10-Question Georgia State Practice Check

Try 10 Georgia questions before moving on to the full state test. This short sample covers license law, brokerage practice, and finance and closing. Answer without notes, then use the explanations to work out which rules need another look.

Facts checked against the current PSI Candidate Information Bulletin and GREC sources.

10 questions, all freeNo sign-upExplanations and repair links

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The Georgia Real Estate Education, Research and Recovery Fund primarily exists to:

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34% of the real exam is Georgia law. 52 of 152 questions.

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All 10 questions and explanations

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1. The Georgia Real Estate Education, Research and Recovery Fund primarily exists to:State Laws and Rules. Open choices and explanation.

A.Pay the Commission's day-to-day operating costs
B.Insure brokers against errors and omissions claims
C.Pay the fines the Commission imposes on licensees
D.Compensate consumers harmed by licensee violations

Answer D: Compensate consumers harmed by licensee violations

The fund reimburses members of the public who win a court judgment against a licensee for a violation and cannot collect it. It is not insurance for the licensee: payment from the fund leads to revocation of the license, and the licensee must repay the fund.

Why each choice works or fails

A. Misconception: fund money runs the agency. Operating costs are not the fund's purpose.
B. Misconception: the fund is licensee insurance. A payout leads to revocation and the licensee must repay the fund.
C. Misconception: the fund covers discipline. Fines are the licensee's own obligation.
D. Correct. The fund protects the public when a judgment against a licensee cannot be collected.

Rule to remember: The Recovery Fund protects the public, not the licensee.

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2. A Georgia salesperson asks a seller to pay the salesperson's share of the commission directly, without telling the salesperson's broker. Accepting that payment is:Real Estate Practice in Georgia. Open choices and explanation.

A.Permitted, because the sale has already closed
B.Permitted, if the salesperson reports it as taxable income
C.A violation, because the broker has not consented to it
D.A violation only if it exceeds the agreed commission split

Answer C: A violation, because the broker has not consented to it

Georgia license law makes it an unfair practice for a licensee to accept a commission or other valuable consideration from anyone other than the broker holding the license, without that broker's consent. Closing, the split amount, and tax reporting do not change who may pay the licensee.

Why each choice works or fails

A. Misconception: closing ends the rules. Closing does not change who may pay a licensee.
B. Misconception: tax compliance equals license compliance. Reporting income does not supply the broker's consent.
C. Correct. A licensee may accept compensation from someone other than the broker only with that broker's consent.
D. Misconception: only overpayment matters. Any payment outside the broker without consent is the violation, whatever the amount.

Rule to remember: A licensee may accept compensation only from the broker holding the license, unless that broker consents.

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3. A Georgia broker assigns one affiliated licensee to exclusively represent the seller and another to exclusively represent the buyer in the same transaction. This arrangement is:Real Estate Practice in Georgia. Open choices and explanation.

A.Transaction brokerage
B.Designated agency
C.Dual agency
D.Subagency

Answer B: Designated agency

Georgia permits designated agency, where each designated agent represents only that agent's own client. A proper designation does not make the broker or firm a dual agent, and knowledge is not imputed between the designated agents.

Why each choice works or fails

A. Misconception: any two-sided firm deal is transaction brokerage. A transaction broker represents neither party; here each agent represents a client.
B. Correct. Assigning separate agents to each client is designated agency.
C. Misconception: one firm on both sides is always dual agency. A proper designation does not make the broker a dual agent.
D. Misconception: in-house cooperation is subagency. Subagency involves another broker helping the listing broker.

Rule to remember: Designated agency lets one firm serve both sides through separate agents without becoming a dual agent.

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4. A Georgia lender is preparing a non-judicial foreclosure under a power of sale. All of the following are required EXCEPT:Finance and Closing. Open choices and explanation.

A.A court order authorizing the sale before it may be advertised
B.Conducting the sale on the first Tuesday of the month during legal sale hours
C.Giving the debtor the prescribed notice at least 30 days before the sale date
D.Publication of the notice of sale in the county's legal organ once a week for four weeks before the sale

Answer A: A court order authorizing the sale before it may be advertised

Non-judicial foreclosure is exercised under the power of sale in the security deed, so no court order is needed. The creditor must follow Georgia's notice, publication, timing, and sale-location rules. When the prescribed notice is properly mailed, it is deemed given on the official postmark date; actual receipt is not required.

Why each choice works or fails

A. No court order is needed; the power of sale supplies the authority.
B. Sales follow sheriff's-sale timing: the first Tuesday of the month during legal sale hours.
C. The creditor must give the prescribed notice at least 30 days before the proposed sale. Proper mailing completes notice on the official postmark date.
D. The notice runs in the county legal organ once a week for the four weeks before the sale.

Rule to remember: Georgia power-of-sale foreclosure requires statutory notice, four weeks of publication, and a first-Tuesday sale, but no court order.

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5. A borrower conveys legal title directly to a lender as security for a debt, with no trustee. Which Georgia instrument is described?Finance and Closing. Open choices and explanation.

A.Mortgage
B.Deed of trust
C.Security deed
D.Land contract

Answer C: Security deed

A security deed, also called a deed to secure debt, conveys legal title to the lender as collateral. The borrower retains equitable rights. The direct borrower-to-lender conveyance distinguishes it from a three-party deed of trust.

Why each choice works or fails

A. A Georgia mortgage creates a lien rather than making the legal-title conveyance described.
B. A deed of trust uses a third-party trustee; this question expressly excludes one.
C. Correct. Georgia uses the security deed (deed to secure debt).
D. Wrong. A land contract is seller financing where the seller keeps title, not a lender's security instrument.

Rule to remember: A Georgia security deed conveys legal title as security for the debt; a Georgia mortgage creates a lien.

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6. A new Georgia salesperson received an original license this month. Which education requirement comes due first?State Laws and Rules. Open choices and explanation.

A.A 25-hour post-license course within one year of licensure
B.A 25-hour post-license course before the first license renewal
C.36 hours of continuing education within one year of licensure
D.A 3-hour license law course within one year of licensure

Answer A: A 25-hour post-license course within one year of licensure

A new salesperson must finish a Commission-approved post-license course of at least 25 hours within one year of the original license. That is its own deadline. The 36 CE hours, including 3 hours of license law, are due by the end of each renewal period; the post-license course does not replace them, though GREC Rule 520-2-.04(13)(a) lets it count as 9 of those hours for the first renewal.

Why each choice works or fails

A. Correct. The 25-hour post-license course is due within one year of the original license.
B. Misconception: tying post-license to renewal. The course has its own one-year deadline, well before the first renewal.
C. Misconception: mixing up the hour counts. 36 hours is the continuing education total for each renewal period, not the first-year course.
D. Misconception: treating license law CE as the first obligation. The 3 license law hours are part of the 36 CE hours due by renewal.

Rule to remember: Georgia salespersons: 25-hour post-license course within year one; 36 CE hours each renewal period.

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7. A Georgia salesperson's firm uses a sales contract form prepared by the firm's attorney instead of a Georgia REALTORS form. Is that permitted?Real Estate Practice in Georgia. Open choices and explanation.

A.No, every sale must use a Commission-issued form
B.Yes, licensees may complete contract forms prepared by legal counsel
C.Only if GREC approves the form for that transaction
D.Only if the salesperson also holds a law license

Answer B: Yes, licensees may complete contract forms prepared by legal counsel

O.C.G.A. § 43-40-25.1 allows licensees to complete sales contract forms prepared by legal counsel. That permission is not limited to a particular trade association's forms and does not require GREC to approve each contract.

Why each choice works or fails

A. The statute does not require a Commission-issued sales contract.
B. Correct. A form prepared by the firm's attorney meets the counsel-prepared requirement.
C. GREC approval of each transaction's form is not required by this provision.
D. The statute permits real estate licensees to complete counsel-prepared forms without becoming attorneys.

Rule to remember: Use contract forms prepared by legal counsel; the permission is not limited to GAR forms.

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8. A mortgage broker pays a licensee solely for referring a buyer who closes a federally related mortgage loan. The licensee provides no other service for that payment. This is:Real Estate Practice in Georgia. Open choices and explanation.

A.Permitted if each fee is under $500
B.A kickback that violates RESPA
C.Permitted with written disclosure to the buyer
D.Permitted because both parties are licensed

Answer B: A kickback that violates RESPA

RESPA prohibits giving or accepting a fee or thing of value for referring settlement service business on a federally related mortgage loan. Disclosure does not cure a payment made for a referral when no actual service was performed.

Why each choice works or fails

A. Misconception: small fees are excused. RESPA sets no dollar threshold for referral fees.
B. Correct. A payment for referring settlement service business violates RESPA.
C. Misconception: disclosure cures it. Disclosure does not legalize a fee paid for a referral.
D. Misconception: professional licenses create an exception. Holding a license does not permit referral fees.

Rule to remember: A mortgage referral fee prohibited by RESPA does not become lawful through disclosure.

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9. Which of the following would NOT ordinarily terminate a brokerage engagement?Real Estate Practice in Georgia. Open choices and explanation.

A.Completion of the purpose of the engagement
B.Expiration of the term stated in the agreement
C.Mutual agreement of the client and the broker
D.The affiliated licensee moving to another firm

Answer D: The affiliated licensee moving to another firm

The brokerage engagement is a contract between the client and the broker, not the individual licensee. When a licensee transfers, the engagement stays with the firm, and GREC rules bar the departing licensee from taking or using it without the broker's authorization.

Why each choice works or fails

A. This does end it. Closing the sale, for example, completes the purpose.
B. This does end it. The engagement expires by its own terms.
C. This does end it. Client and broker may agree to end it at any time.
D. Correct. The engagement belongs to the broker's firm, so a licensee's move does not end it.

Rule to remember: A brokerage engagement is with the broker's firm, so it survives the individual licensee leaving.

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10. Under Georgia's brokerage relationships law, a broker working with a customer owes that customer:Real Estate Practice in Georgia. Open choices and explanation.

A.Loyalty and obedience to lawful instructions
B.Truthful information and known adverse material facts
C.Confidentiality and promotion of the customer's interests
D.No duties, because there is no brokerage engagement

Answer B: Truthful information and known adverse material facts

A customer has no brokerage engagement with the broker, so the broker does not advocate for the customer. The broker still may not knowingly give false information and must disclose known adverse material facts about the property's physical condition. Confidentiality and promoting interests are owed to clients.

Why each choice works or fails

A. Misconception: common-law agency duties apply. Georgia's brokerage law replaces them, and customers are not owed advocacy.
B. Correct. A customer is owed honesty and disclosure of known adverse material facts about the property.
C. Misconception: customers get client duties. Confidentiality and promoting interests are owed only to clients.
D. Misconception: no engagement means no duties. The broker still may not give false information and must disclose known adverse facts.

Rule to remember: Customers get honesty and known adverse material facts. Clients also get confidentiality and advocacy.

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What does this assessment cover?

This sample contains 2 Laws and Rules questions, 6 Georgia Practice questions, and 2 Finance and Closing questions. It is not proportionally weighted. For the published 16/21/15 split, take the full 52-question Georgia state practice exam linked below.

Question coverage in this assessment
Official content area	Published weight	Questions here	Complete lesson
State Laws and Rules	16 of the 52 Georgia questions	2	Study State Laws and Rules
Real Estate Practice in Georgia	21 of the 52 Georgia questions	6	Study Real Estate Practice in Georgia
Finance and Closing	15 of the 52 Georgia questions	2	Study Finance and Closing

The Georgia-specific distinction

The state supplement tests named Georgia rules, including BRRETA, GREC regulation, Georgia security instruments, and closing practice. Do not substitute a general rule when the stem supplies a Georgia fact.

Worked result example

Suppose you answer 8 of 10 correctly but miss both Finance and Closing questions. Read those explanations and work through the linked lessons. Two misses are a reason to investigate the topic; they are not enough to measure your overall readiness.

Common exam traps

Applying a common national rule to a Georgia transaction.
Treating the three state groups as equal in size.
Memorizing statute numbers without learning the decision rule.
Using sale price when a Georgia calculation calls for the secured note.

Ready to move on?

Score the set before opening notes.
Explain the winning rule without repeating the answer choice.
Classify every miss as knowledge, distinction, wording, math setup, or timing.
Repair the weakest official area, then answer a fresh set on another day.
Move on only when the result is stable and guesses are being marked as gaps.

Recommended next lesson

Take the free 52-question Georgia state practice exam. Use the result above to choose the first lesson or drill rather than following a generic order.

Assessment integrity

The questions are original and mapped to the current PSI outline. This is a complete free practice set. Pass Georgia adds a larger question bank, saved progress, and continued review. PSI says practice exams help candidates become familiar with general question types, but they do not replace education and a good practice score does not guarantee an examination outcome. This page reports evidence, not a pass probability.

About this practice set

Facts checked against the current PSI Candidate Information Bulletin and GREC sources.

Are these actual PSI exam questions?

No. Every item is original, written from the current published outline and primary sources. No question is copied, recalled, reconstructed, or represented as a live PSI item.

Does this score predict whether I will pass?

No. One practice result is evidence about this question sample. Use the area breakdown, review guesses as well as misses, and confirm improvement with fresh questions on another day.

What should I do after the result?

Open the explanation for every miss and guess, restate the rule, use the linked repair lesson, then continue with the next lesson: Take the free 52-question Georgia state practice exam.

Is the assessment free?

Yes. It has no email gate, account requirement, or card. Pass Georgia is the next step for the complete bank, saved mastery, spaced review, and adaptive recommendations.