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: 07/04/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.051% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$6,099 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.111% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.681 Points$2,179 Points Fee
$4,174 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.135% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$4,793 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.256% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.823 Points$2,634 Points Fee
$8,834 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.262% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.743 Points$2,378 Points Fee
$4,673 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.355% APR 6.250% Rate 35 day rate lock $1,971 Payment per month
0.678 Points$2,170 Points Fee
$3,565 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$3,700 Total Fees$900 Lender Fees
 30 Years Fixed
6.380% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.909 Points$2,909 Points Fee
$4,403 Total Fees$1,494 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.203% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.833 Points$2,666 Points Fee
$2,666 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.