Complete 8-hour package for Georgia MLO licensees. Includes the 1-hour DBF state specific requirement.
$85.00 | 8 Hours
+ $12.00 NMLS Credit Banking Fee
These Georgia MLO continuing education license courses include the required continuing education necessary to renew a mortgage loan originator's license in the State of Georgia. The Georgia Department of Banking and Finance (DBF) requires licensees to take a total of 8 hours of continuing education each year: 7 hours in SAFE Act required topics, and 1 hour in GA-specific law and regulations.
Included in this MLO continuing education license course renewal package are:
1 Hour GA SAFE: Georgia Mortgage Continuing Education (NMLS ID 17310) - This course starts with a review of the Department of Banking and Finance. The second module explains important mortgage licensing laws, and the third modules covers mortgage advertisement regulations and disclosure requirements. Please review the Course Syllabus for more details about this course.
7 Hour SAFE Core: 2025 Originator Fundamentals (NMLS ID 17286) - This course covers the required topics as mandated by the federal SAFE Act for annual NMLS mortgage license renewal. The content covered in this course include the NMLS-required topics that regulators feel licensees need to be refreshed on; a review of prohibited kickbacks and unearned fees as outlined by RESPA Section 8; and an explain of nontraditional mortgages that can be used by borrowers to make energy efficiency improvements to their properties. Please review the Course Syllabus for more details about this course.
These courses are new for 2025 and meet the SAFE Act's "successive years" rule.
Price: |
$85.00 (USD)
+ $12.00 NMLS Credit Banking Fee |
---|---|
Credit Hours: | 8 |
State: | Georgia |
Category: | Vocational Training > Mortgage > Continuing Education > Georgia |
Purpose: | Complete 8-hour package for Georgia MLO licensees. Includes the 1-hour DBF state specific requirement. |
OnlineEd
14355 SW ALLEN BLVD STE 240,
Portland, OR 97223
(503) 670-9278
mail@onlineed.com
NMLS Course Provider ID: 1400327
Purchase of this package requires that you read and acknowledge an Enrollment Agreement before receiving credit for any courses contained in this package. Please review the following:
To provide superior distance education that exceeds industry standards and expectations in course content and delivery methods to those who seek to enter a new profession and those engaged in a profession.
Try a live demonstration of the OnlineEd learning management system
Get detailed information on the education requirements for topics, credit hours, and licensing.
NMLS Course ID: 17310
NMLS Sponsor ID: 1400327
GREC School ID: 7580
Credit Hours Provided: 1
Category: CE Elective
The Georgia Department of Banking and Finance (DBF) requires mortgage licensees in this state to take a one-hour course on Georgia mortgage lending rules as part of the licensees' annual continuing education requirement for license renewal. This course covers three Georgia mortgage topics for licensee continuing education.
The first module of this course is an overview of the Department of Banking and Finance. Students will learn the values of the DBF and how the department is structured.
The second module of the course examines various rules outlined in Official Code of Georgia Annotated (OCGA) §7-1-1000 to §7-1-1019. These regulations cover prohibited conduct and the authority of the DBF.
The third and last module identifies other mortgage lending laws defined in Georgia Rules and Regulations (R&R) § 80-11-1. We'll cover disclosures, advertisement regulations, and main/branch offices.
This course is broken down into several learning topics. At the end of the course a 15-question final exam will be given. The topics included in this course are:
Total study time: 1 credit hour (50 minutes)
This course will prepare Georgia-licensed MLOs to:
Describe the core values of the Department of Banking and Finance (DBF)
Identify the entities that are regulated by the DBF
Paraphrase definitions as outlined by OCGA §7-1-1000
Describe the entities and individuals who are exempt from mortgage licensing
Outline the information and disclosures required on a license application
Recognize the surety bond and record keeping requirements for brokers and lenders
Identify prohibited actions defined in Title 7 Chapter 1
Define the DBF's powers to suspend or revoke a mortgage license
Define the compliance requirements when delivering loan disclosure documents
Outline the guidelines for advertising loan terms to Georgia consumers
Review the DBF requirements for main offices and branch offices
Identify the role of a branch manager in the office
You must have an NMLS ID to receive credit for this course. You will need this number before you begin the course.
If you already have an NMLS ID but don't remember what it is:
If you do not have an NMLS ID and need to obtain one, use the instructions available in the NMLS Resource Center.
This course will remain available to students until midnight on December 31st, 2025
NMLS Course ID: 17286
NMLS Sponsor ID: 1400327
GREC School ID: 7580
Credit Hours Provided: 7
Category: National
This course will instruct mortgage loan originators on a number of regulations that they will have to comply with while taking part in their mortgage loan origination activities. Rules, such as those implemented by the Dodd-Frank Wall Street Reform and Consumer Protection Act, are set in place to protect the interest and well-being of consumers who apply for mortgages to purchase or refinance their properties. To ensure that their business practices satisfy the regulations adopted by federal laws, mortgage loan originators need to keep current on the guidelines published by supervising entities.
This course consists of three sections and a final exam:
Top 10 Federal Topics for 2025
Prohibited Kickbacks Under RESPA Section 8
Non-traditional Mortgage Products
Final exam
Total study time: 7 credit hours (5 hours, 30 minutes)
Study Time: 3 clock hours (150 minutes of federal law)
Licensed and registered mortgage lenders, brokers, and mortgage loan originators are required to maintain a consistent and current understanding of all regulatory requirements with which they are obligated to comply. This especially applies to individual mortgage loan originators who, in addition to their sponsoring company, will be held accountable for failures discovered through regulatory examinations and investigations involving residential mortgage loans that they originate.
The topics outlined in this module are mandated by the NMLS and state regulators, covering the more egregious regulatory compliance failures recently discovered through various regulatory examinations, investigations, and audits.
Study Time: 2 clock hours (100 minutes of ethics, fraud, and consumer protection)
The Real Estate Settlement Procedures Act (RESPA) was signed into law in 1974 and became effective in June 1975. One function of RESPA was to eliminate kickbacks and unearned fees initiated by those involved in loan settlement services. Before the passage of RESPA, parties associated with the buying and selling of real estate, including lenders, real estate agents, and title companies, often engaged in undisclosed kickbacks to each other, which inflated the costs of real estate transactions and often did not properly disclose all closing costs to consumers.
While RESPA contains various consumer protection regulations, in this ethics section we're going to concentrate on the regulation's prohibitions on kickbacks and referral fees.
Study Time: 2 clock hours (100 minutes of non-traditional mortgage)
Besides traditional conventional loan products, there are other options available when it comes to rehabilitating a home for purchase or refinance that might be better for the needs of a borrower.
In this module, let's explore some unique mortgage products available to borrowers that may better fit their needs compared to a conventional mortgage loan These other options include the FHA 203(k) property rehabilitation loan, four types of energy efficient mortgage products, and the Fannie Mae HomeReady® rehab loan product.
You must have an NMLS ID to receive credit for this course. You will need this number before you begin the course.
If you already have an NMLS ID but don't remember what it is:
If you do not have an NMLS ID and need to obtain one, use the instructions available in the NMLS Resource Center
This course will remain available to students until midnight on December 31st, 2025