GA mortgage lender bonds.
$1,500 flat.
Georgia requires every licensed mortgage lender to maintain a $250,000 surety bond under the Georgia Residential Mortgage Act — running to the State of Georgia for anyone damaged by a licensee's noncompliance, and filed through NMLS with the Department of Banking and Finance. Ours is $1,500 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
The GRMA lender bond is a standardized NMLS filing. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $1,500 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
The executed bond is delivered ready to associate with your Georgia license record via NMLS electronic surety bond tracking, satisfying the Department of Banking and Finance.
What it is and who needs it.
What the bond actually guarantees
Georgia licenses mortgage lenders — companies that make or service residential mortgage loans — through the Department of Banking and Finance under the Georgia Residential Mortgage Act. O.C.G.A. § 7-1-1003.2 requires every lender licensee to post a bond in the principal sum of $250,000 — or a greater amount the Department sets by regulation based on loan volume — issued by a surety authorized in Georgia and approved by the Department.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Georgia (the obligee). The bond runs to the state for the benefit of any person damaged by noncompliance with the GRMA or a condition of the bond — a damaged borrower, or the Department itself, can proceed directly against the principal or the surety.
It is not insurance for you — if the surety pays a claim, you repay the surety. The statute makes the bond requirement continuous: it must be maintained at all times as a condition of licensure, so we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Georgia bonds.
Finish your NMLS lender filing today.
$1,500 flat, issued the moment you pay, soft pull only. Free until issued.