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: 09/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 Lender Fees
 30 Years Fixed
6.496% APR 6.375% Rate 15 day rate lock $1,997 Payment per month
0.652 Points$2,086 Points Fee
$4,081 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.568% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$6,499 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.711% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$7,193 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.713% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.736% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.808 Points$2,586 Points Fee
$3,814 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.749% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.884 Points$2,829 Points Fee
$4,124 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.774% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.820 Points$2,624 Points Fee
$4,919 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.780% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.990 Points$3,168 Points Fee
$9,368 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.796% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.472 Points$1,510 Points Fee
$1,510 Total Fees$0 Lender Fees
 30 Years Fixed
6.829% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.469 Points$1,501 Points Fee
$2,596 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.849% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.704 Points$2,253 Points Fee
$3,489 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.864% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.697 Points$2,230 Points Fee
$3,862 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.879% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.894 Points$2,861 Points Fee
$4,256 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.938% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.968% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.483 Points$1,546 Points Fee
$3,040 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.988% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.788 Points$2,522 Points Fee
$3,849 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.996% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.686 Points$2,195 Points Fee
$4,095 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.036% APR 6.990% Rate 35 day rate lock $2,127 Payment per month
0.000 Points$0 Points Fee
$1,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
7.061% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.716 Points$2,291 Points Fee
$2,291 Total Fees$0 Lender Fees
 30 Years Fixed
7.068% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.789 Points$2,525 Points Fee
$2,525 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
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6.796% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.474 Points$1,517 Points Fee
$1,517 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.