Yes: in Georgia, mortgage loan officers need a state license issued by the Georgia Department of Banking and Finance (DBF). You can check a name yourself on NMLS Consumer Access.
Mortgage loan officers in Georgia: what buyers ask
What first-time buyer programs does Georgia offer?
In Georgia, the Department of Community Affairs (DCA) runs Georgia Dream: its Standard loan gives 5% of the purchase price, up to $10,000, as a 0% second mortgage with no monthly payments. In the city of Atlanta, Invest Atlanta adds up to $20,000 through ATL HomeNOW, forgiven after 10 years.
What does an FHA loan require?
FHA loans need 3.5% down with a 580 credit score. Upfront mortgage insurance is 1.75% and the annual premium is 0.55% at 96.5% LTV.
Check a mortgage loan officer yourself
- License required · Georgia Department of Banking and Finance (DBF)
- Titles you will see: Licensed mortgage loan originator, Registered mortgage loan originator
- Check a name yourself: NMLS Consumer Access (we could not open this search page ourselves)
The 10 sectors of Atlanta
Midtown · Downtown · Old Fourth Ward · North Buckhead · Morningside/Lenox Park · Grant Park · Virginia Highland · Pine Hills · Lindbergh/Morosgo · Kirkwood