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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.652% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.991 Points$3,171 Points Fee
$5,838 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.687% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.530 Points$1,696 Points Fee
$2,195 Total Fees$499 Lender Fees
 30 Years Fixed
5.698% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.875 Points$2,800 Points Fee
$7,145 Total Fees$4,345 Lender Fees
 30 Years Fixed
5.840% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.650 Points$2,080 Points Fee
$3,130 Total Fees$1,050 Lender Fees
 30 Years Fixed
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
5.846% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.424 Points$1,357 Points Fee
$3,352 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.857% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.580 Points$1,856 Points Fee
$3,743 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.871% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.976 Points$3,123 Points Fee
$4,218 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.892% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.929 Points$2,973 Points Fee
$4,973 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.894% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$5,143 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.924% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.530 Points$1,696 Points Fee
$1,696 Total Fees$0 Lender Fees
 30 Years Fixed
5.934% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.642 Points$2,054 Points Fee
$2,054 Total Fees$0 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.676 Points$2,163 Points Fee
$2,913 Total Fees$750 Lender Fees
 30 Years Fixed
6.094% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.756 Points$2,419 Points Fee
$3,594 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.851 Points$2,723 Points Fee
$4,051 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$2,879 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.807% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.622 Points$1,990 Points Fee
$1,990 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.