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: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.223% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.344% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.779 Points$2,493 Points Fee
$7,560 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.502 Points$1,606 Points Fee
$3,601 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.366% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,393 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.374% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,530 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.383% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,845 Total Fees$5,645 Lender Fees
 30 Years Fixed
6.393% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.885 Points$2,832 Points Fee
$4,832 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.396% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.832 Points$2,662 Points Fee
$4,957 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.408% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.434 Points$1,389 Points Fee
$2,184 Total Fees$795 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.474% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.696 Points$2,227 Points Fee
$3,322 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.475% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.672 Points$2,150 Points Fee
$3,345 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.728 Points$2,330 Points Fee
$3,961 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.499% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.706 Points$2,259 Points Fee
$8,459 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.503% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,295 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.580% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.495 Points$1,584 Points Fee
$2,812 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.583% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.559 Points$1,789 Points Fee
$3,025 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.596% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.672 Points$2,150 Points Fee
$3,545 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.686% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.706% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.836 Points$2,675 Points Fee
$2,675 Total Fees$0 Lender Fees
 30 Years Fixed
6.756% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.989 Points$3,165 Points Fee
$4,492 Total Fees$1,327 Lender Fees
 30 Years Fixed
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6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.848 Points$2,714 Points Fee
$2,714 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.