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: 12/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.696% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.624 Points$1,997 Points Fee
$2,496 Total Fees$499 Lender Fees
 30 Years Fixed
5.768% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.949 Points$3,037 Points Fee
$5,032 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.791% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.750 Points$2,400 Points Fee
$5,943 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.822% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.475 Points$1,520 Points Fee
$2,520 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.861% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.873 Points$2,794 Points Fee
$3,889 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.889% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.894 Points$2,861 Points Fee
$4,861 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.927% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
5.930% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.592 Points$1,894 Points Fee
$1,894 Total Fees$0 Lender Fees
 30 Years Fixed
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.800 Points$2,560 Points Fee
$2,560 Total Fees$0 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.583 Points$1,866 Points Fee
$2,616 Total Fees$750 Lender Fees
 30 Years Fixed
6.081% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.613 Points$1,962 Points Fee
$3,137 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.110% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.813 Points$2,602 Points Fee
$3,929 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.110% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.965 Points$3,088 Points Fee
$3,788 Total Fees$700 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.809% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.646 Points$2,067 Points Fee
$2,067 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.