Loan Estimate Challenges
Georgia’s Biggest LE Challenges

Perhaps Georgia’s most notable feature (in terms of LE challenges) is that it’s part of the class of so-called “attorney states.” 

Attorney States

In attorney states, a licensed attorney is required to oversee real estate closings, usually performed in-house. In many ways, the attorney takes the place of the escrow company. Needless to say, the closing fee is directed to the attorney in these jurisdictions. While each of the attorney states has its own unique laws and rules regarding the closing process, the respective Secretaries of State and state bar associations are charged with maintaining the integrity of these requirements.

Recording Fees

In Georgia, recording fees are uniform statewide.

Applicable, unique laws

The only other LE feature of note in Georgia is the existence of the Georgia Residential Mortgage Act (GRMA), which mandates a $10 per loan fee at closing. That fee, in turn, is directed to the Georgia Department of Banking and Finance for the purposes of oversight and enforcement.


Last edited July 14, 2023

LodeStar Software Solutions prides itself on being the most accurate provider of the most up-to-date closing fees in the mortgage industry—so much so that we guarantee those rates. However, unlike the closing fee data we provide our clients through our product, LodeStar can only guarantee the accuracy of the content delivered through LE Challenges at the time of publication.LE Challenges is published solely for marketing and advertising purposes to provide an example of the depth and breadth of our commitment to providing accurate closing fees to its clients. While we do our best to update the content of LE Challenges as often as possible, the data shared here is in no way intended to serve as data to be relied upon in the generation of an actual Loan Estimate or any other element of a mortgage transaction.



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