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: 04/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.866 Points$2,771 Points Fee
$2,771 Total Fees$0 Lender Fees
 30 Years Fixed
6.728% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.843 Points$2,698 Points Fee
$3,398 Total Fees$700 Lender Fees
 30 Years Fixed
6.732% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.806 Points$2,579 Points Fee
$3,643 Total Fees$1,064 Lender Fees
 30 Years Fixed
6.782% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.834% APR 6.740% Rate 30 day rate lock $2,074 Payment per month
0.972 Points$3,110 Points Fee
$3,110 Total Fees$0 Lender Fees
 30 Years Fixed
7.064% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.648 Points$2,074 Points Fee
$2,074 Total Fees$0 Lender Fees
 30 Years Fixed
7.602% APR 7.500% Rate 30 day rate lock $2,238 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
PenFed membership is open to everyone, including you.
0% down payment USDA Loan options
$0 down payment for Veterans homebuying with a VA Loan
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.