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: 05/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.625 Points$2,000 Points Fee
$4,099 Total Fees$2,099 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.672 Points$2,150 Points Fee
$4,145 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.388% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$4,695 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.411% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$5,593 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.650 Points$2,080 Points Fee
$3,130 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.486% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.498% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.700 Points$2,240 Points Fee
$8,440 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.501% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$4,383 Total Fees$1,183 Lender Fees
 30 Years Fixed
6.511% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.991 Points$3,171 Points Fee
$4,566 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.529% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.907 Points$2,902 Points Fee
$4,396 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.756% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.988 Points$3,162 Points Fee
$4,489 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.834% APR 6.740% Rate 30 day rate lock $2,074 Payment per month
0.964 Points$3,085 Points Fee
$3,085 Total Fees$0 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
Numbers you can trust
6.454% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.827 Points$2,646 Points Fee
$2,646 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.