering Maryland, but it does evaluate out-of-state licensees individually — so this move runs on Tennessee's endorsement judgment rather than a guarantee. The requirements below are what the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance commits to in writing; for anything discretionary (exam waivers, education credit), get the commission's answer in writing before you rely on it.
What changes, Maryland → Tennessee
| Maryland (current) | Tennessee (destination) | |
|---|---|---|
| Training hours | 60 | 90 |
| Application fee | $98 (Original salesperson license fee is $98 (includes a $20 Guaranty Fund payment); the reciprocal salesperson application draws on the same statutory fee schedule. Certificate of License History costs $28 (5-year) or $84 (full).) | $91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply) |
| Processing time | 2–3 weeks (Board states to allow 10-12 business days to process an Out-of-State License Recognition (waiver) request before exam registration; reciprocal (PA/OK) license issuance timing is not separately published.) | Commission does not publish a processing-time estimate |
| Licensing authority | Maryland Real Estate Commission (MREC), Maryland Department of Labor - Division of Occupational and Professional Licensing | Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance |
The destination column is what you must satisfy — Tennessee sets the rules for this move.
Step by step
- Confirm Tennessee's current requirements on the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance website (linked below) — rules change.
- Submit the endorsement application to the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance (application linked below).
- Arrange license verification from your current state.
- Complete a 60-hour real estate principles/fundamentals course plus the 30-hour Course for New Affiliates (may be substituted for a qualifying out-of-state licensee).
- Pass the PSI licensing examination (Tennessee state portion required).
- Provide proof of errors and omissions (E&O) insurance and proof of high school graduation.
- Complete the Eligibility for Entitlements Verification form.
- Complete an electronic fingerprint-based TBI/FBI background check (ORI# TN920784Z, service code 28TZ99).
- Application must be signed by your Principal Broker.
- Pay the fees ($91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply)) and allow Commission does not publish a processing-time estimate.
Official links
Related guides
Frequently asked questions
Does Tennessee accept a Maryland real estate license?
A real estate license transfers from Maryland to Tennessee by endorsement — there is no automatic reciprocity, but you do not start over. Apply to the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance, verify your Maryland license, and meet Tennessee's endorsement requirements. Tennessee offers no reciprocal license, but a holder of an active out-of-state real estate license may qualify under Tennessee statute to substitute their real estate education, the national portion of the examination, and/or their experience for Tennessee's requirements; the Tennessee (state) portion of the PSI exam is still required.
Which exams will I take moving from Maryland to Tennessee?
Tennessee offers no reciprocal license, but a holder of an active out-of-state real estate license may qualify under Tennessee statute to substitute their real estate education, the national portion of the examination, and/or their experience for Tennessee's requirements; the Tennessee (state) portion of the PSI exam is still required.
What does the move cost?
$91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply) (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply).
Can I keep selling in Maryland after I'm licensed in Tennessee?
Yes — real estate licenses stack. Keep the Maryland license active (renewals and CE continue separately) and you hold both; many border-market agents do exactly this.
Sources
Primary sources only — official boards and compact commissions. Data last verified 2026-07-21.
- TN Real Estate Commission - Renewal, Reciprocity & Other Resources ↗ (accessed 2026-07-21)
- TN Real Estate Commission - Affiliate Broker Licensure (requirements) ↗ (accessed 2026-07-21)
- Maryland MREC - Apply for a Reciprocal License (Pennsylvania and Oklahoma Licensees ONLY); terms and reciprocity FAQ under Title 17-3A ↗ (accessed 2026-07-21)
- Maryland MREC - Out-of-State License Recognition (Waiver) process for all other states ↗ (accessed 2026-07-21)
- Maryland MREC - Forms and Fees (Salesperson License Original $98 incl. $20 GF) ↗ (accessed 2026-07-21)
- Maryland MREC - Exams (salesperson exam consists of a national portion and a state portion) ↗ (accessed 2026-07-21)
- Md. Code, Business Occupations & Professions 17-303 (basic real estate course not more than 60 clock hours for salesperson) ↗ (accessed 2026-07-21)
Reviewed by Billy Reiner, Editor · verified against primary sources 2026-07-21
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