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A mortgage company wants to open a second office location in Birmingham, Alabama. What is required?

Uniform State Test (UST) · 11% of the SAFE exameasy

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Correct answer: A separate branch license through NMLS for the new location

Alabama requires each principal place of business AND each branch office to be separately licensed. A main office license does NOT cover additional locations. The branch must be licensed through NMLS. Note: Alabama eliminated the physical office requirement as of August 21, 2009 — a physical office is not required for licensing. However, if a physical office is maintained, it must comply with local zoning (cannot be residential) and must have at least one enclosed room where loan negotiations can occur privately.

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