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: 03/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.699% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.511 Points$1,635 Points Fee
$7,502 Total Fees$5,867 Lender Fees
 30 Years Fixed
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.852 Points$2,726 Points Fee
$3,521 Total Fees$795 Lender Fees
 30 Years Fixed
5.882% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.815 Points$2,608 Points Fee
$4,603 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.882% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.975 Points$3,120 Points Fee
$4,610 Total Fees$1,490 Lender Fees
 30 Years Fixed
5.929% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$6,343 Total Fees$3,543 Lender Fees
 30 Years Fixed
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
5.959% 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
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.929 Points$2,973 Points Fee
$2,973 Total Fees$0 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.539 Points$1,725 Points Fee
$3,725 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.991% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.921 Points$2,947 Points Fee
$4,042 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.830 Points$2,656 Points Fee
$4,051 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,577 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.031% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.069% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.843 Points$2,698 Points Fee
$2,698 Total Fees$0 Lender Fees
 30 Years Fixed
6.107% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.913 Points$2,922 Points Fee
$4,150 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.119% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.769 Points$2,461 Points Fee
$4,243 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.837 Points$2,678 Points Fee
$4,006 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.329% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.948 Points$3,034 Points Fee
$3,034 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
Veterans: Use your VA benefit to buy with 0% down
5.951% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.823 Points$2,634 Points Fee
$2,634 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.