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: 03/31/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.867% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$4,099 Total Fees$2,099 Lender Fees
 30 Years Fixed
6.020% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.948 Points$3,034 Points Fee
$5,029 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.028% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.980 Points$3,136 Points Fee
$9,803 Total Fees$6,667 Lender Fees
 30 Years Fixed
6.055% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$6,343 Total Fees$3,543 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.621 Points$1,987 Points Fee
$2,782 Total Fees$795 Lender Fees
 30 Years Fixed
6.079% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.525 Points$1,680 Points Fee
$2,730 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.086% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.660 Points$2,112 Points Fee
$3,307 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.097% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.725 Points$2,320 Points Fee
$3,320 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.109% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.827 Points$2,646 Points Fee
$3,741 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.119% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.718 Points$2,298 Points Fee
$8,498 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.158% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.207% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.872 Points$2,790 Points Fee
$2,790 Total Fees$0 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.721 Points$2,307 Points Fee
$3,702 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.867 Points$2,774 Points Fee
$4,002 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.897 Points$2,870 Points Fee
$3,865 Total Fees$995 Lender Fees
 30 Years Fixed
6.259% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.928 Points$2,970 Points Fee
$4,752 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.691 Points$2,211 Points Fee
$2,211 Total Fees$0 Lender Fees
 30 Years Fixed
6.489% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.832 Points$2,662 Points Fee
$3,990 Total Fees$1,328 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.187% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.661 Points$2,115 Points Fee
$2,115 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.