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: 03/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.890% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$4,899 Total Fees$2,099 Lender Fees
 30 Years Fixed
6.065% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.810 Points$2,592 Points Fee
$2,592 Total Fees$0 Lender Fees
 30 Years Fixed
6.102% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.587 Points$1,878 Points Fee
$3,873 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.102% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.120% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.123% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.976 Points$3,123 Points Fee
$4,218 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.158% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$5,543 Total Fees$3,543 Lender Fees
 30 Years Fixed
6.207% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$2,915 Total Fees$115 Lender Fees
 30 Years Fixed
6.225% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.494 Points$1,581 Points Fee
$7,781 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.246% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.787 Points$2,518 Points Fee
$4,300 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.250% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.972 Points$3,110 Points Fee
$4,305 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.251% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.912 Points$2,918 Points Fee
$4,313 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.267% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,977 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.295% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.311% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.640 Points$2,048 Points Fee
$2,048 Total Fees$0 Lender Fees
 30 Years Fixed
6.334% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.889 Points$2,845 Points Fee
$2,845 Total Fees$0 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.685 Points$2,192 Points Fee
$3,187 Total Fees$995 Lender Fees
 30 Years Fixed
6.351% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.729 Points$2,333 Points Fee
$3,561 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.593% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.606 Points$1,939 Points Fee
$3,267 Total Fees$1,328 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
Veterans: Use your VA benefit to buy with 0% down
6.192% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.713 Points$2,282 Points Fee
$2,282 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.
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.