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: 08/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.096% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.124% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.822 Points$2,630 Points Fee
$4,625 Total Fees$1,995 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
6.336% 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
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.725 Points$2,320 Points Fee
$3,320 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.954 Points$3,053 Points Fee
$4,148 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.596 Points$1,907 Points Fee
$4,202 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.554 Points$1,773 Points Fee
$3,168 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.510 Points$1,632 Points Fee
$3,263 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.476% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.626 Points$2,003 Points Fee
$3,398 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.490% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.618 Points$1,978 Points Fee
$8,178 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.662% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.717% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.581 Points$1,859 Points Fee
$3,187 Total Fees$1,328 Lender Fees
 30 Years Fixed
Proud to help you find the home loan of your future
ATTN Homebuyers: explore all your options.
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
6.322% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.766 Points$2,451 Points Fee
$2,451 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.