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: 03/18/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.775% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.999 Points$3,197 Points Fee
$9,864 Total Fees$6,667 Lender Fees
 30 Years Fixed
5.859% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.942 Points$3,014 Points Fee
$3,809 Total Fees$795 Lender Fees
 30 Years Fixed
5.876% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.757 Points$2,422 Points Fee
$4,417 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.929% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$6,343 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.840 Points$2,688 Points Fee
$2,688 Total Fees$0 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.963% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.622 Points$1,990 Points Fee
$3,085 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.969% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.550 Points$1,760 Points Fee
$3,250 Total Fees$1,490 Lender Fees
 30 Years Fixed
5.978% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.488 Points$1,562 Points Fee
$3,562 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.744 Points$2,381 Points Fee
$3,776 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,577 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.042% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.069% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.852 Points$2,726 Points Fee
$2,726 Total Fees$0 Lender Fees
 30 Years Fixed
6.085% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.681 Points$2,179 Points Fee
$3,407 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.128% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.971 Points$3,107 Points Fee
$4,889 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.231% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.763 Points$2,442 Points Fee
$3,769 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.334% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.997 Points$3,190 Points Fee
$3,190 Total Fees$0 Lender Fees
 30 Years Fixed
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Numbers you can trust
5.935% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.653 Points$2,090 Points Fee
$2,090 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.