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: 08/01/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.156% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.981 Points$3,139 Points Fee
$5,806 Total Fees$2,667 Lender Fees
 30 Years Fixed
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,330 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.321% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.482% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.781 Points$2,499 Points Fee
$3,594 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.804 Points$2,573 Points Fee
$3,968 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.543% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.555 Points$1,776 Points Fee
$1,776 Total Fees$0 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.861 Points$2,755 Points Fee
$2,755 Total Fees$0 Lender Fees
 30 Years Fixed
6.583% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.751 Points$2,403 Points Fee
$3,103 Total Fees$700 Lender Fees
 30 Years Fixed
6.603% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.813 Points$2,602 Points Fee
$3,777 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.621% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.890 Points$2,848 Points Fee
$4,175 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.644% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.678% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.550 Points$1,760 Points Fee
$1,760 Total Fees$0 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
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As low as 0% down options & down payment assistance
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
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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.