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: 10/26/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.694% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.800 Points$2,560 Points Fee
$6,673 Total Fees$4,113 Lender Fees
 30 Years Fixed
6.737% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.814 Points$2,605 Points Fee
$3,793 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.753% APR 6.624% Rate 15 day rate lock $2,049 Payment per month
0.717 Points$2,294 Points Fee
$4,289 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.837% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$7,193 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.844% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.969 Points$3,101 Points Fee
$3,101 Total Fees$0 Lender Fees
 30 Years Fixed
7.005% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.685 Points$2,192 Points Fee
$8,392 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.097% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.875 Points$2,800 Points Fee
$7,345 Total Fees$4,545 Lender Fees
 30 Years Fixed
7.222% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.572 Points$1,830 Points Fee
$3,125 Total Fees$1,295 Lender Fees
 30 Years Fixed
7.230% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.587 Points$1,878 Points Fee
$3,372 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.258% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.970 Points$3,104 Points Fee
$4,432 Total Fees$1,328 Lender Fees
 30 Years Fixed
7.293% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Buy with a $0 down payment when you qualify for a VA Loan
Numbers you can trust
6.935% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.613 Points$1,962 Points Fee
$1,962 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in

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.