[Georgia Real Estate] 45, Loan-to-Value and Financing Calculations

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How lenders establish the maximum loan amount using the lower of purchase price or appraised value. - How to calculate required buyer down payment when loan-to-value limits apply. - How to compute loan origination fees and discount points on borrowed principal. - Why calculating discount points on purchase price instead of loan amount is a key exam trap. - The distinction between national loan-to-value principles and Georgia attorney closing requirements. Prepare for the exam using independent prep materials at https://open-exam-prep.com/practice/ga-real-estate and video lessons at https://www.youtube.com/@Open-exam-prep . Sources checked: September 14, 2026 https://www.consumerfinance.gov/ https://grec.state.ga.us/