• 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

WAYS TO GENERATE MORTGAGE BUSINESS WITH A Georgia MORTGAGE JOB

Knowing what to do is the easy part. Knowing the “how to” is easy! The problem is not with the strategies and techniques of how to do something; the problem is that we don’t “do” what we know. We don’t use the knowledge that we have. And even if we step out and use what we know, most Georgia mortgage job loan officers tend to give up too easily. The key is to pick an idea for gaining new Georgia mortgage job and stick with it until you find a way to make it work!

To make the most out of the following information, review this material several times first, because you may have tried some of these ideas in the past with little or no success. Keep in mind that there are several different strategies that you can incorporate with each of the following ways to obtain new Georgia mortgage job . The trick is to pick a dozen or so to focus on, and try different approaches and strategies for each one. Perfect them don’t give up, and you will eventually find your niche and make a lot of money.

1. Visit Georgia mortgage job real estate offices consistently, with or without flyers. When you call on these offices, be effective. Give them the impression that you are very serious about your Georgia mortgage job Georgia mortgage job and adding value to the people you are talking with. Don’t rely on flyers to grow your Georgia mortgage job for you. Flyers are only useful to let Realtors know that you were there, or for announcing a new program that’s unique to you or your company. If you are using flyers as a crutch (to give you a sense of security) to call on offices, do it!

2. Ask to talk at weekly meetings for Georgia mortgage job real estate offices. When you do land a meeting, be sure to prepare. Make them want to do Georgia mortgage job with you. Do something different from everyone else. Make them laugh, make them better, and make them want to do Georgia mortgage job with you.

3. Attend weekly Georgia mortgage job real estate office meetings and bring goodies. Answer questions, be available, and build relationships. Make your presence known when you attend these meetings. Let them know (in your own way) that you are there to do Georgia mortgage job and to add value to them.

4. Go to Georgia mortgage job real estate events and parties. Make friends and build relationships at the events. Caution! Don’t drink too much. Your conduct must command respect if you are attending these functions to grow your Georgia mortgage job .

5. Offer to sit in the Georgia mortgage job real estate office on weekends with the Realtors to be available for prequalifications, answering questions, and taking new loan applications. This is an aggressive move and shows them that you mean Georgia mortgage job and are willing to do whatever it takes to make it happen.

6. Attend Georgia mortgage job real estate conferences and seminars. This is a great way to build long-term relationships with prospective clients. Because of this environment, your chances of“hitting it off”with others attending the seminar or conference increase dramatically.

7. Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related all local and national Georgia mortgage job real estate  related organizations such as your local Board of Realtors, Association of Professional Mortgage Women (APMW), or other appropriate group. The more places you put yourself in that give you an opportunity to meet people who can give you Georgia mortgage job , the more Georgia mortgage job you’ll get. While getting involved in these organizations is good, nothing will replace going up to a Realtor or builder or borrower and asking for Georgia mortgage job . Asking for Georgia mortgage job point-blank will always work if you do it enough. Remember that this is a numbers game.

8. Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related local Georgia mortgage job mortgage Georgia mortgage job related organizations such as the local Chamber of Commerce, or Leads. Let people know who you are and what you do. Leads groups are a great way to get instant referrals.

9. Start your own Leads group. Call your local Chamber of Commerce for information on starting your own group.

10. Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related builder associated groups such as National Association of Home Builders (NAHB) and the local Building Industry Association (BIA). Your involvement in these organizations must be consistent to get the most out of them. Understand that it’s difficult to be all things to all people. Narrow down what you’re going to commit to and get involved in.

11. Join Georgia mortgage job mortgage related local affiliated groups such as The Rental Housing Association and others such as escrow and title company groups. These relationships are what I call non-direct or affiliated relationships. They have some Georgia mortgage job mortgage Georgia mortgage job potential but don’t devote too much time getting involved in everything they do.

12. Host an event for the local Georgia mortgage job real estate professionals. You can get the local title companies and others to help sponsor to keep the costs low. I conduct seminars on peak performance and I always get a sponsor and invite the Realtors. I have anywhere from 50 to 150 attend. They love it because my focus is on helping them out. As a result, I get Georgia mortgage job mortgage Georgia mortgage job .

13. Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related and attend all Multiple Listing Service (MLS) and Board of Realtor functions. If your Georgia mortgage job mortgage Georgia mortgage job  is Realtor-based, you must campaign for yourself. Look at yourself as a politician. If people know you and you have a great reputation, you will be in a position to get lots of votes…or loans in our case.

14. Be involved in a committee that serves through the Board of Realtors. This will heighten your relationships with these Realtors. Don’t Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related a committee and be a wallflower.

15. Send a weekly flyer, newsletter, or other mailer to Realtors. Include small mom-and-pop shops even if they have just one person. This is a must. There is no excuse for not having and sending out a personalized professional newsletter to clients and potential clients. So many great companies offer your name, picture, and personal information on their pre-written newsletter. All you have to do is pay the fee and they do all the work.

16. Check the newspaper for open houses. Call Realtors and do financing flyers for them. They always appreciate this because again, you are helping them out. It’s easy to get them to say yes to open house flyers. If you get them to say yes there, it will be easier to get them to say yes to giving you some loans.

17. Stop by open houses on weekends. Bring goodies and be prepared to do financing alternative flyers,

pre-qualify borrowers and/or take a loan application. This is the easiest way to expand your Georgia mortgage job mortgage Georgia mortgage job . Realtors are always approachable in this setting.

18. Stop by new subdivision model homes and build relationships with sales agents. Do cost sheets on all of their models.

19. Offer to sit on their model home tract on a weekend to prequalify borrowers. You can do this with builders or Realtors. But do not let them take advantage of you. Make sure you’re getting Georgia mortgage job mortgage Georgia mortgage job from them if you are providing this service.

20. Teach a class. Call an adult school or community college and offer to teach a class on credit, appraisal, Georgia mortgage job real estate , and/or mortgage finance. Being an expert is not enough. The trick is to let everyone know that you are an expert.

21. Attend Georgia mortgage job real estate continuing education classes to renew your Georgia mortgage job real estate license. Don’t do home study. This is a great place to meet and build relationships with Realtors.

22. Conduct or sponsor seminars that help Realtors and/or builders increase sales. One idea would be to interview the top 10 Realtors in your area. They will love to do an interview because they all love to talk about their success. Then offer to present the results of your interview to other Georgia mortgage job real estate offices to help them increase Georgia mortgage job mortgage Georgia mortgage job . This also gets you in-the-door with the top producers.

23. Conduct “New Homebuyer” seminars for the public. When done right, this works great! You can get a sponsor or two to help make this more of a success. Title and escrow companies, Realtors, and financial planners are good contacts for sponsors. Use ads that catch attention such as: “Don’t Buy Your First Home Before Attending This Free Seminar!”

24. Conduct Georgia mortgage job real estate finance seminars for Realtors and/or builders. This is a great opportunity to show your stuff as an expert. There are always new Realtors entering the Georgia mortgage job mortgage Georgia mortgage job . This offers a tremendous need that you can fill.

25. Take Georgia mortgage job real estate and affiliated classes at your local adult school or community college. This is a great way to build relationships with Realtors and potential Realtors.

26. Attend self-improvement seminars. Many Realtors attend these on a regular basis. Be a student of the game. Try to attend the ones that you know Realtors will attend.

27. Call and/or visit FSBO’s. Do a computer cost sheet and help them pre-qualify the potential homebuyers who look at their home. You can also offer signs, guest registers, and market analyses on their home. This is an easy sale because they are also very concerned about qualified borrowers.

28. Consistently build off your past borrowers. Have a contact management list. Send a mailer to all of the loans you’ve closed and keep in touch with them. Ask for referrals! You’re throwing Georgia mortgage job mortgage Georgia mortgage job away if you don’t keep in touch with your existing clients.

29. Keep a journal or some kind of record on who has called on loan information and check back with them within a week. Many loan officers talk to potential borrowers, then throw the information away. Start a file for floor calls. Make notes to call these people back as follow-up.

30. Keep a tickler file on leads. Never stop prospecting leads. If they said no once, ask again and again and again.
31. Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related outside organizations such as, clubs, singles groups, ski clubs, gym memberships, and churches. Whatever your interest and beliefs are, make sure you tell everyone what you do! Always keep your Georgia mortgage job mortgage Georgia mortgage job  cards with you and ready to give out.

32. Take part in community events and remember to wear your name tag. Always wear your name tag, even at the grocery store!

33. Have and work a booth at Georgia mortgage job mortgage Georgia mortgage job and trade shows. Exposure! Make sure that you follow up on all of the leads you receive at these shows.

34. Contact your local TV and radio stations and offer your expertise for news specials and industry changes. I once took calls for one hour on a TV show regarding refinancing and received a ton of Georgia mortgage job mortgage Georgia mortgage job . Get to know your local TV and radio personalities. Once you get in with them, they will continue to contact you as an expert.

35. Put your cards and flyers on bulletin boards of Georgia mortgage job mortgage Georgia mortgage job es. Especially those Georgia mortgage job real estate related Georgia mortgage job mortgage Georgia mortgage job es like license training schools, and classes.

36. Hand walk all appraisal and status sheets to Georgia mortgage job real estate agents or builders. This is a great excuse to see them again. The more you see them, the better the relationship you will have with them, and the more Georgia mortgage job mortgage Georgia mortgage job you’ll receive.

37. After you close a loan, send a thank-you note to the borrowers and both Realtors. Then call them to ask for referrals. Make it a point to call on them personally as well. This is great timing. They will appreciate you for closing the transaction.

38. Use “Promos” like pens, note pads, and coffee cups: anything that will help you gain exposure. Keeping your name out there is critical.

39. Ask your manager for specific floor times to answer calls from new applicants. If you’re going to be in the office doing paperwork, make the most of this time.

40. Send flyers and Georgia mortgage job mortgage Georgia mortgage job cards to CPA’s and financial planners in your area. Many times, loan officers overlook these professionals. They can provide a lot of steady Georgia mortgage job mortgage Georgia mortgage job to you.

41. Send flyers and Georgia mortgage job mortgage Georgia mortgage job cards to attorneys. Promote yourself and your Georgia mortgage job mortgage Georgia mortgage job . This also helps you separate yourself as an expert.

42. Build relationships with title representatives, escrow officers, sales managers, and account representatives. These affiliated Georgia mortgage job mortgage Georgia mortgage job es and people can be the key to many referrals.

43. Build relationships with other lenders who don’t offer the same loan programs that you offer. Trade Georgia mortgage job mortgage Georgia mortgage job with them.

44. Build relationships with appraisers and trade Georgia mortgage job mortgage Georgia mortgage job leads. You never know where your next lead will come from. Make it a point to tell these people that you want referrals. Always ask for the Georgia mortgage job mortgage Georgia mortgage job !
45. Build relationships with termite company and trade Georgia mortgage job mortgage Georgia mortgage job leads. Like #44, always ask for new Georgia mortgage job mortgage Georgia mortgage job !

46. Ask your dentist or doctor if you can leave Georgia mortgage job mortgage Georgia mortgage job information on residential home loans in their waiting rooms. Remember, you’re a politician campaigning for yourself.

47. Have a large plastic holder made with your picture and office information to leave with various different model home tracts, builders, and Realtor offices. These also work well at open houses.

48. Call on bank tellers and bank officers to trade Georgia mortgage job mortgage Georgia mortgage job . Most banks don’t offer the same loan programs that you can offer. You’d be surprised how many referrals you can get from this source.

49. Get a list of potential refinance customers from a title or escrow company. These lists are usually free and you can team up with the title company to grow your Georgia mortgage job mortgage Georgia mortgage job . This is a must because it’s an inexpensive way to reach many customers.

50. Start a brainstorming group of professionals. This works best with affiliated Georgia mortgage job mortgage Georgia mortgage job es. However, professionals from other industries work well.

51. Do Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related t advertising with top Realtors or builders. This is a great way to team up to help each other expand and grow Georgia mortgage job mortgage Georgia mortgage job . Make sure to monitor what you invest to make sure you’re getting a return on investment. To do this, you must be getting a lot of Georgia mortgage job mortgage Georgia mortgage job from your partner in advertising. Of course, you don’t want to alienate other Realtors who might not use you because of your affiliation with your advertising partner.

52. Mail out quality letters to renters in apartment complexes where they are paying high-end rent. Make sure rents are high enough so that borrower has a chance at qualifying for the potential mortgage.

Otherwise, you could be wasting a lot of time sending information to individuals who may not qualify.

53. Put a flyer in a tax shop or a CPA’s office regarding the use of income tax refunds for a down payment on a home.

54. Target certain groups who would benefit from your loan programs such as Public Employee Retirement System (PERS) or local bond loan programs.

55. Hold seminars and workshops for these groups such as PERS. Call employers who qualify under this program as a benefit to their employees.

56. When you advertise, target your advertisement for promoting both you and your company in addition to your loan products.

57. Offer gift certificates for a free appraisal, lower closing cost, or free credit report for new borrowers. There are several advertising sources to place your coupons, such as phone books, newspapers, and Realtor magazines.
58. Offer free credit counseling for people interested in homebuying. Free credit counseling can be a big draw for new clients and referrals. Make sure you give them accurate and professional advice. If they can’t qualify for a home now, let them know when they can and advise them accordingly.

59. Ask local city and county housing or planning departments for local contractors that are active for rehabilitating homes. They will give you this information by phone or by mailing you a list. These contractors are a great source of referrals for first and second mortgages. Especially if you do a lot of FHA 203K loans and the like.

60. Fax your loan approvals to everyone involved in the transaction. Flaunt your stuff.

61. Have your picture put on your cards and flyers so that people know who you are. It’s exposure!

62. Talk to students during career week at the local schools. This separates you as an expert and helps you gain exposure.

63. Send congratulation cards to parents of newborns. They can be found in the newspaper. Many times, they are looking to move into bigger homes, or they may know someone who is purchasing.

64. Prepare a cassette with information on the mortgage process, pre-qualification, mortgage options, documentation, etc. Make sure all the Georgia mortgage job real estate offices, builders, CPA’s and others have your tapes ready to give out.

65. Ask for referral letters from your borrowers, Realtors, and builders. Start a notebook to show potential new clients proof that you do a great job.

66. Set up a hot-line for question and answers for pre-qualifying and other loan questions. If you do set up a hot-line, make sure that you advertise well to let people know it’s available.

67. Improve your platform and public speaking skills by Join Georgia mortgage job mortgage related Georgia mortgage job mortgage related ing a speaking organization such as Toastmasters. Always be looking for ways to improve your image and presentation skills. The better you are, the more money you’ll make.

68. Hold an open house for your office and have food, drink, and music. Make sure your office is presentable and professional. Have a drawing or give-away.

69. Develop a tri-fold marketing brochure to hand out. These are easy to create on the computer. If you’re not computer literate, they are inexpensive to have done.

70. Do a mass mailer to select groups. You must also make sure your mailer is going to the right people.

71. Use a laptop computer to originate loans. Once you learn how to originate loans on the laptop, show your clients, Realtors, and builders. Don’t just show them your new toy, show them what it will do for them.

72. If you have some computer skills, offer your services. Offer to do a tri-fold flyer for one of your Realtors in exchange for their Georgia mortgage job mortgage Georgia mortgage job . Get familiar with the Internet as soon as possible!

73. Develop a website. This is a must. This is an inexpensive way to let many people know who you are and what you do. You can get a basic website for as little as $150. Get your website started and improve it as you go. You will want to be included in as many search engines as possible.

74. Visit new model homes on the weekend. The key to builder Georgia mortgage job mortgage Georgia mortgage job is starting relationships with the builder’s salespeople sitting on the new home tracts. Look in the weekend newspaper for their locations. It’s important to be as familiar as possible with the particular builder you are calling on. Consistently visit their site so that you can get to know the homes as well as the people selling them.

75. Write out names of everyone you know. Most people know at least 250 people. Those 250 people know 250 people each. That’s 62,500 people that you are connected with right now. I promise you that out of all those people, you will find new mortgage loans.

76. Advertise. It’s impossible to advertise too much. Go to seminars and workshops to learn as much as you can on how and when to advertise in newspapers, Georgia mortgage job real estate magazines, specialty magazines, billboards, radio, TV, and any other place to get your name out there. Keep trying until you find what works for you!

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