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: 12/07/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.864% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.617 Points$1,974 Points Fee
$3,969 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.906% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$5,543 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.917% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.458 Points$1,466 Points Fee
$1,466 Total Fees$0 Lender Fees
 30 Years Fixed
5.965% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.636 Points$2,035 Points Fee
$3,130 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.224% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.840 Points$2,688 Points Fee
$3,388 Total Fees$700 Lender Fees
 30 Years Fixed
6.330% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.950 Points$3,040 Points Fee
$3,040 Total Fees$0 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
5.837% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.953 Points$3,050 Points Fee
$3,050 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.