Georgia Mortgage License Requirements
Learn about the Georgia mortgage education requirements for mortgage licensing.
In the state of Georgia, mortgage loan originators are required to:
- Complete a Criminal Background Check (CBC).
- Authorize a credit report through the NMLS that demonstrates financial responsibility.
- Fulfill all state and federal education requirements as designated by Georgia.
- Take and pass a National Test.
- Sponsored by a Georgia-licensed company.
Georgia NMLS Pre-Licensing Education Requirements:
New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This includes:
- 3 hours of federal law
- 3 hours of ethics
- 2 hours of non-traditional mortgage lending training
- 12 hours of electives
NOTE: Pre-licensing education must be completed within 3 years of new or subsequent license application
Georgia Continuing Education Requirements:
State-licensed MLOs are required to complete 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:
- 3 hours of federal law
- 2 hours of ethics
- 2 hours of non-traditional mortgage lending
- 1 hour of Georgia state-specific education
The deadline to complete annual CE is October 31st. Alert: GA may assess a $100 late fee outside of NMLS if CE is completed after October 31.
MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
Georgia Mortgage Licensing:
- Georgia Department of Banking and Finance
- Phone: 770-986-1136
- Email: NDFIDivision@dbf.state.ga.us or renewal@dbf.state.ga.us
- Website: dbf.georgia.gov
Note: Pre-licensure education will expire after three years without a valid mortgage loan originator license or federal registration.
NMLS Resources:
- Georgia MLO License Description Page
- Professional Standards: Mortgage Education
- Professional Standards: Criminal Background Check
- Professional Standards: Credit Report
- Professional Standards: MLO Testing