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: 07/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.970% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.104% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.927 Points$2,966 Points Fee
$8,033 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.106% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.627 Points$2,006 Points Fee
$4,001 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.118% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,182 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,193 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.208% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.508 Points$1,626 Points Fee
$2,821 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.223% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.925 Points$2,960 Points Fee
$3,501 Total Fees$541 Lender Fees
 30 Years Fixed
6.241% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.618 Points$1,978 Points Fee
$3,978 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.246% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 35 day rate lock $1,945 Payment per month
0.866 Points$2,771 Points Fee
$4,166 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.253% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.786 Points$2,515 Points Fee
$8,715 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.260% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.725 Points$2,320 Points Fee
$4,615 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.361% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.743 Points$2,378 Points Fee
$3,773 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.364% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.863 Points$2,762 Points Fee
$3,990 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$4,100 Total Fees$900 Lender Fees
 30 Years Fixed
6.387% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.983 Points$3,146 Points Fee
$4,640 Total Fees$1,494 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
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$4,163 Total Fees$1,328 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
ATTN Homebuyers: explore all your options.
6.216% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.967 Points$3,094 Points Fee
$3,094 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.