GA Realtor
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Exam guide

What to expect, what it costs, and how to register. Verified 2026-09-14.

Exam Structure

  • •Administrator: PSI Services LLC under contract to the Georgia Real Estate Commission (GREC). Governing document: "Georgia Real Estate Commission Candidate Information Bulletin", PSI Services LLC, edition dated 7/1/2026 (Copyright 2026), https://test-takers.psiexams.com/api/content/bulletin/4672 (identical copy at /bulletin/4678).
  • •Total scored questions: 152 — National portion 100 scored questions + Georgia Salesperson Supplement portion 52 scored questions (16 + 21 + 15). National and Georgia questions are intermixed in one sitting; the candidate cannot tell which portion a question belongs to.
  • •Unscored items: in addition to the scored questions, "a small number of one to ten experimental items, generally approximately 10% of the number of questions, may be administered"; they are not scored but DO count against exam time (PSI bulletin 7/1/2026, "Experimental Questions"). The 2013 AMP handbook stated the national portion "may include five questions that are being pretested".
  • •Time allowed: 4 hours (240 minutes) for the combined National + Georgia salesperson exam. (Georgia state-only supplement for Florida reciprocity candidates: 2 hours.) A computer tutorial of up to 15 minutes precedes the exam and does not count toward exam time.
  • •Format: computer-based test (CBT) at a PSI test centre (Duluth/Atlanta NE, Marietta/Atlanta NW, Decatur, Fayetteville, Macon, Savannah); multiple choice, four options, one correct answer; one question on screen at a time; candidates may go back and change answers until time expires; time remaining shown on screen. Score displayed on screen immediately at the end and a score report is emailed; failing reports include a diagnostic report by content area.
  • •Cognitive levels tested (recall, application, analysis) per the AMP/PSI Georgia handbook lineage.

Knowledge Areas — National Portion

  • •Source: PSI National Portion Content Outline (Real Estate Principles and Practices), Salesperson weights, as printed in the PSI Georgia bulletin dated 7/1/2026. PSI publishes salesperson weights as percentages; with 100 scored national items the percentage equals the question count. (This outline is PSI's national outline implemented 1 October 2023; the earlier AMP-era outline had 7 topics — see Verification Notes.)
  • •Property Ownership: 10 questions (10%) — subtopics: real vs personal property and conveyances; land characteristics and legal descriptions (metes and bounds, lot and block, government/rectangular survey, measuring structures, land measurement); encumbrances (liens, easements/rights of way/licenses, encroachments, probate/leases/adverse possession, subsurface/air/water rights); types of ownership (severalty, tenants in common, joint tenancy, timeshares/condominiums/co-ops, trusts and estates, business entities, life estates).
  • •Land Use Controls: 5 questions (5%) — subtopics: government rights in land (property taxes and special assessments; eminent domain, condemnation, escheat); government controls on land use; private controls (deed conditions/restrictions, subdivision CC&Rs, condominium/owners' association rules and bylaws).
  • •Valuation: 8 questions (8%) — subtopics: appraisals (purpose, when a licensed/certified appraiser is required and unauthorized appraisal practice, steps in appraisal process); estimating value (economic principles and property characteristics, sales/market comparison, cost approach, income approach); Comparative Market Analysis (CMA/BPO, AVM vs appraisal vs CMA).
  • •Financing: 10 questions (10%) — subtopics: basic concepts and terminology (points, LTV, PMI, interest, PITI; underwriting: debt ratios, credit; mortgage/deed of trust clauses; promissory note elements); types of loans (conventional, amortized/partially amortized/balloon/interest-only, ARM, FHA, VA, USDA/Rural Development, owner financing/land contract, reverse mortgage, home equity/HELOC, construction, rehab, bridge); financing and lending laws (RESPA incl. kickbacks, TILA/Regulation Z incl. advertising, TRID requirements and time frames, ECOA, lending process application to closing, risky loan features).
  • •Contracts: 19 questions (19%) — subtopics: general contract law (principles, elements of a valid contract, Statute of Frauds, offer and acceptance, enforceability, void/voidable/unenforceable, bilateral/unilateral, options, notice/delivery/acceptance/execution, electronic signatures, rights and obligations, remedies for breach, termination/rescission/cancellation); purchase and lease contracts (addenda and amendments, purchase agreements, contingencies, leases and rental agreements, lease-purchase, types of leases); proper handling of multiple offers and counteroffers.
  • •Agency: 13 questions (13%) — subtopics: agency and non-agency relationships (how established, listing contract types, buyer brokerage/tenant representation, transaction brokers and facilitators, powers of attorney, termination of agency); agent duties (fiduciary duties; duties to customers/non-clients, honesty and good faith); agency disclosures (disclosure of representation; conflicts of interest/self-interest).
  • •Property Disclosures: 7 questions (7%) — subtopics: property condition (seller disclosure requirements, conditions warranting inspection or survey, red flags on land use controls); environmental and government disclosures; disclosure of material facts and material defects.
  • •Property Management: 3 questions (3%) — subtopics: duties and responsibilities (procuring and qualifying tenants; fair housing and ADA compliance in property management; market analysis to set rents); landlord and tenant rights and obligations. (Maintenance/risk management, trust-fund handling and management-contract provisions are Broker-only items.)
  • •Transfer of Title: 6 questions (6%) — subtopics: types of deeds; title insurance and searches (policies, title problems and resolutions, marketable vs insurable title); closing process (when transfer is effective, recordation, settlement procedures and parties, home and new-construction warranties); special processes (foreclosed properties, short sales, probate transactions).
  • •Practice of Real Estate: 12 questions (12%) — subtopics: antidiscrimination (Federal Fair Housing Act principles and exemptions, protected classes, gender identity and sexual orientation protections, prohibited conduct: redlining, blockbusting, steering, disparate treatment; fair housing advertising; ADA accessibility and reasonable accommodation); legislation and regulations (employee vs independent contractor status, antitrust violations and penalties, Do-Not-Call compliance, social media/internet advertising); duties and responsibilities (confidential information, handling funds of others, due diligence). (Supervisory responsibilities are Broker-only.)
  • •Real Estate Calculations: 7 questions (7%) — subtopics: transaction calculations (seller's net proceeds, buyer funds needed at closing, property tax and other prorations, transfer fees, PITI payment estimate given rate and term); general concepts (equity, rate of return/capitalization rate, loan-to-value ratio, discount points and loan origination fees).
  • •Sum check: 10+5+8+10+19+13+7+3+6+12+7 = 100.

Knowledge Areas — Georgia Portion

  • •Source: "Georgia Salesperson Supplement Examination" outline, PSI Georgia bulletin 7/1/2026 (item counts unchanged since the February 2013 AMP handbook).
  • •State Laws and Rules: 16 questions (30.8% of the Georgia portion) — subtopics: Unfair Practices (O.C.G.A. 43-40-25); Substantive Regulations (GREC Rules Chapter 520-1); Qualifications and Fees; Fair Housing Laws; Real Estate Education, Research and Recovery Fund; Investigation and Hearing Process; Commission Organization and Procedures; Required Licensure.
  • •Real Estate Practice in Georgia: 21 questions (40.4%) — subtopics: Real Estate Practice; Sales Contracts; Listings and Agency (Georgia BRRETA — Brokerage Relationships in Real Estate Transactions Act); Property Management; Community Association Management.
  • •Finance and Closing: 15 questions (28.8%) — subtopics: Finance; Closing Procedures.
  • •Sum check: 16+21+15 = 52.

Passing And Retakes

  • •Scoring is by portion: the score report / Certification of Accuracy shows a National subtotal (out of 100), a Georgia subtotal (out of 52) and an overall total (out of 152) with a PASS/FAIL result (PSI bulletin 7/1/2026, sample Certification of Accuracy Statement).
  • •Required score: 75% correct on each portion — 75 of 100 on the National portion and 39 of 52 on the Georgia portion. The 7/1/2026 PSI bulletin does not print the numeric cut score; GREC Rule 520-1-.04(3)(a) requires that "the minimum passing score shall be published prior to the administration of the examination" and that it be set by "psychometrically sound criterion-related methods" (Angoff method per the 2013 handbook). The 75% / 75-and-39 figures are consistently reported by 2025–2026 secondary sources (Colibri, 360training, EstatePass, US Realty Training, VanEd, Aceable). One 2026 secondary source (passd.io) instead describes a scaled score of 72 "functionally equivalent to roughly 75% raw"; no primary source supports a scaled 72, so 75% per portion is treated as current.
  • •Portions are passed and retained separately: the bulletin's table of contents lists "Re-taking a Failed Portion"; a candidate who fails one portion retakes only that portion (360training, Dec 2025, consistent with the per-portion subtotals on the score report). Veteran's preference points (5 or 10 points under Rule 520-1-.04(3)) may be added to a failing score on application within 60 days with DD-214.
  • •Retakes: no limit on attempts and no mandatory waiting period; a new appointment cannot be booked on the same day as the failed attempt (e.g. fail Wednesday, call Thursday, retest as early as Friday subject to seat availability). Full exam fee ($175) is paid for every attempt; fees are non-refundable and non-transferable and are forfeited if the candidate does not test within 1 year of PSI receiving the fee.
  • •Exam validity: a passing result is valid for 12 months; anyone who fails to apply for the license within 12 months of the exam date must retake the exam (PSI bulletin; GREC Rule 520-1-.04(5)(a); grec.state.ga.us).

Registration And Cost

  • •Exam fee: $175 per attempt (Salesperson, Broker and CAM), payable to PSI by credit card (VISA, MasterCard, American Express, Discover), cashier's check or money order. Confirmed by PSI bulletin 7/1/2026 ("Salesperson, Broker and CAM Examination Fee $175") and grec.state.ga.us ("The examination fee is $175.00"). Older figures still circulating on third-party sites — $115 (AMP, Feb 2013), $119 and $121 (PSI, roughly 2019–2025) — are superseded.
  • •Eligibility to register: (1) completion of the 75-hour Salesperson's Prelicense Course at a GREC-approved school (the school transmits completion to PSI), OR (2) 10 quarter / 6 semester hours of qualifying real-estate, or real property/agency/contract law, courses at an accredited U.S./Canadian college, university or law school (official transcript uploaded, "Alternate Route" application reviewed by PSI), OR (3) at least 75 hours of prelicense course work approved by another U.S. state or Canadian province (proof uploaded, Alternate Route).
  • •Process: create an account at https://test-takers.psiexams.com/gare (name must exactly match government ID); select "Georgia Real Estate" tests; choose the Salesperson exam (or submit the Alternate Route application and wait for approval email); pick a test centre by city/postal code, date and time; pay. Telephone scheduling: (888) 818-5834, Mon–Fri 8:00 am–10:00 pm and Sat–Sun 8:30 am–6:00 pm ET (credit card required).
  • •Cancellation/reschedule without forfeiting the fee requires notice at least 2 days before the appointment (online or by phone; voicemail not accepted). No-show, late arrival, late cancellation or missing ID forfeits the fee.
  • •ADA accommodations available on request; site closures for emergencies are rescheduled by PSI.
  • •Total cash outlay to licensure (excluding school tuition): $175 exam + $170 license fee (or $340 if applying more than 3 months after the exam) + GCIC report fee (set by the local law-enforcement agency) + optional $15 duplicate Certification of Accuracy + $25 declined-card handling fee.

At The Test Centre

  • •Arrive 30 minutes early for check-in; late arrivals may be refused and forfeit the fee.
  • •One valid, unexpired, signed photo ID matching the registration name: state driver's licence or ID card, US passport, US military ID, US Alien Registration Card, foreign passport or foreign government ID.
  • •Calculator: an on-screen calculator is provided; hand-held calculators are prohibited.
  • •Reference material: none allowed — "Reference materials of any kind" are prohibited. Scratch paper and a pencil may be provided and must be returned at check-out.
  • •Prohibited: all electronic devices (phones, smart/electronic watches, earbuds, tablets, recording devices, etc.), hats/headgear (except religious), bulky or loose outerwear, bags, food, drink, gum, notes, writing instruments, wallets/purses; items must go in secure storage or the car. Pockets may be emptied and sleeves/pant legs, eyeglasses and jewellery inspected.
  • •No companions may wait in the centre or on the property. Restroom breaks only with proctor permission and with no extra time. Candidates may leave comments on questions via the on-screen Comments link (the only form of exam review).
  • •Licence issuance at the test centre: PSI issues the salesperson licence (active or inactive) at its Georgia test centres Mon–Fri 9:00 am–12:00 pm and 2:00 pm–4:45 pm, from 24 hours after passing (same-day licensing no longer available) up to 12 months after the exam.

Pass Rates

  • •Neither GREC nor PSI publishes official Georgia salesperson pass-rate statistics, and GREC does not publish per-school pass rates (confirmed by absence on grec.state.ga.us and in the PSI bulletin; stated explicitly by Realty License Hub and Smart Agent Alliance, 2026).
  • •Third-party estimates only, unverifiable against primary data: "state average first-time pass rate approximately 50%" (Fortune Academy; EstatePass, which attributes it to GREC without citation); "usually between 60% and 70%" (US Realty Training, updated Aug 12, 2026); "58–63%" first-attempt (search-result summary, 2026). Treat as indicative that roughly half of first-time candidates fail.

Licensure Path In Georgia

  • •Statute: O.C.G.A. Title 43, Chapter 40 (Real Estate Brokers and Salespersons), esp. § 43-40-8 (qualifications; 75 hours; exam; 25-hour post-license) and § 43-40-15 (criminal history/grounds for denial). Rules: GREC Chapter 520-1 (Licensure and Brokerage; Rule 520-1-.04 Obtaining a License, 520-1-.05 Maintaining a License) and Chapter 520-2 (course standards; Rule 520-2-.04 course hours and content).
  • •Salesperson eligibility: at least 18 years old; high school graduate or equivalency certificate; Georgia resident (non-resident licensure available under 520-1-.04(3)(g) and reciprocity); lawful-presence affidavit (notarised) required; criminal history reviewed under § 43-40-15 — a Background Clearance Application (GREC/GREAB form 10-2020, included in the PSI bulletin) is required for anything other than "NO RECORD" and is reviewed by the GREC Investigations Section (allow extra time).
  • •Step 1 — Prelicense education: 75-hour Salesperson Prelicense Course at a GREC-approved school (Rule 520-2-.04: "minimum of seventy-five instructional hours", 16 required content areas, must conclude with a school-administered final exam with at least five questions on each of 14 content areas). Alternatives: 10 quarter/6 semester hours of qualifying college or law-school courses, or a 75-hour course approved by another jurisdiction.
  • •Step 2 — GCIC criminal history report: obtain a certified Georgia Crime Information Center (GBI) report from a Georgia sheriff's office or police station, dated no more than 60 days before applying for the licence; non-residents supply the equivalent report from their home state. The report is brought to the PSI test centre, not to GREC.
  • •Step 3 — Exam: register with PSI, pay $175, pass both portions (see above).
  • •Step 4 — Apply for the licence at a PSI test centre (from 24 hours after passing): present photo ID, the unsigned Certification of Accuracy Statement, the GCIC report, the signed and notarised Lawful Presence Affidavit, a Sponsoring Broker Statement signed by the broker (for an active licence; not needed for inactive), and the $170 licence fee (cashier's check/money order to GREC, or credit/debit card; no cash or personal checks). Deadlines (Rule 520-1-.04(5)(a); GREC FAQ): apply within 3 months of the exam date at the $170 fee; between 3 and 12 months the fee doubles to $340; after 12 months the exam must be retaken. The $170 covers licensure through the last day of the licensee's birth month in the fourth calendar year after issuance.
  • •Step 5 — Post-license education: 25-hour Salesperson Postlicense Course within the first year of licensure (§ 43-40-8; Rule 520-1-.05; Rule 520-2-.04 "minimum of twenty-five instructional hours"); failure causes the licence to lapse (a six-month extension is available in limited circumstances under 520-1-.05).
  • •Ongoing: 36 hours of GREC-approved continuing education per 4-year renewal period, including at least 3 hours on License Law, for licensees numbered above 100,000; renewal by the last day of the birth month every four years (online renewal $100; paper $125 per Rule 520-1-.04(1)). Licensees may not practise until the sponsoring broker receives the wall certificate and pocket card.
  • •Broker path: at least 21 years old; hold an active salesperson (or associate broker) licence for at least 3 of the 5 years immediately preceding application; complete the 60-hour Broker's Prelicense Course (or 15 quarter/9 semester hours of qualifying college/law courses, or a 60-hour out-of-state broker course); pass the PSI Broker exam ($175: National Broker portion incl. scenario-based best-answer items, plus Georgia Broker Supplement of 48 items — State Laws and Rules 31, Management 12, Closing and Calculations 5); apply within 12 months of the exam; $170 licence fee; brokers need 36 CE hours plus 18 additional broker-specific hours per renewal. Community Association Managers (25-hour CAM course, 48-question CAM exam) who want a broker licence must additionally complete the 75-hour salesperson course or 10 extra quarter hours.
  • •Reciprocity: holders of a current licence obtained by examination in another state may apply to GREC for licensure without examination (Rule 520-1-.04(3)(g), certification less than 12 months old); Florida licensees must instead pass the 52-question Georgia Salesperson Supplement exam (2 hours).

Recommended Preparation

  • •Study to the PSI 7/1/2026 outline weights: Contracts (19), Agency (13), Practice of Real Estate/fair housing (12), Property Ownership (10) and Financing (10) together are 64 of the 100 national items; Real Estate Calculations (7) plus the maths embedded in Financing, Valuation and Transfer of Title reward fluency with prorations, LTV, points, cap rates and net-sheet arithmetic using only the on-screen calculator.
  • •For the Georgia portion, master O.C.G.A. 43-40 (especially 43-40-25 unfair practices, 43-40-8 qualifications and post-license rules, 43-40-15 criminal history, 43-40-20/22 trust accounts and the Education, Research and Recovery Fund), GREC Rules 520-1 (fees, deadlines, advertising, trust accounts, management agreements) and BRRETA (O.C.G.A. 10-6A: brokerage relationships, disclosure duties, designated agency, dual agency, transaction brokerage), plus Georgia-specific contract forms, closing customs (attorney-conducted closings, transfer tax, intangible tax) and community association management basics.
  • •Use the PSI-listed references (e.g. Modern Real Estate Practice 21st ed., Mastering Real Estate Math 9th ed., Principles of Real Estate Practice 6th ed.) and PSI's own Georgia practice exams at test-takers.psiexams.com/gare (paid, unlimited attempts).
  • •Simulate the real format: 152 mixed national/state items plus up to ~15 unscored experimental items in 4 hours (about 1.5 minutes per question), four-option multiple choice, no reference materials, review-and-change allowed.
  • •Aim for a comfortable margin above 75% on each portion separately; a strong national score cannot offset a weak Georgia score.
  • •Complete the GCIC report only once the exam date is fixed (60-day validity), have the Sponsoring Broker Statement ready if an active licence is wanted, and license within 3 months of passing to avoid the doubled $340 fee.

References used in this site

793 sources cited across the question bank.

Show all sources
  1. 1Georgia Real Estate Commission Candidate Information Bulletin (PSI Services LLC, dated 7/1/2026, Copyright 2026)
  2. 2Georgia Real Estate Commission Candidate Information Bulletin (PSI, duplicate copy, identical text)
  3. 3PSI Georgia Real Estate test-taker portal (scheduling, practice exams)
  4. 4GREC — Obtaining a License: Real Estate (Salesperson / CAM / Broker requirements and fees)
  5. 5GREC — FAQ: Real Estate (3-month / 12-month application deadlines)
  6. 6GREC — Education Requirements: Real Estate (36-hour CE, 3-hour license law, broker 18 hours)
  7. 7GREC — License Law and Rules index (Title 43 Ch. 40; Chapters 520-1, 520-2, 520-4, 520-5)
  8. 8GREC — Forms & Applications: Real Estate (Lawful Presence Verification, Background Clearance Application)
  9. 9GREC Rule 520-1-.04 Obtaining a License (official PDF on grec.state.ga.us)
  10. 10Ga. Comp. R. & Regs. R. 520-1-.04 Obtaining a License (LII mirror; last amendment eff. July 1, 2017)
  11. 11Ga. Comp. R. & Regs. R. 520-1-.05 Maintaining a License (post-license, renewal, CE)
  12. 12Ga. Comp. R. & Regs. R. 520-2-.04 (course hours and content; amended eff. July 1, 2020)
  13. 13O.C.G.A. § 43-40-8 Qualifications of licensees (FindLaw, current through March 28, 2024)
  14. 14O.C.G.A. § 43-40-8 (Justia, 2024 Georgia Code)
  15. 15Georgia Candidate Handbook, Real Estate Examination Program, AMP, February 2013 (Rev. 3/1/2013) — historical comparison
  16. 16Colorado DRE notice: PSI's 2023 National Real Estate Examination Content Outlines (implemented Oct 1, 2023)
  17. 17Kaplan Real Estate Education — Georgia Real Estate License Requirements
  18. 18Aceable Agent — What is on the Georgia Salesperson Exam?
  19. 19Aceable Agent — How to Get a Real Estate License in Georgia
  20. 20360training — Georgia Real Estate License: How to Pass the Exam (Dec 4, 2025)
  21. 21Colibri Real Estate — Georgia Real Estate Practice Exam (2026)
  22. 22Colibri Real Estate — Georgia Real Estate Exam: Format, Passing Score & How to Prepare (2026)
  23. 23US Realty Training — Georgia Real Estate Exam: Everything You Need to Know (Apr 3, 2026; updated Aug 12, 2026)
  24. 24US Realty Training — How to Apply for the Georgia Real Estate Exam
  25. 25EstatePass — Georgia Real Estate Exam Guide (2026)
  26. 26Passd — Georgia real estate exam: format, score, what to expect in 2026 (May 8, 2026)
  27. 27VanEd — Georgia Real Estate Exam: Practice Questions, Locations & Pass Rates
  28. 28Atlanta REALTORS Association school — How to Get a Georgia Real Estate Salesperson License
  29. 29Fortune Academy — Georgia Real Estate Pre-Licensing (pass-rate claim)
  30. 30Realty License Hub — Best Real Estate Schools in Georgia 2026 (GREC does not publish per-school pass rates)
  31. 31PSI Online Store — Georgia Real Estate Salesperson State and National Combo Study-Pack
  32. 32PSI Georgia Real Estate Commission Candidate Information Bulletin
  33. 33O.C.G.A. § 44-1-2 "Realty" or "real estate" defined; extent of owner's interest in airspace
  34. 34O.C.G.A. § 44-1-2 (Justia, with annotations)
  35. 35O.C.G.A. § 44-1-3 Personalty defined
  36. 36O.C.G.A. § 44-1-6 What things considered fixtures
  37. 37O.C.G.A. § 44-1-16 Failure to disclose site of death/disease
  38. 38O.C.G.A. § 44-2-1 Recording of deeds; priority
  39. 39O.C.G.A. § 44-2-2 Effect of recording
  40. 40O.C.G.A. § 44-2-3 Unrecorded voluntary deeds void against BFPs
  41. 41O.C.G.A. § 44-2-15 Officers authorized to attest
  42. 42O.C.G.A. § 44-3-71 Georgia Condominium Act definitions
  43. 43O.C.G.A. § 44-3-77 Contents of declaration; allocation of undivided interests
  44. 44O.C.G.A. § 44-3-81 Reallocation of interests
  45. 45O.C.G.A. § 44-3-109 Condominium association lien for assessments
  46. 46O.C.G.A. § 44-3-111 Disclosure to purchasers; 7-day voidability
  47. 47O.C.G.A. § 44-3-162 Georgia Time-Share Act definitions
  48. 48O.C.G.A. § 44-3-174 Time-share purchaser's cancellation
  49. 49O.C.G.A. § 44-3-232 Property Owners' Association lien
  50. 50O.C.G.A. § 44-5-30 Requisites of deed (current text)
  51. 51O.C.G.A. § 44-5-30 (ga.elaws, pre-2015 text)
  52. 52O.C.G.A. § 44-5-33 Form of deed
  53. 53O.C.G.A. § 44-5-40 Future interests alienable
  54. 54O.C.G.A. § 44-5-41 Conveyance to or by a minor
  55. 55O.C.G.A. § 44-5-62 General warranty covenants
  56. 56O.C.G.A. § 44-5-161 Requirements for prescriptive possession
  57. 57O.C.G.A. § 44-5-162 Effect of fraud
  58. 58O.C.G.A. § 44-5-163 Adverse possession 20 years
  59. 59O.C.G.A. § 44-5-164 Adverse possession 7 years under color of title
  60. 60O.C.G.A. § 44-5-165 Actual possession
  61. 61O.C.G.A. § 44-5-166 Constructive possession of adjacent owners
  62. 62O.C.G.A. § 44-5-167 Possession under recorded deed
  63. 63O.C.G.A. § 44-5-168 Mineral rights lapse
  64. 64O.C.G.A. § 44-5-169 Possession as notice
  65. 65O.C.G.A. § 44-5-170 Disabilities
  66. 66O.C.G.A. § 44-5-172 Tacking
  67. 67O.C.G.A. § 44-5-175 Prescription of incorporeal rights
  68. 68O.C.G.A. § 44-6-2 Merger
  69. 69O.C.G.A. § 44-6-20 Fee simple defined
  70. 70O.C.G.A. § 44-6-21 "Heirs" not necessary
  71. 71O.C.G.A. § 44-6-40 Conditional estates
  72. 72O.C.G.A. § 44-6-60 Remainders and reversions
  73. 73O.C.G.A. § 44-6-80 Nature of life estates
  74. 74O.C.G.A. § 44-6-82 Creation of life estates
  75. 75O.C.G.A. § 44-6-83 Rights and duties of life tenant; forfeiture
  76. 76O.C.G.A. § 44-6-100 Estate for years
  77. 77O.C.G.A. § 44-6-101 Estate for years distinguished
  78. 78O.C.G.A. § 44-6-120 Tenancy in common
  79. 79O.C.G.A. § 44-6-121 Rights of cotenants; accounting
  80. 80O.C.G.A. § 44-6-123 Adverse possession against cotenant
  81. 81O.C.G.A. § 44-6-141 Molding of partition decree
  82. 82O.C.G.A. § 44-6-160 Writ of partition
  83. 83O.C.G.A. § 44-6-166.1 Partition when division inequitable
  84. 84O.C.G.A. § 44-6-190 Joint tenancy with survivorship
  85. 85O.C.G.A. § 44-6-201 Rule against perpetuities
  86. 86O.C.G.A. § 44-7-1 Landlord and tenant; usufruct; five years
  87. 87O.C.G.A. § 44-7-7 Tenancy at will notice
  88. 88O.C.G.A. § 44-8-1 Running water
  89. 89O.C.G.A. § 44-8-2 Nonnavigable streams
  90. 90O.C.G.A. § 44-8-5 Navigable streams
  91. 91O.C.G.A. § 44-8-7 Navigable tidewaters
  92. 92O.C.G.A. § 44-9-1 Methods of acquiring private ways
  93. 93O.C.G.A. § 44-9-2 Easement of light and air
  94. 94O.C.G.A. § 44-9-4 Parol license
  95. 95O.C.G.A. § 44-9-5 Cessation of way of necessity
  96. 96O.C.G.A. § 44-9-6 Loss of easement by abandonment or nonuse
  97. 97O.C.G.A. § 44-9-40 Private ways through superior court; 20 feet
  98. 98O.C.G.A. § 44-9-54 Private way by prescription
  99. 99O.C.G.A. § 44-13-100 Homestead exemption
  100. 100O.C.G.A. § 44-14-30 Mortgage as security only
  101. 101O.C.G.A. § 44-14-60 Deed to secure debt passes title
  102. 102O.C.G.A. § 44-14-320 Liens established
  103. 103O.C.G.A. § 44-14-361 Who may have mechanics' liens
  104. 104O.C.G.A. § 44-14-361.1 How liens declared and created
  105. 105O.C.G.A. § 44-14-361.1 (Justia)
  106. 106O.C.G.A. § 44-14-367 Lien expiration 395 days
  107. 107O.C.G.A. § 44-14-610 Lis pendens
  108. 108O.C.G.A. § 48-2-56 Tax lien priority
  109. 109O.C.G.A. § 9-12-60 Judgment dormancy
  110. 110O.C.G.A. § 53-2-1 Intestate succession
  111. 111O.C.G.A. § 53-2-7 Vesting of title of decedent
  112. 112O.C.G.A. § 53-3-1 Year's support
  113. 113O.C.G.A. § 53-12-2 Trust definitions
  114. 114O.C.G.A. § 53-12-20 Creation of express trust
  115. 115O.C.G.A. § 14-2-302 Corporate powers
  116. 116O.C.G.A. § 14-8-25 Tenancy in partnership
  117. 117O.C.G.A. § 14-11-202 LLC powers
  118. 11826 U.S.C. § 6321 Lien for taxes
  119. 119IRS Publication 555, Community Property
  120. 120BLM Oregon/Washington, Land Legal Descriptions
  121. 121Public Land Survey System, Wikipedia
  122. 122Acre, Wikipedia
  123. 123Gunter's chain, Wikipedia
  124. 124Metes and bounds, Wikipedia
  125. 125Square foot, Wikipedia
  126. 126Georgia Land Lotteries, Wikipedia
  127. 127Georgia Archives, Early Land Distribution in Georgia
  128. 128Concurrent estate, Wikipedia
  129. 129Life estate, Wikipedia
  130. 130Housing cooperative, Wikipedia
  131. 131Easement, Wikipedia
  132. 132Water right, Wikipedia
  133. 133Fixture (property law), Wikipedia
  134. 134Lien, Wikipedia
  135. 135Alper Law, Which States Recognize Tenancy by the Entirety
  136. 136Georgia Real Estate Infobase, Chapter 27 (legal descriptions; land lots 40–490 acres)
  137. 137O.C.G.A. § 48-5-7 (assessment ratio) — FindLaw
  138. 138O.C.G.A. § 48-5-2 (definitions; FMV; sale-price cap) — FindLaw
  139. 139O.C.G.A. § 48-5-7.4 (conservation use) — FindLaw
  140. 140Columbia County GA, Conservation Use Valuation
  141. 141Georgia DOR, Property Tax – Real and Personal Property FAQ
  142. 142Georgia DOR, Property Tax Valuation
  143. 143Georgia DOR, Property Tax Returns and Payment
  144. 144O.C.G.A. § 48-5-45 (homestead application) — FindLaw
  145. 145O.C.G.A. § 48-5-32 (millage publication) — FindLaw
  146. 146O.C.G.A. § 48-5-311 (appeals) — FindLaw
  147. 147O.C.G.A. § 48-5-24 (due dates/penalties) — FindLaw
  148. 148O.C.G.A. § 48-2-56 (tax lien priority) — FindLaw
  149. 149O.C.G.A. § 48-4-40 (redemption) — FindLaw
  150. 150O.C.G.A. § 48-4-42 (redemption amount) — FindLaw
  151. 151GGGG&S, Georgia tax-sale redemption summary
  152. 152Tax Sale Atlas, Columbia County GA
  153. 153O.C.G.A. § 36-39-3 (street improvement procedure) — Justia
  154. 154O.C.G.A. § 36-39-4 (assessment basis) — FindLaw
  155. 155O.C.G.A. § 22-1-1 (eminent domain definitions) — FindLaw
  156. 156O.C.G.A. § 22-1-2 (nature of eminent domain; public use) — FindLaw
  157. 157O.C.G.A. § 22-1-5 (just compensation) — Justia
  158. 158O.C.G.A. § 22-1-9 (condemnation practices) — FindLaw
  159. 159O.C.G.A. § 22-1-10 (pre-condemnation notice) — FindLaw
  160. 160USLegal, Georgia Eminent Domain Laws
  161. 161Institute for Justice, Georgia Eminent Domain Laws
  162. 162Institute for Justice, Kelo
  163. 163Georgia Law Review, "Exclusively Public Eminent Domain"
  164. 164Wikipedia, Kelo v. City of New London
  165. 165Wikipedia, Regulatory taking
  166. 166Wikipedia, Shelley v. Kraemer
  167. 167Cornell LII Wex, Village of Euclid v. Ambler Realty
  168. 168EstatePass, Police Power
  169. 169O.C.G.A. § 53-2-50 (escheat defined) — FindLaw
  170. 170O.C.G.A. § 53-2-51 (escheat procedure) — FindLaw
  171. 171O.C.G.A. § 36-66-3 (zoning definitions) — FindLaw
  172. 172O.C.G.A. § 36-66-4 (zoning hearings/notice) — FindLaw
  173. 173Jenkins & Bowen and Walker, Overview of Local Government Land Use Regulation
  174. 174Georgia AG Unofficial Opinion 94-4 (constitutional zoning power)
  175. 175Douglas County GA, The 1989 Georgia Planning Act
  176. 176Athens-Clarke County, Comprehensive Planning
  177. 177O.C.G.A. § 8-2-20 (state minimum standard codes) — FindLaw
  178. 178PrepAgent, Zoning
  179. 179ThisMatter, Land-Use Controls
  180. 180PropertyMetrics, Essential Zoning Terms
  181. 18115 U.S.C. § 1702 (ILSA exemptions) — Cornell LII
  182. 18215 U.S.C. § 1703 (ILSA revocation) — Cornell LII
  183. 183CFPB Regulation J, 12 CFR Part 1010
  184. 184O.C.G.A. § 44-6-43 (void conditions) — FindLaw
  185. 185O.C.G.A. § 44-5-60 (covenants; 20 years; renewal) — FindLaw
  186. 186Lueder, Larkin & Hunter, Duration of Covenants: A Survey of Georgia Law
  187. 187Georgia Property Owners' Association Act, O.C.G.A. §§ 44-3-220–235 (PDF)
  188. 188O.C.G.A. § 44-3-232 (POA lien) — FindLaw
  189. 189O.C.G.A. § 44-3-71 (condominium definitions) — FindLaw
  190. 190O.C.G.A. § 44-3-80 (common expense allocation) — FindLaw
  191. 191O.C.G.A. § 44-3-93 (amendments) — FindLaw
  192. 192O.C.G.A. § 44-3-109 (condominium lien) — FindLaw
  193. 193O.C.G.A. § 44-3-111 (condominium sale disclosures) — FindLaw
  194. 194HOPB, Georgia Condominium Act
  195. 195HOPB, Georgia HOA Law Guide
  196. 196NowackHoward, SB 406 summary
  197. 197Atlanta News First, "New Georgia HOA law raises foreclosure threshold" (May 13, 2026)
  198. 198The Good HOA, Georgia SB 406 compliance
  199. 199O.C.G.A. § 43-39A-2 (Definitions), FindLaw
  200. 200O.C.G.A. § 43-39A-24 (Unlawful to operate without appraiser classification; exceptions), FindLaw
  201. 201O.C.G.A. Title 43 Chapter 39A index (Justia, 2024)
  202. 202Georgia Attorney General Official Opinion 99-15
  203. 203Ga. Comp. R. & Regs. 539-1-.15 Experience Requirements (Cornell LII)
  204. 204Ga. Comp. R. & Regs. 539-1-.16 (Cornell LII)
  205. 205Ga. Comp. R. & Regs. 539-3-.01 Standards for Appraisals (Cornell LII)
  206. 206Rules of Georgia Real Estate Appraisers Board, Chapter 539-1
  207. 20712 U.S.C. § 3355 Broker price opinions (Cornell LII)
  208. 20812 U.S.C. § 3355 (U.S. House OLRC)
  209. 20912 CFR 34.42 Definitions (Cornell LII)
  210. 21012 CFR 34.43 Appraisals required (Cornell LII)
  211. 21112 CFR 34.44 Minimum appraisal standards (Cornell LII)
  212. 212CFPB concurrence letter on FIRREA residential threshold increase (Aug. 2019)
  213. 213Interagency Appraisal and Evaluation Guidelines (Dec. 2, 2010), FDIC FIL-82-2010
  214. 214Federal Reserve FAQ on Appraisal Regulations and IAEG
  215. 21512 CFR 1026.35 Higher-priced mortgage loans (Cornell LII)
  216. 21612 CFR 1026.35 with Official Interpretation (CFPB)
  217. 21712 CFR 1026.42 Valuation independence (Cornell LII)
  218. 21812 CFR 1002.14 Rules on providing appraisals and other valuations (CFPB)
  219. 21912 CFR 1002.14 (Cornell LII)
  220. 220CFPB Fast Facts: Quality Control Standards for AVMs (July 2024)
  221. 221CFPB AVM quality control standards compliance page
  222. 222Federal Register, Quality Control Standards for Automated Valuation Models (Aug. 7, 2024)
  223. 223HUD Handbook 4000.1, FHA Single Family Housing Policy Handbook
  224. 224Fannie Mae Selling Guide B4-1.3-08 Comparable Sales
  225. 225Fannie Mae Selling Guide B4-1.4-10 Value Acceptance (Appraisal Waiver)
  226. 226California DRE Reference Book, Chapter 15 Appraisal and Valuation
  227. 227California BOE, Income Approach to Value, Lesson 2 (economic principles)
  228. 228California BOE, Income Approach to Value, Lesson 7 (processing the income stream)
  229. 229California BOE, Income Approach to Value, Lesson 8 (direct capitalization, multipliers)
  230. 230Appraisal Institute Guide Notes (USPAP market value, scope of work)
  231. 231Lexawise, Basic Appraisal Principles for the Real Estate Exam (secondary)
  232. 232Wikipedia, Broker's price opinion (secondary)
  233. 233HUD, "HUD's Federal Housing Administration Announces 2026 Loan Limits" (HUD No. 25-145, Dec 11, 2025)
  234. 234HUD Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits (PDF)
  235. 235HUD, FHA Lenders Single Family (2026 limits, ML 2025-22/2025-23 references)
  236. 236HUD, 203(k) Rehabilitation Mortgage Insurance Program Types
  237. 237HUD FHA INFO 2024-44, 203(k) updates (PDF)
  238. 238HUD Mortgagee Letter 2023-05, annual MIP reduction (PDF, binary)
  239. 23924 CFR 206.33 HECM borrower age
  240. 24024 CFR 206.41 HECM counseling
  241. 241FHFA, Conforming Loan Limit Values for 2026
  242. 242VA, Funding fee and closing costs
  243. 243VA, Home loan entitlement and limits
  244. 244VA, Purchase loan
  245. 245VA, Eligibility requirements
  246. 24638 U.S.C. § 3703 Basic provisions relating to loan guaranty
  247. 24712 U.S.C. § 2607 RESPA Section 8
  248. 24812 U.S.C. § 4902 Homeowners Protection Act
  249. 24912 U.S.C. § 1701j-3 Garn-St Germain due-on-sale
  250. 250NCUA, Homeowners Protection Act (PMI Cancellation Act) guide
  251. 25112 CFR 1024.5 RESPA coverage/exemptions
  252. 25212 CFR 1024.6 Special information booklet
  253. 25312 CFR 1024.14 Kickbacks and unearned fees
  254. 25412 CFR 1024.15 Affiliated business arrangements
  255. 25512 CFR 1024.17 Escrow accounts
  256. 25612 CFR 1024.33 Servicing transfers
  257. 25712 CFR 1024.39 Early intervention
  258. 25812 CFR 1024.41 Loss mitigation / 120-day rule
  259. 25912 CFR 1026.2 Definitions (business day, consummation, residential mortgage transaction)
  260. 26012 CFR 1026.19 LE/CD timing and tolerances
  261. 26112 CFR 1026.20 ARM notices
  262. 26212 CFR 1026.23 Right of rescission
  263. 26312 CFR 1026.24 Advertising
  264. 26412 CFR 1026.32 HOEPA high-cost mortgages
  265. 26512 CFR 1026.32 Official interpretation (2024–2026 dollar adjustments)
  266. 26612 CFR 1026.35 Higher-priced mortgage loans
  267. 26712 CFR 1026.36 Loan originator rules; seller-financer exclusion; payment crediting
  268. 26812 CFR 1026.37 Loan Estimate
  269. 26912 CFR 1026.38 Closing Disclosure
  270. 27012 CFR 1026.40 HELOC rules
  271. 27112 CFR 1026.43 ATR / QM / prepayment penalties
  272. 27212 CFR 1002.2 Reg B definitions (prohibited basis)
  273. 27312 CFR 1002.5 Reg B requests for information
  274. 27412 CFR 1002.9 Reg B notifications
  275. 27512 CFR 1002.12 Reg B record retention
  276. 276Federal Register, Reg B amendment notice (2026)
  277. 277CFPB, discount points and lender credits
  278. 278CFPB, interest rate vs. APR
  279. 279CFPB, loan-to-value ratio
  280. 280CFPB, debt-to-income ratio
  281. 281CFPB, private mortgage insurance
  282. 282CFPB, balloon payment
  283. 283CFPB, interest-only loan
  284. 284CFPB, negative amortization
  285. 285CFPB, adjustable-rate mortgage
  286. 286CFPB, prepayment penalty
  287. 287CFPB, home equity loan
  288. 288CFPB, HELOC
  289. 289CFPB, reverse mortgages
  290. 290CFPB, loan options
  291. 291Fannie Mae Selling Guide B2-1.2-01 LTV ratios
  292. 292Fannie Mae Selling Guide B3-6-02 Debt-to-income ratios
  293. 293Fannie Mae Selling Guide B3-4.1-02 Interested party contributions
  294. 294O.C.G.A. § 44-14-60 Deed to secure debt
  295. 295O.C.G.A. § 44-14-161 Confirmation for deficiency
  296. 296O.C.G.A. § 44-14-162 Foreclosure advertising/recording
  297. 297O.C.G.A. § 44-14-162.2 30-day notice to debtor
  298. 298O.C.G.A. § 9-13-140 Sheriff's sale advertising
  299. 299O.C.G.A. § 9-13-161 First-Tuesday sales
  300. 300O.C.G.A. § 7-4-2 Legal rate of interest
  301. 301O.C.G.A. § 48-6-61 Intangible recording tax
  302. 302O.C.G.A. § 48-6-68 Bond for title
  303. 303Neighbors Bank, FHA MIP table 2026 (secondary)
  304. 304NerdWallet, FHA mortgage insurance (secondary)
  305. 305Neighbors Bank, USDA guarantee fee (secondary)
  306. 306AmeriSave, USDA guaranteed vs. direct 2026 (secondary)
  307. 307AmeriSave, Qualified mortgage 2026 (secondary)
  308. 308Gustan Cho Associates, HUD 4000.1 summary (secondary)
  309. 309LegalClarity, HUD 4000.1 FHA requirements (secondary)
  310. 310VA Loan Network, VA funding fee 2026 (secondary)
  311. 311MilitaryToolkit, VA loans guide (secondary)
  312. 312Military.com, 2026 VA loan limits (secondary)
  313. 313Georgia Title & Escrow, Georgia deeds and security deeds (secondary)
  314. 314O.C.G.A. § 13-3-1 Essentials of contracts
  315. 315O.C.G.A. § 13-3-2 Consent of parties essential
  316. 316O.C.G.A. § 13-3-3 Acceptance by letter effective when sent
  317. 317O.C.G.A. § 13-3-4 Conditions precedent and subsequent
  318. 318O.C.G.A. § 13-3-20 Minors' contracts
  319. 319O.C.G.A. § 13-3-24 Mentally incompetent persons
  320. 320O.C.G.A. § 13-3-40 Consideration essential; nudum pactum
  321. 321O.C.G.A. § 13-3-41 Good and valuable consideration
  322. 322O.C.G.A. § 13-3-42 Bargained-for exchange
  323. 323O.C.G.A. § 13-3-43 No benefit/detriment requirement
  324. 324O.C.G.A. § 13-3-44 Promissory estoppel
  325. 325O.C.G.A. § 13-2-1 Construction question of law
  326. 326O.C.G.A. § 13-2-2 Rules of interpretation; parol evidence
  327. 327O.C.G.A. § 13-1-8 Entire and severable contracts
  328. 328O.C.G.A. § 13-1-11 Attorney's fees on notes
  329. 329O.C.G.A. § 13-4-4 Mutual departure
  330. 330O.C.G.A. § 13-4-5 Subsequent contract; new parties
  331. 331O.C.G.A. § 13-4-20 Performance
  332. 332O.C.G.A. § 13-4-60 Rescission for fraud
  333. 333O.C.G.A. § 13-4-62 Rescission for nonperformance
  334. 334O.C.G.A. § 13-4-101 Accord and satisfaction
  335. 335O.C.G.A. § 13-5-4 Mutual mistake
  336. 336O.C.G.A. § 13-5-5 Fraud
  337. 337O.C.G.A. § 13-5-6 Duress
  338. 338O.C.G.A. § 13-5-30 Statute of Frauds
  339. 339O.C.G.A. § 13-5-31 Exceptions to Statute of Frauds
  340. 340O.C.G.A. § 13-6-2 Damages recoverable
  341. 341O.C.G.A. § 13-6-7 Liquidated damages
  342. 342O.C.G.A. § 13-8-2 Contracts against public policy
  343. 343O.C.G.A. § 23-2-130 Specific performance
  344. 344O.C.G.A. § 9-3-23 Instruments under seal, 20 years
  345. 345O.C.G.A. § 9-3-24 Written contracts, 6 years
  346. 346O.C.G.A. § 9-3-25 Oral contracts, 4 years
  347. 347O.C.G.A. § 10-12-2 UETA definitions
  348. 348O.C.G.A. § 10-12-3 UETA scope
  349. 349O.C.G.A. § 10-12-5 UETA agreement to transact electronically
  350. 350O.C.G.A. § 10-12-7 UETA legal effect
  351. 351O.C.G.A. § 10-6A-5 Duties of broker engaged by seller
  352. 352O.C.G.A. § 10-6A-7 Duties of broker engaged by buyer
  353. 353O.C.G.A. § 43-40-25 Unfair trade practices (license law)
  354. 354O.C.G.A. § 44-2-6 Recording bonds for title and contracts to convey
  355. 355O.C.G.A. § 44-5-30 Deed requisites
  356. 356O.C.G.A. § 44-7-2 Parol leases; non-waivable rights; attorney fees
  357. 357O.C.G.A. § 44-7-6 Tenancy at will where no time specified
  358. 358O.C.G.A. § 44-7-7 Tenancy at will notice
  359. 359O.C.G.A. § 44-7-30.1 Security deposit limit (text via Georgia Appleseed Safe at Home Bench Card, App. A)
  360. 360H.B. 404 (2024) Safe at Home Act, enrolled bill
  361. 361O.C.G.A. § 44-7-31 Security deposit escrow
  362. 362O.C.G.A. § 44-7-33 Damage lists, inspections
  363. 363O.C.G.A. § 44-7-34 Return of deposit within one month
  364. 364O.C.G.A. § 44-7-35 Treble damages
  365. 365O.C.G.A. § 44-7-36 Ten-or-fewer-units exemption
  366. 366GREC Rule 520-1-.06 Brokerage Relationships
  367. 367GREC Rule 520-1-.08 Trust Accounts
  368. 368GREC Rule 520-1-.10 Handling Real Estate Transactions
  369. 369GREC Chapter 520-1 index
  370. 37015 U.S.C. § 7001 E-SIGN general rule and consumer consent
  371. 37115 U.S.C. § 7003 E-SIGN exceptions
  372. 37215 U.S.C. ch. 96 full text (govinfo)
  373. 37315 U.S.C. § 7006 E-SIGN definitions
  374. 37412 CFR § 1026.36(a)(4)–(5) seller-financer exclusions (CFPB)
  375. 37512 CFR § 1026.36 (LII)
  376. 37638 CFR § 36.4303 VA escape clause
  377. 37712 CFR § 1024.2 RESPA definitions
  378. 378GSCCCA URPERA page
  379. 379Smith, Gambrell & Russell — SB 37 amendment to Statute of Frauds
  380. 380LegalClarity — Georgia Statute of Frauds
  381. 381GAR 2020 Contracts Update handout (includes full text of F201, F401, F407, F510, F511, F704, form-change list)
  382. 382GAR vs. RE Forms 2020 Contracts Review (GREC course #71682)
  383. 383Georgia Title & Escrow — Due Diligence Period guide
  384. 384Own Luxury Homes — Georgia due diligence period
  385. 385StartRentToOwn — Rent-to-own laws Georgia
  386. 386Riooapp — Georgia landlord-tenant law under Title 44
  387. 387Azibo — Georgia security deposit laws 2024
  388. 388Rentable — Georgia security deposit guide
  389. 389Landlord-Tenant-Law.com Georgia summary
  390. 390American Landlord — Georgia tenancy at will
  391. 391Freeman Mathis & Gary — BRRETA duties
  392. 392InMotion Real Estate Institute — License Law in Plain English handout (reproduces Rule 520-1-.10 and § 43-40-25)
  393. 393RealEstateU — Georgia license law chapter
  394. 394RealEstateU — Real Estate Contract Law chapter
  395. 395PrepAgent — Essentials of a Valid Contract
  396. 396Modern Real Estate Practice 20th ed., Unit 11 lecture outline (Kaplan)
  397. 397Capital Real Estate School — PSI Topic 3 Contracts study notes
  398. 398NAR — Multiple Offers
  399. 399NAR — 2026 Code of Ethics and Standards of Practice
  400. 400UpCounsel — Time is of the essence
  401. 401HomeLight — Time is of the essence clause
  402. 402LII Wex entries: meeting_of_the_minds, consideration, capacity, express_contract, bilateral_contract, unilateral_contract, unenforceable, counteroffer, mailbox_rule, revocation, option_contract, statute_of_frauds, parol_evidence_rule, time_is_of_the_essence, assignment, novation, accord_and_satisfaction, rescission, specific_performance, liquidated_damages, compensatory_damages, reformation, quantum_meruit, impossibility, condition_precedent, waiver, contract_for_deed, lease_option, lease, gross_lease, net_lease, sublease, periodic_tenancy, tenancy_at_sufferance, escrow, addendum, exculpatory_clause, undue_influence, duress, fraud, statute_of_limitations, contingency, electronic_signature
  403. 403PSI Georgia Real Estate Candidate Information Bulletin (local copy psi-ga-bulletin.txt; content outline lines 731-757, score sample lines 1326-1332)
  404. 404Colibri — Georgia exam format summary (152 questions, 100/52, 4 hours, 75%)
  405. 405PSI / Georgia Real Estate Commission Candidate Information Bulletin (content outline, fees, study references)
  406. 406O.C.G.A. Title 10, Chapter 6A (BRRETA) — chapter index
  407. 407O.C.G.A. § 10-6A-1 Short title
  408. 408O.C.G.A. § 10-6A-2 Legislative findings
  409. 409O.C.G.A. § 10-6A-3 Definitions
  410. 410O.C.G.A. § 10-6A-3 Definitions (second copy)
  411. 411O.C.G.A. § 10-6A-4 Broker's legal relationship to customers or clients
  412. 412O.C.G.A. § 10-6A-5 Duties of broker engaged by seller
  413. 413O.C.G.A. § 10-6A-6 Duties of broker engaged by landlord
  414. 414O.C.G.A. § 10-6A-7 Duties of broker engaged by buyer
  415. 415O.C.G.A. § 10-6A-9 Duration of relationships
  416. 416O.C.G.A. § 10-6A-10 Duties prior to entering brokerage engagement
  417. 417O.C.G.A. § 10-6A-11 Compensation does not determine relationship
  418. 418O.C.G.A. § 10-6A-12 Broker acting as dual agent
  419. 419O.C.G.A. § 10-6A-13 Designated agency
  420. 420O.C.G.A. § 10-6A-14 Ministerial acts; transaction brokers
  421. 421O.C.G.A. § 10-6A-15 Common source information companies
  422. 422O.C.G.A. § 10-6A-16 Regulation
  423. 423O.C.G.A. § 43-40-25 Unfair trade practices; sanctions
  424. 424O.C.G.A. § 44-1-16 Stigmatized property
  425. 425O.C.G.A. § 10-6B-4 Durability of POA
  426. 426O.C.G.A. § 10-6B-5 Execution of POA
  427. 427O.C.G.A. § 10-6B-10 Termination of POA
  428. 428O.C.G.A. § 10-6B-70 Statutory form POA
  429. 429Ga. Comp. R. & Regs. 520-1-.06 Brokerage Relationships
  430. 430Ga. Comp. R. & Regs. 520-1-.10 Handling Real Estate Transactions
  431. 431Ga. Comp. R. & Regs. 520-1-.11 Licensees Acting as Principals
  432. 432GREC Recent Law Updates (4/15/2025)
  433. 433GAR F110 Exclusive Buyer Brokerage Engagement Agreement, 01/01/26, annotated CE handout
  434. 434GAR Legal FAQs
  435. 435NAR Settlement FAQs
  436. 436Nolo, Georgia Power of Attorney Laws
  437. 437RecordingLaw, Georgia Power of Attorney Laws
  438. 438Freeman Mathis & Gary, Unlocking BRRETA
  439. 439RMAA Resources, Brokers in Georgia Do Not Owe a Fiduciary Duty to Clients
  440. 440LegalClarity, BRRETA in Georgia Real Estate
  441. 441Atlanta Agent Magazine, Georgia law and private listing networks (July 2026)
  442. 442RealEstateU, Chapter 23 Law of Agency
  443. 443RealEstateU, Chapter 24 Georgia BRRETA
  444. 444Passd, Georgia real estate exam: BRRETA
  445. 445PrepAgent, Types of Listings
  446. 446PrepAgent, Creating Agency Relationships
  447. 447Dummies, Agency Relationships for the Real Estate License Exam
  448. 448Colibri Real Estate, Fiduciary Duty in Real Estate
  449. 449Colibri Real Estate, Types of Listing Agreements
  450. 450MLS Campus, OLD CAR fiduciary duties
  451. 451Superior School of Real Estate, Agency Types
  452. 452USLegal, Duration and Termination of Agency
  453. 453Study.com, Termination of Agency in Real Estate
  454. 454AceableAgent, What is on the Georgia Salesperson Exam
  455. 455VanEd, Georgia Real Estate Exam
  456. 456Dearborn, Modern Real Estate Practice, 21st ed. (Galaty, Allaway, Kyle, Williams), ISBN 978-1-0788-1887-2 — listed in the PSI bulletin as the first national-portion reference
  457. 457PSI Georgia Real Estate Commission Candidate Information Bulletin (PDF; content outline, exam structure, study references)
  458. 458O.C.G.A. § 44-7-1 (landlord-tenant relationship; usufruct/5-year rule)
  459. 459O.C.G.A. § 44-7-2 (non-waivable provisions; reciprocal attorney's fees)
  460. 460O.C.G.A. § 44-7-3 (disclosure of owner and manager)
  461. 461O.C.G.A. § 44-7-4 (local minimum security standards)
  462. 462O.C.G.A. § 44-7-5 (implied obligation to pay rent)
  463. 463O.C.G.A. § 44-7-6 (tenancy at will when no time specified)
  464. 464O.C.G.A. § 44-7-7 (60/30-day notice)
  465. 465O.C.G.A. § 44-7-8 (emblements)
  466. 466O.C.G.A. § 44-7-9 (tenant may not dispute landlord's title)
  467. 467O.C.G.A. § 44-7-11 (tenant's rights limited to use)
  468. 468O.C.G.A. § 44-7-12 (trade fixtures)
  469. 469O.C.G.A. § 44-7-13 (landlord duty to repair; (b) warranty of habitability per Bench Card)
  470. 470O.C.G.A. § 44-7-14 (landlord tort liability)
  471. 471O.C.G.A. § 44-7-14.1 (utilities; no shut-off during dispossessory; $500 fine)
  472. 472O.C.G.A. § 44-7-15 (casualty does not abate rent)
  473. 473O.C.G.A. § 44-7-16 (rent bears interest from due date)
  474. 474O.C.G.A. § 44-7-19 (rent-control preemption)
  475. 475O.C.G.A. § 44-7-20 (flood disclosure)
  476. 476O.C.G.A. § 44-7-21 (commercial lease commission agreements)
  477. 477O.C.G.A. § 44-7-22 (service member lease termination)
  478. 478O.C.G.A. § 44-7-23 (family violence lease termination)
  479. 479O.C.G.A. § 44-7-24 (retaliation)
  480. 480O.C.G.A. § 44-7-30 (security deposit definitions)
  481. 481O.C.G.A. § 44-7-30.1 (two-month cap), § 44-7-13(b), § 44-7-14.1(a), § 44-7-50(c)–(d) as quoted in Georgia Appleseed, Georgia's Safe at Home Act: A Bench Card for Georgia Magistrate Judges
  482. 482O.C.G.A. § 44-7-31 (escrow of deposits)
  483. 483O.C.G.A. § 44-7-32 (surety bond)
  484. 484O.C.G.A. § 44-7-33 (move-in/move-out lists)
  485. 485O.C.G.A. § 44-7-34 (return of deposit)
  486. 486O.C.G.A. § 44-7-35 (forfeiture; treble damages)
  487. 487O.C.G.A. § 44-7-36 (ten-or-fewer-units exemption)
  488. 488O.C.G.A. § 44-7-49 (definitions, writ of possession)
  489. 489O.C.G.A. § 44-7-50 (demand for possession; affidavit)
  490. 490O.C.G.A. § 44-7-51 (summons; 7-day answer)
  491. 491O.C.G.A. § 44-7-52 (tender defense)
  492. 492O.C.G.A. § 44-7-53 (writ instanter on default)
  493. 493O.C.G.A. § 44-7-54 (rent into registry)
  494. 494O.C.G.A. § 44-7-55 (judgment; writ effective 7 days; abandoned property; 30-day execution)
  495. 495O.C.G.A. § 44-7-56 (appeal within 7 days)
  496. 496O.C.G.A. § 44-7-59 (transportable housing; $4/day storage)
  497. 497O.C.G.A. § 44-7-70 (distress warrants)
  498. 498O.C.G.A. § 43-40-1 (license law definitions)
  499. 499O.C.G.A. § 43-40-20 (trust accounts)
  500. 500O.C.G.A. § 43-40-25 (unfair trade practices)
  501. 501O.C.G.A. § 43-40-29 (license exemptions)
  502. 502O.C.G.A. § 8-3-202 (Georgia Fair Housing unlawful practices)
  503. 503O.C.G.A. § 8-3-205 (Georgia Fair Housing exemptions)
  504. 504GREC Rule 520-1-.06 Brokerage Relationships (property management agreement contents)
  505. 505GREC Rule 520-1-.07 Management Responsibilities of Real Estate Firms
  506. 506GREC Rule 520-1-.08 Managing Trust Accounts and Trust Funds
  507. 507GREC Rule 520-1-.09 Advertising
  508. 508GREC Rule 520-1-.11 Licensees Acting as Principals
  509. 509Ga. Comp. R. & Regs. 186-2-.06 Fair Housing Advertising
  510. 510Georgia Commission on Equal Opportunity, Fair Housing FAQ
  511. 511Georgia Landlord-Tenant Handbook (Georgia DCA / Attorney General Consumer Protection Division)
  512. 512Georgia Appleseed, Safe at Home Act resource page
  513. 513NLIHC, Georgia Passes New Tenant Protection Law (HB 404)
  514. 514Excalibur Homes, Georgia House Bill 404 Safe at Home Act
  515. 515Georgia State University Law Review, HB 404: The Safe at Home Act
  516. 516Atlanta Civic Circle, HB 399 out-of-state landlords
  517. 517Rent Appeal, Georgia HB 399
  518. 518TurboTenant, Georgia Rent Increase Laws
  519. 51942 U.S.C. § 1982 (Civil Rights Act of 1866)
  520. 52042 U.S.C. § 3602 (FHA definitions)
  521. 52142 U.S.C. § 3603 (FHA exemptions)
  522. 52242 U.S.C. § 3604 (FHA unlawful practices; disability)
  523. 52342 U.S.C. § 3605 (residential real estate-related transactions)
  524. 52442 U.S.C. § 3606 (brokerage services)
  525. 52542 U.S.C. § 3607 (religious, private club, older persons, drug conviction)
  526. 52642 U.S.C. § 3610 (HUD complaint, 1 year, 100 days)
  527. 52742 U.S.C. § 3612 (ALJ; election; penalties)
  528. 52842 U.S.C. § 3613 (private action, 2 years)
  529. 52942 U.S.C. § 3617 (interference, coercion)
  530. 53024 CFR 100.60 (unlawful rental conduct)
  531. 53124 CFR 100.75 (discriminatory advertisements)
  532. 53224 CFR 100.201 (definitions)
  533. 53324 CFR 100.202 (permitted/prohibited inquiries)
  534. 53424 CFR 100.203 (reasonable modifications)
  535. 53524 CFR 100.204 (reasonable accommodations)
  536. 53624 CFR 100.205 (design and construction)
  537. 53724 CFR 100.305 (80 percent occupancy)
  538. 53824 CFR 100.307 (verification of occupancy)
  539. 53924 CFR 100.500 (discriminatory effect)
  540. 54024 CFR 180.671 (FHA civil penalties, 2025)
  541. 54124 CFR 30.65 (lead disclosure civil penalty, 2025)
  542. 542HUD/DOJ Joint Statement, Reasonable Accommodations under the Fair Housing Act (2004)
  543. 543HUD/DOJ Joint Statement, Reasonable Modifications under the Fair Housing Act (2008)
  544. 544HUD FHEO-2020-01 Assistance Animals notice (summarized) — Fair Housing Project NC
  545. 545HUD FHEO-2020-01 (summarized) — NLIHC
  546. 546HUD 2016 OGC criminal-records guidance (summarized) — Fair Housing Project NC
  547. 547Nelson Mullins, HUD Just Reset the Rules (Dec. 9, 2025 rescission of criminal-records guidance)
  548. 548ADA.gov, Service Animals (2010 Requirements)
  549. 549ADA.gov, Service Animals FAQs
  550. 55042 U.S.C. § 12181 (ADA Title III public accommodations)
  551. 55142 U.S.C. § 12182 (ADA barrier removal)
  552. 55229 U.S.C. § 794 (Section 504)
  553. 55315 U.S.C. § 1681b (FCRA permissible purposes)
  554. 55415 U.S.C. § 1681m (FCRA adverse action)
  555. 555FTC, Using Consumer Reports: What Landlords Need to Know
  556. 55642 U.S.C. § 4852d (lead disclosure statute)
  557. 55740 CFR 745.101 (lead rule scope/exemptions)
  558. 55840 CFR 745.103 (lead definitions)
  559. 55940 CFR 745.107 (lead disclosure requirements)
  560. 56040 CFR 745.113 (lead certification and 3-year records)
  561. 56140 CFR 745.118 (lead enforcement)
  562. 562EPA, Real Estate Disclosures about Potential Lead Hazards
  563. 563EPA, Lead-Based Paint Disclosure Rule (Section 1018)
  564. 56450 U.S.C. § 3955 (SCRA lease termination)
  565. 565Military OneSource, SCRA: Terminating a Lease
  566. 566Rentec Direct, Property Management Math
  567. 567Wikipedia, Gross rent multiplier
  568. 568Study.com, NOI and GRM
  569. 569Wikipedia, Lease (types of tenancy; gross lease)
  570. 570Wikipedia, Constructive eviction
  571. 571Cornell LII Wex, Quiet enjoyment
  572. 572Wikipedia, Institute of Real Estate Management
  573. 573Oregon Real Estate Agency, Elements of a Property Management Agreement
  574. 574RealPage, Avoiding, Transferring and Mitigating Risk in Property Management
  575. 575Dearborn Modern Real Estate Practice, Property Management unit (secondary, via study aids)
  576. 576Fair Housing Act declaration of policy, 42 U.S.C. 3601
  577. 577Fair Housing Act definitions, 42 U.S.C. 3602
  578. 578Fair Housing Act exemptions, 42 U.S.C. 3603
  579. 579Discrimination in sale or rental of housing, 42 U.S.C. 3604
  580. 580Discrimination in residential real estate-related transactions, 42 U.S.C. 3605
  581. 581Discrimination in provision of brokerage services, 42 U.S.C. 3606
  582. 582Religious organization, private club and older persons exemptions, 42 U.S.C. 3607
  583. 583Administrative enforcement, 42 U.S.C. 3610
  584. 584Enforcement by the Secretary / ALJ penalties, 42 U.S.C. 3612
  585. 585Enforcement by private persons, 42 U.S.C. 3613
  586. 586Enforcement by the Attorney General, 42 U.S.C. 3614
  587. 587Interference, coercion, or intimidation, 42 U.S.C. 3617
  588. 588Civil Rights Act of 1866, 42 U.S.C. 1982
  589. 589HUD liability for discriminatory housing practices, 24 CFR 100.7
  590. 590Other prohibited sale and rental conduct (steering), 24 CFR 100.70
  591. 591Discriminatory advertisements, statements and notices, 24 CFR 100.75
  592. 592Discriminatory representations on the availability of dwellings, 24 CFR 100.80
  593. 593Reasonable modifications of existing premises, 24 CFR 100.203
  594. 594Design and construction requirements, 24 CFR 100.205
  595. 595Housing for persons 55 years of age or older, 24 CFR 100.304
  596. 596Discriminatory effect standard, 24 CFR 100.500
  597. 597Fair housing poster requirements, 24 CFR 110.30
  598. 598Assessing civil penalties for Fair Housing Act cases, 24 CFR 180.671
  599. 599HUD adjustment of civil monetary penalty amounts for 2025, 90 Fed. Reg. 24744
  600. 600OMB M-26-11, Cancellation of Penalty Inflation Adjustments for 2026
  601. 601HUD FHEO Memorandum implementing E.O. 13988 (Feb. 11, 2021)
  602. 602HUD announcement of SOGI enforcement under the Fair Housing Act
  603. 603HUD Equal Access Rule, 24 CFR 5.105
  604. 604HUD Notice FHEO-2020-01, Assessing a Person's Request to Have an Animal as a Reasonable Accommodation
  605. 605HUD Fact Sheet on the Assistance Animals Notice
  606. 606HUD Fair Housing Advertising, 24 CFR Part 109 (rescinded rule, retained as guidance)
  607. 60724 CFR Part 109 as published (1994), with Appendix I tables
  608. 608Fair Housing Advertising Manual
  609. 609Implementation of the Housing for Older Persons Act of 1995, 64 Fed. Reg. 16324
  610. 610ADA Title III Technical Assistance Manual
  611. 611U.S. Access Board, ADA Accessibility Standards
  612. 612ADA service animal FAQs
  613. 613ADA guidance on web accessibility
  614. 614Qualified real estate agents and direct sellers, 26 U.S.C. 3508
  615. 615IRS Publication 15-A, Employer's Supplemental Tax Guide
  616. 616IRS Form 8300 reporting of cash payments over $10,000
  617. 617Sherman Act Section 1, 15 U.S.C. 1
  618. 618Clayton Act treble damages, 15 U.S.C. 15
  619. 619Alternative fine provision, 18 U.S.C. 3571
  620. 620Eighth Circuit affirmance of the broker commission antitrust settlement (2026)
  621. 621NAR settlement practice changes summary
  622. 622Telemarketing Sales Rule, 16 CFR Part 310
  623. 623TSR definitions (established business relationship), 16 CFR 310.2
  624. 624TSR abusive telemarketing acts or practices, 16 CFR 310.4
  625. 625FTC Do Not Call Registry enforcement
  626. 626FTC Q&A for telemarketers and sellers about DNC provisions in the TSR
  627. 627National Do Not Call Registry for telemarketers
  628. 628Telephone Consumer Protection Act, 47 U.S.C. 227
  629. 629Real estate DNC compliance guide (2026), Landvoice
  630. 630Illinois REALTORS, Do Not Call Registry legal hot topic
  631. 631FTC CAN-SPAM Act Compliance Guide for Business
  632. 632CAN-SPAM Rule, 16 CFR Part 316
  633. 633NAR guidance on spam email
  634. 634DOJ settlement with Meta Platforms on discriminatory housing ad delivery
  635. 635FTC Safeguards Rule: What Your Company Needs to Know
  636. 636FBI Internet Crime Complaint Center (wire fraud reporting)
  637. 637Lead-based paint disclosure, 42 U.S.C. 4852d
  638. 638Georgia Brokerage Relationships in Real Estate Transactions Act, O.C.G.A. Title 10, Ch. 6A
  639. 639Georgia Real Estate Brokers and Salespersons license law, O.C.G.A. Title 43, Ch. 40
  640. 640Georgia broker supervision and records, O.C.G.A. 43-40-18
  641. 641Georgia Real Estate Education, Research and Recovery Fund, O.C.G.A. 43-40-22
  642. 642Georgia grounds for discipline, O.C.G.A. 43-40-25
  643. 643Georgia Fair Housing Law, O.C.G.A. 8-3-200 et seq.
  644. 644GREC Rules, Chapter 520-1
  645. 645FinCEN (residential real estate reporting rule)
  646. 646Georgia Code § 43-40-1 — Definitions
  647. 647Georgia Code § 43-40-2 — Creation of Commission; Members; Meetings; Removal; Compensation; Annual Report
  648. 648Georgia Code § 43-40-3 — Determination of Fees by Commission
  649. 649Georgia Code § 43-40-3.1 — Rules and Regulations
  650. 650Georgia Code § 43-40-4 — Office of Commissioner
  651. 651Georgia Code § 43-40-7 — Application for Licenses; Confidentiality
  652. 652Georgia Code § 43-40-8 — Qualifications of Licensees; Courses; Lapse; Reinstatement; Continuing Education
  653. 653Georgia Code § 43-40-9 — Nonresident Licensees; Service of Process; Reciprocity
  654. 654Georgia Code § 43-40-10 — Requirements for Firm to Be Granted Broker's License
  655. 655Georgia Code § 43-40-12 — Fees; Inactive Status; Penalty Fees; Extension of Renewal Period
  656. 656Georgia Code § 43-40-14 — Power of Commission to Issue, Revoke, or Suspend Licenses
  657. 657Georgia Code § 43-40-15 — Grant, Revocation, or Suspension of Licenses; Other Sanctions
  658. 658Georgia Code § 43-40-16 — Refusal to Issue Licenses; Hearings; Judicial Review
  659. 659Georgia Code § 43-40-18 — Management of Firm and Licensed Affiliates
  660. 660Georgia Code § 43-40-19 — Change of Place of Business; Transfer of Licensees
  661. 661Georgia Code § 43-40-20 — Trust or Escrow Checking Account; When Entitled to Commission
  662. 662Georgia Code § 43-40-22 — Real Estate Education, Research, and Recovery Fund
  663. 663Georgia Code § 43-40-24 — Requisites for Maintenance of Action Under Chapter
  664. 664Georgia Code § 43-40-25 — Violations by Licensees, Schools, and Instructors; Sanctions; Unfair Trade Practices
  665. 665Georgia Code § 43-40-25.1 — Completion of Certain Forms Not Practice of Law
  666. 666Georgia Code § 43-40-25.2 — Alternative Disciplinary Procedures; Citations
  667. 667Georgia Code § 43-40-26 — Hearings Before Commission; Judicial Review
  668. 668Georgia Code § 43-40-27 — Investigation of Complaints; Subpoenas; Confidentiality
  669. 669Georgia Code § 43-40-29 — Exceptions to Operation of Chapter
  670. 670Georgia Code § 43-40-30 — Acting Without a License; Cease and Desist Order
  671. 671Georgia Code § 43-40-30.1 — Employer-Employee or Broker-Independent Contractor Relationships
  672. 672Georgia Code § 43-40-31 — Penalty
  673. 673Georgia Code Title 43 Chapter 40 index (section list)
  674. 674Ga. Comp. R. & Regs. Chapter 520-1 — Licensure and Brokerage, Rules 520-1-.01 through 520-1-.43 (official Georgia Secretary of State rules portal)
  675. 675Ga. Comp. R. & Regs. R. 520-1-.08 — Managing Trust Accounts and Trust Funds
  676. 676Cornell LII — Georgia Department 520 (Georgia Real Estate Commission) chapter index
  677. 677Georgia Code § 8-3-200 — State Policy; Purposes and Construction
  678. 678Georgia Code § 8-3-201 — Definitions
  679. 679Georgia Code § 8-3-202 — Unlawful Practices in Selling or Renting Dwellings; Exceptions
  680. 680Georgia Code § 8-3-203 — Unlawful Denial of Membership in MLS or Brokers' Organization
  681. 681Georgia Code § 8-3-204 — Discrimination in Residential Real Estate Related Transactions; Appraisals
  682. 682Georgia Code § 8-3-205 — Religious Organizations, Private Clubs; Housing for Older Persons
  683. 683Georgia Code § 8-3-208 — Discriminatory Housing Practice Complaint Procedures
  684. 684Georgia Code § 8-3-213 — State Action for Enforcement; Fines; Damages; Administrative Proceeding
  685. 685Georgia Code § 8-3-214 — Orders of Board of Commissioners
  686. 686Georgia Code § 8-3-217 — Civil Actions by Aggrieved Persons
  687. 687Georgia Code § 8-3-218 — Civil Actions by Attorney General
  688. 688Georgia Code § 8-3-221 — Cooperation With Federal and Local Agencies
  689. 689Georgia Code § 8-3-222 — Coercion, Intimidation, Threats, or Interference
  690. 690Georgia Code § 8-3-223 — Compliance With Federal Law
  691. 691FindLaw — Ga. Code § 43-40-2 (currency check)
  692. 692FindLaw — Ga. Code § 43-40-22 (currency check)
  693. 693FindLaw — Ga. Code § 43-40-25 (currency check)
  694. 694PSI Services — Georgia Real Estate Candidate Information Bulletin (exam fee, license fee, content outlines, item counts, veterans points)
  695. 695Georgia Real Estate Commission — Real Estate Salesperson Requirements
  696. 696O.C.G.A. § 44-14-60 (deed to secure debt passes title)
  697. 697O.C.G.A. § 44-14-30 (mortgage passes no title)
  698. 698O.C.G.A. § 44-14-31 (form of mortgage)
  699. 699O.C.G.A. § 44-14-33 (attestation of mortgages/security deeds)
  700. 700O.C.G.A. § 44-14-1 (open-end clauses)
  701. 701O.C.G.A. § 44-14-3 (cancellation within 60 days; $500)
  702. 702O.C.G.A. § 44-14-13 (good funds)
  703. 703O.C.G.A. § 44-14-63 (recording of security deeds; first-page contents)
  704. 704O.C.G.A. § 44-14-64 (transfers of security deeds)
  705. 705O.C.G.A. § 44-14-67 (cancellation reconveys title)
  706. 706O.C.G.A. § 44-14-80 (reversion of title)
  707. 707O.C.G.A. § 44-14-85 (withdrawal of foreclosure)
  708. 708O.C.G.A. § 44-14-160 (deed under power filed within 90 days)
  709. 709O.C.G.A. § 44-14-161 (confirmation for deficiency)
  710. 710O.C.G.A. § 44-14-162 (advertisement and conduct of power-of-sale foreclosure)
  711. 711O.C.G.A. § 44-14-162.1 ("debtor" defined)
  712. 712O.C.G.A. § 44-14-162.2 (30-day notice)
  713. 713O.C.G.A. § 44-14-162.3 (no waiver; deed in lieu)
  714. 714O.C.G.A. § 44-14-162.4 (recitals in deed under power)
  715. 715O.C.G.A. § 9-13-140 (advertisement weekly for four weeks)
  716. 716O.C.G.A. § 9-13-141 (once a week for four weeks)
  717. 717O.C.G.A. § 9-13-142 (legal organ)
  718. 718O.C.G.A. § 9-13-161 (first Tuesday, 10 a.m.–4 p.m., courthouse)
  719. 719O.C.G.A. § 44-2-1 (recording; race-notice)
  720. 720O.C.G.A. § 44-2-2 (clerk's recording; effect from filing)
  721. 721O.C.G.A. § 44-2-3 (unrecorded voluntary deed void vs BFP)
  722. 722O.C.G.A. § 44-2-15 (officers who may attest)
  723. 723O.C.G.A. § 44-5-30 (requisites of a deed)
  724. 724O.C.G.A. § 15-6-77 (recording fees, $25)
  725. 725O.C.G.A. § 15-19-50 (practice of law)
  726. 726O.C.G.A. § 48-6-1 (transfer tax rate)
  727. 727O.C.G.A. § 48-6-2 (transfer tax exemptions)
  728. 728O.C.G.A. § 48-6-3 (who pays transfer tax)
  729. 729O.C.G.A. § 48-6-4 (payment before recording; PT-61)
  730. 730O.C.G.A. § 48-6-60 (intangible tax definitions)
  731. 731O.C.G.A. § 48-6-61 (intangible tax rate, 90 days, $25,000 cap)
  732. 732O.C.G.A. § 48-6-62 (certification of payment)
  733. 733O.C.G.A. § 48-6-65 (renewals/refinancing)
  734. 734O.C.G.A. § 48-6-66 (instrument must state amount and due date)
  735. 735O.C.G.A. § 48-6-70 (out-of-state realty)
  736. 736O.C.G.A. § 48-6-77 (penalty; bar to foreclosure)
  737. 737O.C.G.A. § 48-5-7 (40% assessment)
  738. 738O.C.G.A. § 48-5-10 (January 1)
  739. 739O.C.G.A. § 48-5-24 (payment; penalties)
  740. 740O.C.G.A. § 48-5-44 ($2,000 homestead)
  741. 741O.C.G.A. § 48-5-45 (homestead application)
  742. 742O.C.G.A. § 48-2-40 (interest on unpaid taxes)
  743. 743O.C.G.A. § 48-2-56 (tax liens)
  744. 744O.C.G.A. § 43-40-25 (unfair trade practices, incl. (b)(20) closing statements)
  745. 745O.C.G.A. § 33-7-8 (title insurance defined)
  746. 746O.C.G.A. § 7-1-1000 (GRMA definitions)
  747. 747O.C.G.A. § 7-1-1001 (GRMA exemptions)
  748. 748O.C.G.A. § 7-1-1011 ($10 per-loan fee)
  749. 749O.C.G.A. § 7-6A-1 (GFLA short title)
  750. 750O.C.G.A. § 7-6A-2 (GFLA definitions/thresholds)
  751. 751O.C.G.A. § 7-6A-3 (all home loans)
  752. 752O.C.G.A. § 7-6A-4 (flipping)
  753. 753O.C.G.A. § 7-6A-5 (high-cost home loans)
  754. 754Ga. Comp. R. & Regs. 520-1-.08 (trust accounts)
  755. 755Ga. Comp. R. & Regs. 520-1-.10 (handling transactions)
  756. 756Ga. Comp. R. & Regs. 560-11-2-.16 (PT-61 filing)
  757. 757Ga. Comp. R. & Regs. 560-11-8-.02 (intangible tax rate)
  758. 758Ga. Comp. R. & Regs. 560-11-8-.03 (short-term notes)
  759. 759Ga. Comp. R. & Regs. 560-11-8-.14 (intangible tax exemptions)
  760. 760Georgia DOR, Real Estate Transfer Tax
  761. 761Georgia DOR, Intangible Recording Tax
  762. 762Georgia.gov, Pay Property Taxes
  763. 763GSCCCA, PT-61 eFiling
  764. 764Georgia DCA, Georgia Dream Mortgage Products
  765. 765Georgia DCA, Georgia Dream (product page)
  766. 766Georgia.gov, Apply for the Georgia Dream Homeownership Program
  767. 767FHA.com, Georgia Dream Down Payment Assistance (secondary)
  768. 768mortgage-info.com, Georgia Dream 2026 guide (secondary)
  769. 769Georgia DBF, Mortgage Brokers and Mortgage Lenders
  770. 770Georgia DBF, GRMA FAQ
  771. 771Georgia DBF, Mortgage Loan Originators
  772. 772Georgia DBF, Georgia Fair Lending Act Resources
  773. 773In re UPL Advisory Opinion 2003-2, 277 Ga. 472 (Ga. Nov. 10, 2003)
  774. 774State Bar of Georgia, Formal Advisory Opinion 23-1 (Jan. 23, 2025)
  775. 775Trust Accounting Handbook for Georgia Real Estate Closing Attorneys (FNF; reprints FAO 13-1, 04-1, 91-2, 44-14-13 note)
  776. 776Bouhan Falligant, Georgia Supreme Court Closes Door on Witness Only Closings
  777. 777R.S. Johnson Legal, Why Georgia Requires an Attorney at Closing
  778. 77812 CFR § 1026.19 (LII)
  779. 77912 CFR § 1026.2 (LII)
  780. 78012 CFR § 1024.6 (LII)
  781. 781CFPB, TILA-RESPA Integrated Disclosure FAQs
  782. 782PSI, Georgia Real Estate Commission Candidate Information Bulletin
  783. 783Georgia Title & Escrow, Georgia Ad Valorem Property Taxes
  784. 784Georgia Title & Escrow, Georgia Recording Fees
  785. 785TOKN, New Georgia Law Simplifies Real Estate Recording Costs
  786. 786Gwinnett County Tax Commissioner, Deadlines and Due Dates
  787. 787Paulding County, Tax FAQ
  788. 788JVM Lending, When Are Property Taxes Due in Georgia
  789. 789Martin Snow LLP, Tax Proration
  790. 790Slepian & Schwartz, How Taxes are Prorated
  791. 791Generis, Property Tax Proration at Closing in Georgia
  792. 792GAR, Changes to the 2025 GAR Contract Forms
  793. 793RealEstateU, Chapter 17 Financial Legislation in Georgia (secondary)