Georgia Pre-license Training and Course Requirements

Get an understanding of mortgage lending and insurance state licensing and continuing education requirements

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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:

  1. Complete a Criminal Background Check (CBC).
  2. Authorize a credit report through the NMLS that demonstrates financial responsibility.
  3. Fulfill all state and federal education requirements as designated by Georgia.
  4. Take and pass a National Test.
  5. 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

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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

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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:

Note: Pre-licensure education will expire after three years without a valid mortgage loan originator license or federal registration.

NMLS Resources: