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: 12/11/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.873% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.719 Points$2,301 Points Fee
$4,296 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.942% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.400 Points$1,280 Points Fee
$2,330 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.835 Points$2,672 Points Fee
$3,767 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.007% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.989 Points$3,165 Points Fee
$4,560 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.079% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.622 Points$1,990 Points Fee
$2,740 Total Fees$750 Lender Fees
 30 Years Fixed
6.237% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$3,820 Total Fees$700 Lender Fees
 30 Years Fixed
6.242% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
$0 down payment for Veterans homebuying with a VA Loan
5.842% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
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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.