To be eligible to receive a license under this chapter, a person must:
(1) at the time of application:
(A) be at least 18 years of age; and
(B) be a citizen of the United States or a lawfully admitted alien;
(2) satisfy the commission as to the applicant's honesty, trustworthiness, and integrity;
(3) demonstrate competence based on an examination under Subchapter I; and
(4) complete the required courses of study, including any required qualifying real estate courses prescribed under this chapter.