.png "How to Become a Mortgage Loan Officer in Georgia (updated Guide)")
How to Become a Mortgage Loan Officer in GeorgiaIf you're ready to begin a rewarding career helping people achieve homeownership, becoming a mortgage loan officer (MLO) in Georgia is a great opportunity. Whether you’re new to the mortgage industry or transitioning from another career, the process is structured, accessible, and well-supported—especially if you follow the right path.
In this guide, you’ll learn how to become a mortgage loan officer in Georgia, what makes Georgia’s licensing requirements unique, how they compare to other states, and why starting your career with Loan Factory could be the smartest move you make.
A mortgage loan officer helps clients secure home financing, whether they’re buying, refinancing, or investing. MLOs guide borrowers through the mortgage process—from application to closing—while ensuring compliance with federal and state regulations. Because of their role in handling sensitive financial information and matching borrowers with loan products, MLOs must be licensed through the Nationwide Multistate Licensing System (NMLS).
Step-by-Step: How to Become a Mortgage Loan Officer in Georgia
Steps to Become a Mortgage Loan Officer in GeorgiaHere are the exact steps required in 2025 to get licensed in Georgia:
1. Meet Basic Eligibility Requirements
2. Complete 20 Hours of NMLS-Approved Pre-Licensing Education
Georgia follows the federal SAFE Act minimum of 20 hours, broken down as:
Tip: Choose a provider that offers Georgia-specific elective content to better prepare for compliance.
3. Pass the SAFE MLO Exam
The SAFE test includes:
- 125 multiple-choice questions
- A passing score of 75%
- Time limit: 190 minutes
- Fee: $110
(Source: NMLS Resource Center)
4. Submit Your NMLS Application
You’ll apply for your Georgia MLO license through the NMLS system by:
- Submitting the MU4 form
- Authorizing a credit report and background check
- Uploading education and test results
- Paying licensing fees (~$330–$400)
5. Obtain Sponsorship from a Licensed Employer
- Your license won’t become active until you are sponsored by a licensed mortgage company in Georgia. Additionally, Georgia requires your sponsoring employer to maintain an approved office location within the state.
(Source: Georgia DBF – MLO Requirements)
6. Maintain and Renew Your License Annually
To keep your license active:
- Complete 8 hours of continuing education (CE) annually
- CE must include 1 hour of Georgia-specific mortgage law
- Submit CE by October 31 each year (late CE incurs a $100 fee)
(Source: OnCourse Learning – Georgia License Renewal)
How Long Does It Take to Become an MLO in Georgia?
You can typically complete the licensing process in 4 to 8 weeks, depending on how quickly you complete your education, exam, and sponsorship.
Step | Time Estimate |
Education | 1–2 weeks |
Test prep & SAFE exam | 1–2 weeks |
Application & background checks | 2–3 weeks |
Sponsorship approval | 1 week |
→ Read more: Mortgage Loan Officer Training in Georgia: A Comprehensive Guide
What Do Mortgage Loan Officers Earn in Georgia?
According to the U.S. Bureau of Labor Statistics, the average annual salary for MLOs in Georgia is approximately $77,000, with many loan officers earning $100,000+ through commissions.
Experience Level | Annual Income Range |
Entry-Level (0–1 yr) | $45,000–$65,000 |
Mid-Level (2–4 yrs) | $65,000–$90,000 |
High Performer | $100,000–$200,000+ |
Income depends on volume, loan types, employer structure, and how effectively you market yourself.
Why Choose Loan Factory as Your Launchpad?
Starting your career at the right company can fast-track your success. At Loan Factory, we’ve created the most loan officer-friendly platform in the industry.
Here’s what you get as a new MLO with Loan Factory:
- Free weekly training directly from Thuan Nguyen, the #1 loan officer in the U.S
- Access to +240 lenders, allowing you to close nearly any loan type—residential, commercial, land, DSCR, or chattel.
- Free tech platform (MOSO) to automate and simplify every step of the loan process
- 100% commission minus a flat fee of $595 per closed loan
- No desk fees, no monthly fees, no minimum production requirements
- Company-generated leads in 42 states, including Georgia
- Referral bonuses up to $5,000 per loan officer you bring in
With the right support, training, and technology, new loan officers at Loan Factory often ramp up faster and with less overhead than at traditional lenders.
→ Read more: Loan Factory: Best Free CRM for Mortgage Loan Officers
Ready to Start?
Becoming a mortgage loan officer in Georgia is more accessible than ever. Whether you're brand new or transitioning from another field, following the right steps—and choosing the right company—can position you for long-term success.
To get started with discounted licensing training and learn more about the Loan Factory platform, visit: www.loanfactory.com/becoming-a-loan-officer
Join Loan Factory in Georgia Have questions about licensing, training, or what it’s like to work with us?
Frequently Asked Questions (FAQs): Become a Mortgage Loan Officer in Georgia
How long does it take to get a mortgage license in Georgia?
