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: 08/24/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.917% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$5,943 Total Fees$2,743 Lender Fees
 30 Years Fixed
5.990% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.014% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.692 Points$2,214 Points Fee
$4,881 Total Fees$2,667 Lender Fees
 30 Years Fixed
6.186% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.656 Points$2,099 Points Fee
$2,099 Total Fees$0 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.571 Points$1,827 Points Fee
$2,527 Total Fees$700 Lender Fees
 30 Years Fixed
6.518% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.568% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.814 Points$2,605 Points Fee
$2,605 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
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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.