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: 11/03/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.694% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$7,024 Total Fees$4,624 Lender Fees
 30 Years Fixed
5.828% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.525 Points$1,680 Points Fee
$2,730 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.830% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
5.845% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.725 Points$2,320 Points Fee
$3,320 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.955% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.870 Points$2,784 Points Fee
$2,784 Total Fees$0 Lender Fees
 30 Years Fixed
5.968% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.662 Points$2,118 Points Fee
$3,213 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.976% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.749 Points$2,397 Points Fee
$3,585 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.962 Points$3,078 Points Fee
$3,828 Total Fees$750 Lender Fees
 30 Years Fixed
6.092% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.623 Points$1,994 Points Fee
$3,321 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.106% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.880 Points$2,816 Points Fee
$3,991 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.120% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.971 Points$3,107 Points Fee
$4,373 Total Fees$1,266 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.672 Points$2,150 Points Fee
$2,850 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
5.839% APR 5.750% Rate 30 day rate lock $1,868 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 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.