100+ Free GA MLO Practice Questions
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Key Facts: GA MLO Exam
75%
Passing Score
NMLS
55 Q
Exam Questions
State component
20 hrs
Pre-License Education
SAFE Act
$25K
Surety Bond
GA DBF
Georgia MLO candidates must understand the state's non-judicial foreclosure process conducted on the first Tuesday of each month at the county courthouse. Key topics include the Georgia Fair Lending Act's restrictions on high-cost home loans, the 30-day confirmation action deadline for deficiency judgments, and the intangible recording tax of $1.50 per $500 on new mortgage debt.
About the GA MLO Exam
The Georgia MLO state exam tests knowledge of Georgia-specific mortgage laws, licensing requirements, and consumer protection regulations. Georgia is a non-judicial foreclosure state using security deeds with power of sale, and the exam covers the Georgia Residential Mortgage Act, Fair Lending Act, and the unique first-Tuesday courthouse sale process.
Questions
55 scored questions
Time Limit
1 hour 30 minutes
Passing Score
75%
Exam Fee
$110 (Georgia Department of Banking and Finance)
GA MLO Exam Content Outline
GA Licensing & Regulation
Georgia DBF oversight, 20-hour pre-license education, surety bond, license renewal, NMLS requirements
GA Mortgage Law
Georgia Residential Mortgage Act, security deeds, trust accounts, intangible recording tax, transfer tax
GA Consumer Protection
Georgia Fair Lending Act, high-cost home loans, predatory lending, borrower disclosures, ECOA compliance
GA Regulatory Authority
DBF enforcement powers, examinations, complaint process, disciplinary procedures, fines
GA Foreclosure Procedures
Non-judicial power of sale, first-Tuesday sales, notice requirements, deficiency judgments, no redemption period
How to Pass the GA MLO Exam
What You Need to Know
- Passing score: 75%
- Exam length: 55 questions
- Time limit: 1 hour 30 minutes
- Exam fee: $110
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
GA MLO Study Tips from Top Performers
Frequently Asked Questions
How does Georgia's foreclosure process work?
Georgia uses non-judicial foreclosure through security deeds with power of sale. Sales occur on the first Tuesday of the month at the county courthouse. The lender must provide 60 days' notice and advertise for 4 consecutive weeks in the county's legal organ.
Is there a right of redemption after foreclosure in Georgia?
No. Georgia does not provide a statutory right of redemption after a non-judicial foreclosure sale. The lender can pursue a deficiency judgment only by filing a confirmation action within 30 days of the sale.
What is the Georgia intangible recording tax?
Georgia imposes an intangible recording tax of $1.50 per $500 ($3.00 per $1,000) of new mortgage debt secured by real property. This tax is paid at the time of recording the security deed and is a significant closing cost.
What are the Georgia MLO licensing requirements?
Georgia requires 20 hours of NMLS pre-licensing education, a 75% passing score on both the national and state exam components, FBI background check, credit report review, and a minimum $25,000 surety bond for MLO companies.