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: 10/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.762% APR 6.624% Rate 15 day rate lock $2,049 Payment per month
0.802 Points$2,566 Points Fee
$4,561 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.837% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$7,193 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.877% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.966 Points$3,091 Points Fee
$4,279 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.900% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.916 Points$2,931 Points Fee
$4,931 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.906% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.883 Points$2,826 Points Fee
$5,121 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.005% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.689 Points$2,205 Points Fee
$8,405 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.059% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.701 Points$2,243 Points Fee
$2,243 Total Fees$0 Lender Fees
 30 Years Fixed
7.123% APR 7.000% Rate 45 day rate lock $2,129 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.132% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.870 Points$2,784 Points Fee
$4,278 Total Fees$1,494 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
Buy with a $0 down payment when you qualify for a VA Loan
6.941% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.676 Points$2,163 Points Fee
$2,163 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.