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: 08/15/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.104% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.922 Points$2,950 Points Fee
$8,017 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.200% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$6,899 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.239% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,393 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.256% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,845 Total Fees$5,645 Lender Fees
 30 Years Fixed
6.265% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.881 Points$2,819 Points Fee
$4,814 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.579 Points$1,853 Points Fee
$4,148 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.408% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.492% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.632 Points$2,022 Points Fee
$8,222 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.532% APR 6.490% Rate 35 day rate lock $2,021 Payment per month
0.000 Points$0 Points Fee
$1,395 Total Fees$1,395 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
As low as 0% down options & down payment assistance
6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.799 Points$2,557 Points Fee
$2,557 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.