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: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.938% APR 5.740% Rate 30 day rate lock $1,866 Payment per month
0.607 Points$1,942 Points Fee
$7,009 Total Fees$5,067 Lender Fees
 30 Years Fixed
5.947% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$6,899 Total Fees$3,699 Lender Fees
 30 Years Fixed
6.113% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$8,285 Total Fees$5,485 Lender Fees
 30 Years Fixed
6.118% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$8,445 Total Fees$5,645 Lender Fees
 30 Years Fixed
6.135% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.937 Points$2,998 Points Fee
$4,993 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,193 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.225% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.690 Points$2,208 Points Fee
$3,403 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 35 day rate lock $1,945 Payment per month
0.823 Points$2,634 Points Fee
$4,029 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.823 Points$2,634 Points Fee
$4,029 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.633 Points$2,026 Points Fee
$4,026 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.246% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.248% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.971 Points$3,107 Points Fee
$4,202 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.252% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.642 Points$2,054 Points Fee
$4,349 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.257% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.932 Points$2,982 Points Fee
$4,614 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.262% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.262% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.886 Points$2,835 Points Fee
$9,035 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.286% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$1,315 Total Fees$115 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.507 Points$1,622 Points Fee
$2,858 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.332% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,770 Total Fees$1,570 Lender Fees
 30 Years Fixed
6.338% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.933 Points$2,986 Points Fee
$2,986 Total Fees$0 Lender Fees
 30 Years Fixed
6.346% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.680 Points$2,176 Points Fee
$3,404 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.413% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$5,647 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.430% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.573 Points$1,834 Points Fee
$1,834 Total Fees$0 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.510 Points$1,632 Points Fee
$3,126 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.495% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.896 Points$2,867 Points Fee
$4,195 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.524% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.563 Points$1,802 Points Fee
$5,002 Total Fees$3,200 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
America's #1 Retail Lender (Scottsman Guide)
Proud to help you find the home loan of your future
6.298% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.508 Points$1,626 Points Fee
$1,626 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.