Home Mortgage Loan Ratesin Georgia

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Georgia and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 06/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.005% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,499 Total Fees$2,099 Lender Fees
 30 Years Fixed
6.273% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$5,193 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.276% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.999 Points$3,197 Points Fee
$5,192 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.278% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.298 Points$954 Points Fee
$954 Total Fees$0 Lender Fees
 30 Years Fixed
6.281% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.948 Points$3,034 Points Fee
$5,329 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.295% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.474 Points$1,517 Points Fee
$1,517 Total Fees$0 Lender Fees
 30 Years Fixed
6.312% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.275 Points$880 Points Fee
$2,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.475 Points$1,520 Points Fee
$2,520 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.471 Points$1,507 Points Fee
$2,602 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.353% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.612 Points$1,958 Points Fee
$3,590 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.363% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.611 Points$1,955 Points Fee
$8,155 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.383% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.975 Points$3,120 Points Fee
$4,515 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.931 Points$2,979 Points Fee
$2,979 Total Fees$0 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.760 Points$2,432 Points Fee
$3,926 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.547% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.597% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.642 Points$2,054 Points Fee
$3,382 Total Fees$1,328 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
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Veterans: Use your VA benefit to buy with 0% down
6.307% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.607 Points$1,942 Points Fee
$1,942 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Georgia homebuyers and homeowners looking to refinance have access to a variety of mortgage lenders offering competitive home loan rates. Whether you're a first-time homebuyer, looking to upgrade, or seeking to refinance your existing mortgage, you can find a range of loan options to suit your needs and financial situation. When comparing home mortgage loan rates in Georgia, it's essential to consider factors such as loan type (fixed-rate or adjustable-rate), loan term, down payment, and credit score, as these can all impact the interest rates and terms you qualify for. Shopping around and comparing offers from multiple lenders, including local banks, credit unions, and online lenders, can help you find the most competitive mortgage rates in Georgia. Working with experienced mortgage professionals and carefully evaluating your options can help ensure that you secure the best home loan rates available, making your homeownership dreams a reality in Georgia.