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: 04/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.885% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.854 Points$2,733 Points Fee
$4,728 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.917% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$5,993 Total Fees$2,793 Lender Fees
 30 Years Fixed
5.925% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.540 Points$1,728 Points Fee
$1,728 Total Fees$0 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.795 Points$2,544 Points Fee
$3,739 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.904 Points$2,893 Points Fee
$4,288 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.015% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.960 Points$3,072 Points Fee
$9,272 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.098% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.746 Points$2,387 Points Fee
$3,623 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.112% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.968 Points$3,098 Points Fee
$4,193 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.121% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.974 Points$3,117 Points Fee
$4,345 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.201% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.807 Points$2,582 Points Fee
$2,582 Total Fees$0 Lender Fees
 30 Years Fixed
6.258% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.585 Points$1,872 Points Fee
$4,719 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.283% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.756 Points$2,419 Points Fee
$3,747 Total Fees$1,328 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
6.044% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.579 Points$1,853 Points Fee
$1,853 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.