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: 11/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.809 Points$2,589 Points Fee
$2,589 Total Fees$0 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.413 Points$1,322 Points Fee
$3,317 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.865 Points$2,768 Points Fee
$4,163 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.052% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.663 Points$2,122 Points Fee
$2,122 Total Fees$0 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.564 Points$1,805 Points Fee
$2,900 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.088% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.717 Points$2,294 Points Fee
$3,482 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.947 Points$3,030 Points Fee
$4,358 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.977 Points$3,126 Points Fee
$3,126 Total Fees$0 Lender Fees
 30 Years Fixed
6.234% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.945 Points$3,024 Points Fee
$3,724 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
Numbers you can trust
0% down payment USDA Loan options
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
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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.