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: 04/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.856% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$3,699 Total Fees$2,099 Lender Fees
 30 Years Fixed
5.883% APR 5.740% Rate 30 day rate lock $1,866 Payment per month
0.000 Points$0 Points Fee
$5,067 Total Fees$5,067 Lender Fees
 30 Years Fixed
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.802 Points$2,566 Points Fee
$2,566 Total Fees$0 Lender Fees
 30 Years Fixed
5.978% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.489 Points$1,565 Points Fee
$3,560 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.007% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.994 Points$3,181 Points Fee
$4,576 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.032% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$5,593 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.079% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.583 Points$1,866 Points Fee
$3,061 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.081% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$2,915 Total Fees$115 Lender Fees
 30 Years Fixed
6.109% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.656 Points$2,099 Points Fee
$4,099 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.115% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.900 Points$2,880 Points Fee
$3,975 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.118% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.701 Points$2,243 Points Fee
$8,443 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.157% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.852 Points$2,726 Points Fee
$5,573 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.211% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.608 Points$1,946 Points Fee
$3,182 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.231% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.786 Points$2,515 Points Fee
$3,743 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.306% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.311% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.647 Points$2,070 Points Fee
$2,070 Total Fees$0 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.890 Points$2,848 Points Fee
$4,175 Total Fees$1,327 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
As low as 0% down options & down payment assistance
6.065% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.807 Points$2,582 Points Fee
$2,582 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.