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: 01/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.575% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.680 Points$2,176 Points Fee
$2,675 Total Fees$499 Lender Fees
 30 Years Fixed
5.625% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.689 Points$2,205 Points Fee
$4,872 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.735% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.587 Points$1,878 Points Fee
$3,873 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.742% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.742% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.697 Points$2,230 Points Fee
$4,118 Total Fees$1,888 Lender Fees
 30 Years Fixed
5.763% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.895 Points$2,864 Points Fee
$4,864 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.812% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.669 Points$2,141 Points Fee
$2,141 Total Fees$0 Lender Fees
 30 Years Fixed
5.833% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.900 Points$2,880 Points Fee
$2,880 Total Fees$0 Lender Fees
 30 Years Fixed
5.865% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.910 Points$2,912 Points Fee
$4,007 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.988% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.706 Points$2,259 Points Fee
$4,041 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.096% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.662 Points$2,118 Points Fee
$3,446 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.122% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.795 Points$2,544 Points Fee
$4,544 Total Fees$2,000 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.715% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.993 Points$3,178 Points Fee
$3,178 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.