GEORGIA LOAN OFFICER JOBS – Getting Started

The Department uses the Nationwide Multistate Licensing System (NGeorgia Loan Officers ) to manage all Mortgage Loan Originator (Georgia Loan Officer Jobs ) Licenses. All applications and changes to an Georgia Loan Officer Jobs license must be made through the NGeorgia Loan Officers .

Please review the Pre-requisites for a Georgia Georgia Loan Officer Jobs license to learn about the requirements that must be met before submitting a license request through the NGeorgia Loan Officers .   

The NGeorgia Loan Officers website lists licensing information and requirements and contains a checklist and instructions to ensure that you have submitted all required information and jurisdiction-specific documents to the Department for a complete application. These document is included with the applicable checklist and document instruction forms and must be uploaded in NGeorgia Loan Officers . Note: license requests without sponsors are incomplete applications and subject to administrative withdrawal.  Applicants should also familiarize themselves with the applicable Georgia Code Sections and Regulations. 

CRIMINAL HISTORY:  The Department verifies the criminal background of each applicant for a mortgage license.  Applicants must complete the FBI criminal background check authorization and fingerprinting process per NGeorgia Loan Officers instructions.  In addition, you must provide consent to the Department to access your background check using the GA Verification of Lawful Presence Affidavit & Consent Form.  Privacy Rights are included with the instructions to the form.  Please note, a criminal history increases the difficulty of making a favorable decision on an application.  Non-financial crime misdemeanors should not be problematic.  Convicted felons, including those that have pled guilty to a felony even if the felony charges were ultimately reduced, who do not provide documentation of the remedy provided for in O.C.G.A. § 7-1-1004(d)(2) (e.g. a pardon) will not be licensed.  O.C.G.A. § 7-1-1004 provides no time limit on felony convictions that prohibit licensure.  Omissions in either the Individual Form (MU4) or communications with the Department regarding criminal history are deemed to be a serious misrepresentation to the Department and can be the basis of a denial regardless of the nature or outcome of the arrest.  Note, applicants that fail to complete the criminal background check process, including authorization and fingerprinting, have not completed the application process and are subject to administrative withdrawal.

CREDIT HISTORY: Applicants should be aware of disqualifying factors concerning creditworthiness.  The Department does not qualify financial responsibility on a credit score, but looks at the Georgia Loan Officer Jobs applicant’s overall credit report. Judgments, child support in arrears, and other factors could result in the denial of licensure.  Tax liens, charge-offs or collection accounts, and foreclosures or short sales with a deficiency will also negatively affect Georgia Loan Officer Jobs licensing unless a payment plan is in place and at least 3 consecutive payments have been made prior to the application.  (Payment plans will be checked at renewal for continuation.)

• Q&A – GRMA and SAFE Act Applicability to Real Estate Brokers
• File a New Georgia Loan Officer Jobs Application through the NGeorgia Loan Officers  (links off-site to NGeorgia Loan Officers )
• Georgia Loan Officer Jobs Quick Guide for Submitting the Individual Form (MU-4) (links off-site to NGeorgia Loan Officers )
• Georgia-Specific Requirements and Checklist  (links off-site to NGeorgia Loan Officers )
• Mortgage Industry Frequently Asked Questions

Please note that the NGeorgia Loan Officers R federal registration process must be utilized if you are an employee of a bank, bank subsidiary or a credit union.  As required under federal law, residential mortgage loan originators employed by banks, savings associations, credit unions, or Farm Credit System institutions must register with the registry, obtain a unique identifier from the registry, and maintain their registrations.  Further information regarding the registry and the registration process is available at the registry’s website: http://fedregistry.nationwidelicensingsystem.org/Pages/default.aspx. 

GEORGIA LOAN OFFICER JOB RENEWALS

Georgia’s annual license/registration renewal period is between November 1 and December 1.  Late Renewals are permitted between December 2 and December 31.    Incomplete applications will be subject to expiration after December 31.

GEORGIA LOAN OFFICER JOB APPLICATIONS

Please refrain from calling the Department to ask for status updates regarding your application. We thank you in advance for your cooperation.

Before contacting the Department, please note the following:

If your application is incomplete, you will be sent an e-mail through NGeorgia Loan Officers outlining any deficiencies or requirements that are still needed to complete it.  It is imperative that your e-mail address in NGeorgia Loan Officers is accurate and that communications sent do not inadvertently get treated like Spam.  Your NGeorgia Loan Officers record will show your application with a Pending status until it is approved, regardless of whether we have all of your information. 

Information is available from the  NGeorgia Loan Officers Consumer Access website once the Department has taken action on an Georgia Loan Officer Jobs application (i.e., approved, denied, revoked, suspended, expired). If you conduct a search through NGeorgia Loan Officers Consumer Access and the Department HAS NOT acted on your application, the search will return a “No Match Found” response.

Georgia Loan Officer License Certificates

The Department provides license certificates required by O.C.G.A. § 7-1-1006 to approved licensees electronically
through its website. Licensees will receive instructions and log-in information to access the license certificate webpage
via e-mail from (noreply@dbf.state.ga.us) once the certificate is available on our website. If your license application is
approved, and you do not receive an e-mail from the Department within 2-3 business days, please check your SPAM
folder before contacting the Department. The Department will not send the email until your certificate is available on
our website.
Helpful Resources
 Individual Form (MU4) Filing Quick Guide
 License Status Definitions Quick Guide
 Disclosure Explanations – Document Upload Quick Guide
 State-Specific Education Chart
 Individual Test Enrollment Quick Guide
 Course Enrollment Quick Guide
Agency Contact Information
Contact the Non-Depository Financial Institutions Division (NDFI) licensing staff by phone at (770) 986-1136 or send your
questions via email to dbfmort@dbf.state.ga.us for additional assistance.
Department of Banking and Finance
State of Georgia
https://dbf.georgia.gov/

PREREQUISITES – These items must be completed prior to the submission of your Individual Form (MU4).
 GA Mortgage Loan Originator License Submitted via…

Pre-licensure Education: Prior to submission of the application, complete at least 20 hours of
NMLS-approved pre-licensure education (PE) courses.
Follow the instructions in the Course Completion Records Quick Guide to confirm that PE has
been posted to your record and the PE Total indicates “Compliant.”
Note: For reapplications, Georgia requires completion of CE in the last year the license was in
an approved status. O.C.G.A. § 7-1-1004(e)(5). Pre-licensure education will expire after three
years without a valid mortgage loan originator license or federal registration. Rule 80-11-5-
.04.
NMLS

Testing: Passing results on the National Test Component with Uniform State Content are
required.
Note: Unexpired passing results on both the National and Georgia State components of the
SAFE Test, or the National and Stand-alone UST components of the SAFE Test will also be
accepted.
Follow the instructions in the View Testing Information Quick Guide to confirm test results
have been posted to your record and indicate “Pass.”
NMLS
LICENSE FEES – Fees collected through NMLS are NOT REFUNDABLE OR TRANSFERABLE
 GA Mortgage Loan Originator License Submitted via…
 Georgia NMLS Initial Processing Fee: $30
GA Application and License Fee: $100 Credit Report: $15
FBI Criminal Background Check: $36.25 NMLS (FilingSubmission)
REQUIREMENTS COMPLETED IN NMLS – These items must be completed during or after the submission of your
Individual Form (MU4).
 GA Mortgage Loan Originator License Submitted via…
Submission of Individual Form (MU4): Complete and submit the Individual Form (MU4) in
NMLS. This form and the Georgia Mortgage Loan Originator Applicant Affidavit (jurisdictional
document) submitted via NMLS serve as the application for the license.
Note: Department communications with applicants are primarily via email or NMLS. Please
ensure that your email address provided on your MU4 and your NMLS account are valid.
NMLS notifications (including notifications of license items are sent to your NMLS account email address).
NMLS

REQUIREMENTS COMPLETED IN NMLS – These items must be completed during or after the submission of your
Individual Form (MU4).
 GA Mortgage Loan Originator License Submitted via…
Georgia Loan Officer Criminal Background Check: Authorization for an FBI criminal history background check to be
completed in NMLS. Convicted felons, including those that have pled guilty to a felony
even if the felony charges were ultimately reduced, who do not provide documentation of
the remedy provided for in O.C.G.A. § 7-1-1004(d)(2) (e.g. a pardon) will not be licensed.
O.C.G.A. § 7-1-1004 provides no time limit on felony convictions that prohibit licensure.
After you authorize the FBI criminal history background check through the Individual Form
(MU4), you must schedule an appointment to be fingerprinted.
See the Completing the Criminal Background Check Process Quick Guide for information.
Note: If you are able to ‘Use Existing Prints’ to process the FBI criminal history background
check, you DO NOT have to schedule an appointment. NMLS will submit the fingerprints
already on file and the background check will begin to process automatically.
NMLS
 Georgia Loan Officer Credit Report: Authorization for a credit report must be completed. Upon initial
authorization, you are required to complete an Identity Verification Process (IDV) within the
Individual Form (MU4). See the Individual (MU4) Credit Report Quick Guide for instructions
on completing the IDV.
Note: The same credit report can be used for any existing or additional licenses for up to 30
days.
NMLS
 Georgia Mortgage Loan Officer Company Sponsorship: A sponsorship request from your employer must be submitted. Your
sponsor must be a licensed or registered Georgia mortgage broker or lender with the
requisite surety bond coverage. GA will review and accept, reject, or mark deficient the
sponsorship request.
Note:
 The Mortgage Loan Originator will be covered under their sponsoring company’s surety
bond.
 If the applicant is not currently employed by a mortgage company that meets the
requirements, the application will be subject to withdrawal as incomplete.
 A mortgage loan originator shall not be sponsored simultaneously by more than one
mortgage broker, or mortgage lender licensed or registered under the Georgia
Residential Mortgage Act. NMLS
 Disclosure Questions: For each “Yes” response, provide an explanation and, if applicable, a
supporting document. See the Individual Disclosure Explanations Quick Guide and the
Disclosure Explanations – Document Upload Quick Guide for instructions.
Upload in NMLS
in the Disclosure
Explanations
section of the
Individual Form
(MU4)
Updated 11/12/2019 Page 6 of 6
REQUIREMENTS COMPLETED IN NMLS – These items must be completed during or after the submission of your
Individual Form (MU4).
 GA Mortgage Loan Originator License Submitted via…
 Employment History: The business address listed in the Employment History section of the
Individual Form (MU4) must match the address of the registered location in the Company
relationship.
NMLS REQUIRED DOCUMENT UPLOADS IN NMLS
 GA Mortgage Loan Originator License Submitted via…
 GA Jurisdictional Document:
Click here to download the Georgia Mortgage Loan Originator Applicant Affidavit
Instructions and Form
Upload the form in NMLS
See Individual Document Uploads Quick Guide for instructions.
NOTE: Applicants that fail to complete and upload a Georgia Mortgage Loan Originator
Applicant Affidavit will be considered incomplete and subject to administrative
withdrawal. This document is required regardless if it has been submitted for a prior or
current application.
Upload (the 2-
page form) in
NMLS under
Document Type
Legal
Name/Status
Documentation in the Document Uploads section.
Do not upload instructions and privacy rights.
 Credit Report Explanations: Any credit report filed with this Department containing tax liens,
judgments, unpaid child support, bankruptcies, and/or charged off accounts will likely cause
the processing of the application to be delayed or possibly cause the application to be denied.
Outstanding derogatory credit issues or bankruptcies, which have not been discharged, will
require satisfactory explanation.
Note: Documentation must include:
 Proof the debt has been paid;
 Proof that a payment plan has been established and that three current payments
have been made; or
 Proof that the debt is not yours and has been disputed with the creditor as well as
Transunion.
This document should be named Credit Report Explanations – Sub Name – Document Creation
Date.Upload in NMLS under the Document Type Credit Report Explanations in the Document
Uploads sectionof the Individual Form (MU4).
No items are required to be submitted outside of NMLS for this license.
Jurisdictional Documentation must be uploaded to NMLS at time of submission.

• What functions does your Department perform with respect to the mortgage industry?
• What is the Nationwide Multistate Licensing System?
• What laws and regulations do I need to be familiar with in order to meet the licensing requirements and properly operate in Georgia as a mortgage licensee or registrant?
• How do I obtain a license to operate as a broker or lender in the residential mortgage industry?
• I have bad credit. Will my mortgage license be approved?
• I have a criminal background. Will my license be approved?
• I know what a “Licensee” is, but what is a “Registrant” under GRMA?
• My mortgage company wants to establish a Georgia branch office. How do I accomplish this?
• Does Georgia allow net branches of mortgage licensees?
• I am a licensed lender and have a branch location in Georgia. Can my loan officers broker loans to other lenders from that branch without being considered a “net branch”.
• I am a licensed broker or lender located in another state. Is it possible to obtain an exemption to originate or fund one loan?
• I hold a mortgage license. How often can I expect to have my operations examined by your Department?
• What is a “Mortgage Loan Transaction Journal”?
• For examination purposes, do I need to maintain all canceled checks?
• I want to become a mortgage licensee. What fees are charged by your Department?
• Does your Department ever fine its licensees?
• I already have a mortgage license. What will happen when it is time to renew my license?
• I am a mortgage licensee. What reports must I file with the Department each year?
• I am a mortgage broker or lender licensee. What is a Mortgage Call Report and how do I file it?
• What telemarketing activities require a license for a company that solicits and sells mortgage leads?
• What is a Mortgage Loan Originator (Georgia Loan Officer Jobs )?
• I am an originator and have changed employers. Can I still be compensated for loans that were in the pipeline when I left my previous employer?
• If I am a loan processor or underwriter, do I need a Georgia Loan Officer Jobs license?
• I am a Loan Originator. Do I have to obtain a Georgia Loan Officer Jobs license?
• How do I know if I am exempt from Georgia Loan Officer Jobs licensing?
• If I work for a company that is exempt from being licensed as a broker or lender in Georgia such as a non-profit organization, does this exempt me from Georgia Loan Officer Jobs licensing?
• I only work part-time. Is a part-time loan originator subject to the same licensing requirements as a full-time loan originator?
• Can I be paid on a 1099 in connection with a residential mortgage loan?

  Georgia Law and Department Rules have not changed regarding this matter.  The only way to be paid on a 1099 is for a licensed company to get paid on a 1099 in the company’s name, or an individual licensed as a broker or lender to get paid on a 1099 in the individual’s name.  All other work as an “independent contractor” is prohibited from being compensated via 1099.

• I own a licensed mortgage company, but I do not originate loans. My loan originators are the only people at my company that originate. I serve only in an administrative role. Do I have to have a Georgia Loan Officer Jobs license?
• I am a Branch Manager of a mortgage company. Do I have to have a Georgia Loan Officer Jobs license?
• So now that I have my own Georgia Loan Officer Jobs license, am I considered a mortgage broker? Can I originate loans on my own?
• Do I need a Georgia Loan Officer Jobs license to perform loan modifications?
• Where can I find more information about the national and state specific tests?
• Why are you checking my credit? Will my credit history affect the Department’s decision to license me as a Georgia Loan Officer Jobs ?
• I am applying for a Georgia Loan Officer Jobs license. Do I have to get my own bond?
• After I obtain a Georgia Loan Officer Jobs license, what are the Continuing Education requirements for Georgia Loan Officer Jobs s?
• What period of time will the Georgia Loan Officer Jobs license cover and when is the renewal period?
• What is a NMLSR Unique Identifier?
• Will my NMLSR Unique Identifier be made public?
• As a Georgia Loan Officer Jobs , can I be examined/fined/revoked by the Department?
• What laws govern the Georgia Loan Officer Jobs licensing process and detail the actions we must take to stay in compliance?
• Who can I contact for help regarding mortgage licensing or other mortgage-related questions?

GEORGIA LOAN OFFICER COVERAGE AREAS