Mortgage loan officers play a crucial role in home purchases, and there are specific legal procedures governing mortgage lending in Georgia that you need to know. Training ensures that MLOs understand not only the standard mortgage lending policies nationwide but also Georgia state laws, the SAFE Act, and consumer protection regulations. Students and MLOs with the right education and training can build a strong, compliant career in mortgage lending.
Meet the Basic Requirements:
- You must be at least 18 years old, have a high school diploma or equivalent, and complete a criminal background check, including fingerprinting and a credit check
Complete Pre-Licensing Education (PE):
Georgian law states that you must complete at least 20 hours of pre-license education before taking an MLO license exam.
- 3 hours of federal law
- 3 hours of ethics (including instruction on fraud, consumer protection, and fair lending issues)
- 2 hours of non-traditional mortgage lending
- 12 hours of electives, including state-specific content on Georgia’s laws and regulations
This coursework covers all aspects of mortgage lending, ensuring MLOs understand both national and Georgia-specific mortgage lending processes.
Pass the SAFE MLO Exam (National + Georgia Component):
To earn a mortgage loan officer license in Georgia, candidates must complete the required pre-licensing education and successfully pass the SAFE MLO exam. This exam consists of two parts: a national component and a Georgia-specific section. The test evaluates knowledge in mortgage origination, business ethics, federal and state regulations, as well as other mortgage-related topics essential for compliance and professional practice.
Apply for Your MLO License via NMLS:
After passing the SAFE exam, you can apply for your Georgia MLO license through the Nationwide Multistate Licensing System (NMLS). Some of the services that it includes are providing background check services, paying the right charges, and reporting your examination results and your education records.
Complete Annual Continuing Education (CE):
To renew your Georgia MLO license, you must complete eight hours of continuing education annually. This typically includes:
- 3 hours of federal law
- 2 hours of ethics
- 2 hours of non-traditional mortgage lending
- 1 hour of Georgia state-specific law. .
→ Read more: What is the highest salary for a mortgage loan officer?
Top Mortgage Loan Officer Training Programs in Georgia
Mortgage Educators and Compliance
- This program offers pre-licensing courses and continuing education courses designed specifically to meet Georgia MLO requirements. They offer web-based and online courses that can be undertaken even through live webinars, making it good for professionals.
OnCourse Learning (formerly Career WebSchool)
- With catalog products, OnCourse Learning is a well-known training entity with its catalog of pre-licensing and continuing education for Georgia MLO applicants and working professionals. Their courses comprise material that has activities, sample tests, and case studies.
Kaplan Real Estate Education
- Kaplan currently provides a full suite of NMLS-required continuing education, pre-licensing, and professional development courses, encompassing the 20-hour pre-licensing course for Georgia MLOs. Their online and self-paced courses mean that it is possible to undertake the training at any one’s own convenience.
Loan Factory Training Programs
- For those seeking real-world, in-depth experience, Loan Factory offers training programs that include system orientation, mortgage knowledge, and loan origination strategies. While not exclusive to Georgia, it provides practical insights applicable across state lines.
Georgia Mortgage Bankers Association (GMBA)
- Some of the useful training offered by the GMBA includes certification courses, seminars, and other special training for mortgage professionals in Georgia. These courses are centered on the legal requirements, rules, and guidelines of the state and the best practices in mortgages.
Go Beyond Licensing with Loan Factory
Earning your license is the first step. Building a successful career is the next step.
While the programs above offer excellent foundational education, Loan Factory offers practical, hands-on training that transforms licensed MLOs into top-producing professionals. Our programs focus on real-world applications, including:
- Access to a Broad Lender Network: Learn how to leverage relationships with over 240 authorized lenders to find the perfect product for every client.
- System and Technology Mastery: Training on the industry's leading software to efficiently manage your loan pipeline from application to closing.
- Effective Origination Strategies: Learn proven techniques for building a client base and providing solutions that meet their unique financial needs.
To become a successful mortgage loan officer in Georgia, you need dedication, a solid education, and a commitment to continuous improvement. At Loan Factory, we provide ongoing support, lender access, and advanced training to help you thrive in this dynamic industry.
Who is Loan Factory?
At Loan Factory, we operate as a leading mortgage brokerage. We believe that the best loan officers are built through a combination of foundational knowledge and practical, real-world skills. Our mission is to empower MLOs with the tools, technology, and in-depth training they need not only to get licensed but also to build a thriving, compliant career in today’s competitive market.
→ Read more: Top Digital Mortgage Platform in US 2025 – Loan Factory
Ready to launch your mortgage loan officer career and unlock your full potential?
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Discover the Loan Factory difference today. Visit our career page at www.loanfactory.com/en/loan-officer or call us at (714) 591-8143 to learn more about our all-in-one platform and mortgage career opportunities.
