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: 08/21/2026)
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
6.237% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.576 Points$1,843 Points Fee
$3,838 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
6.368% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,505 Total Fees$5,305 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
6.384% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.700 Points$2,240 Points Fee
$4,535 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.395% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.917 Points$2,934 Points Fee
$4,934 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.445% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.512 Points$1,638 Points Fee
$6,705 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.445% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.483 Points$1,546 Points Fee
$2,341 Total Fees$795 Lender Fees
 30 Years Fixed
6.457% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.489 Points$1,565 Points Fee
$2,760 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 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
6.466% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.618 Points$1,978 Points Fee
$3,073 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.551 Points$1,763 Points Fee
$3,395 Total Fees$1,632 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.941 Points$3,011 Points Fee
$4,239 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.499% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.994 Points$3,181 Points Fee
$4,417 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.512% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.999 Points$3,197 Points Fee
$4,592 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.514% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.521% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.942 Points$3,014 Points Fee
$9,214 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.630% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.802 Points$2,566 Points Fee
$4,466 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.674% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.702% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.795 Points$2,544 Points Fee
$2,544 Total Fees$0 Lender Fees
 30 Years Fixed
6.745% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.876 Points$2,803 Points Fee
$4,131 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.918% APR 6.875% Rate 35 day rate lock $2,103 Payment per month
0.000 Points$0 Points Fee
$1,395 Total Fees$1,395 Lender Fees
 30 Years Fixed
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6.435% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.629 Points$2,013 Points Fee
$2,013 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.