Real Estate License from Montana 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 Montana 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 Montana 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 Montana, 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, Montana → Tennessee
| Montana (current) | Tennessee (destination) | |
|---|---|---|
| Training hours | 70 | 90 |
| Application fee | $80 ($80 application fee; separate Pearson VUE examination fee paid to the test vendor) | $91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply) |
| Processing time | Board of Realty Regulation does not publish a processing-time range | Commission does not publish a processing-time estimate |
| Licensing authority | Montana Board of Realty Regulation (Department of Labor & Industry) | 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 Montana real estate license?
A real estate license transfers from Montana 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 Montana 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 Montana 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 Montana after I'm licensed in Tennessee?
Yes — real estate licenses stack. Keep the Montana 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)
- MT Board of Realty Regulation — Real Estate Salesperson license information ↗ (accessed 2026-07-21)
- MT Board of Realty Regulation — Real Estate Salesperson Licensing Requirements & Application Checklist (Updated 11/2025; Out-of-State Licensee/Waiver Process; $80 fee; 70-hour pre-licensing) ↗ (accessed 2026-07-21)
Reviewed by Billy Reiner, Editor · verified against primary sources 2026-07-21
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