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: 08/11/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.223% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.260% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.820 Points$2,624 Points Fee
$4,619 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.359% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.947 Points$3,030 Points Fee
$8,097 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.398% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.848 Points$2,714 Points Fee
$5,009 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
6.434% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,393 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.442% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,530 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.452% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,845 Total Fees$5,645 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.485% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.819 Points$2,621 Points Fee
$3,716 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.810 Points$2,592 Points Fee
$4,223 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.968 Points$3,098 Points Fee
$4,334 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.506% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.942 Points$3,014 Points Fee
$4,409 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.508% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.960 Points$3,072 Points Fee
$4,467 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.509% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.814 Points$2,605 Points Fee
$8,805 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.572% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.410 Points$1,312 Points Fee
$2,540 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.581% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.946 Points$3,027 Points Fee
$3,027 Total Fees$0 Lender Fees
 30 Years Fixed
6.620% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.704 Points$2,253 Points Fee
$4,153 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.686% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.696% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.731 Points$2,339 Points Fee
$2,339 Total Fees$0 Lender Fees
 30 Years Fixed
6.742% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.846 Points$2,707 Points Fee
$4,035 Total Fees$1,328 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
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6.446% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.748 Points$2,394 Points Fee
$2,394 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.