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: 08/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.099% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.868 Points$2,778 Points Fee
$7,845 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.126% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.836 Points$2,675 Points Fee
$4,670 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.177% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.500 Points$1,600 Points Fee
$6,099 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
6.320% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.743 Points$2,378 Points Fee
$2,378 Total Fees$0 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.360% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.377% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.630 Points$2,016 Points Fee
$4,311 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.446 Points$1,427 Points Fee
$2,522 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.618 Points$1,978 Points Fee
$3,214 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.465% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.513 Points$1,642 Points Fee
$3,037 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.478% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.606 Points$1,939 Points Fee
$3,571 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.489% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.596 Points$1,907 Points Fee
$8,107 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.772 Points$2,470 Points Fee
$3,865 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.498% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.951 Points$3,043 Points Fee
$4,271 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.523% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$5,100 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.579% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.821 Points$2,627 Points Fee
$2,627 Total Fees$0 Lender Fees
 30 Years Fixed
6.602% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.593 Points$1,898 Points Fee
$3,392 Total Fees$1,494 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
6.719% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.603 Points$1,930 Points Fee
$3,257 Total Fees$1,327 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
ATTN Homebuyers: explore all your options.
Buy with a $0 down payment when you qualify for a VA Loan
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.879 Points$2,813 Points Fee
$2,813 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.