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: 10/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.757% APR 6.624% Rate 15 day rate lock $2,049 Payment per month
0.754 Points$2,413 Points Fee
$4,408 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.774% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$5,113 Total Fees$2,313 Lender Fees
 30 Years Fixed
6.849% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.750 Points$2,400 Points Fee
$7,593 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.851% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.750 Points$2,400 Points Fee
$7,705 Total Fees$5,305 Lender Fees
 30 Years Fixed
6.852% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.925 Points$2,960 Points Fee
$3,501 Total Fees$541 Lender Fees
 30 Years Fixed
6.877% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.589 Points$1,885 Points Fee
$4,180 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.878% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.976 Points$3,123 Points Fee
$4,311 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.993% APR 6.874% Rate 30 day rate lock $2,102 Payment per month
0.971 Points$3,107 Points Fee
$3,902 Total Fees$795 Lender Fees
 30 Years Fixed
7.000% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.897 Points$2,870 Points Fee
$4,065 Total Fees$1,195 Lender Fees
 30 Years Fixed
7.008% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.737 Points$2,358 Points Fee
$4,358 Total Fees$2,000 Lender Fees
 30 Years Fixed
7.009% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.730 Points$2,336 Points Fee
$8,536 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.083% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.526 Points$1,683 Points Fee
$2,919 Total Fees$1,236 Lender Fees
 30 Years Fixed
7.096% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.593 Points$1,898 Points Fee
$3,529 Total Fees$1,631 Lender Fees
 30 Years Fixed
7.109% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
1.000 Points$3,200 Points Fee
$7,745 Total Fees$4,545 Lender Fees
 30 Years Fixed
7.114% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.707 Points$2,262 Points Fee
$4,162 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.121% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.926 Points$2,963 Points Fee
$4,258 Total Fees$1,295 Lender Fees
 30 Years Fixed
7.139% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.942 Points$3,014 Points Fee
$4,508 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.148% APR 7.000% Rate 45 day rate lock $2,129 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.181% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
7.207% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.823 Points$2,634 Points Fee
$2,634 Total Fees$0 Lender Fees
 30 Years Fixed
7.301% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.503 Points$1,610 Points Fee
$1,610 Total Fees$0 Lender Fees
 30 Years Fixed
7.351% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.635 Points$2,032 Points Fee
$3,359 Total Fees$1,327 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
ATTN Homebuyers: explore all your options.
Buy with a $0 down payment when you qualify for a VA Loan
6.942% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.682 Points$2,182 Points Fee
$2,182 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.