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: 05/09/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.246% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.477 Points$1,526 Points Fee
$4,193 Total Fees$2,667 Lender Fees
 30 Years Fixed
6.366% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.906 Points$2,899 Points Fee
$3,949 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.446% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.575% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.888 Points$2,842 Points Fee
$2,842 Total Fees$0 Lender Fees
 30 Years Fixed
6.585% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.585 Points$1,872 Points Fee
$2,936 Total Fees$1,064 Lender Fees
 30 Years Fixed
6.604% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.651 Points$2,083 Points Fee
$3,478 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.614% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$3,795 Total Fees$995 Lender Fees
 30 Years Fixed
6.655% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.670% APR 6.625% Rate 35 day rate lock $2,049 Payment per month
0.000 Points$0 Points Fee
$1,490 Total Fees$1,490 Lender Fees
 30 Years Fixed
6.708% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.643 Points$2,058 Points Fee
$2,758 Total Fees$700 Lender Fees
 30 Years Fixed
6.709% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.882 Points$2,822 Points Fee
$2,822 Total Fees$0 Lender Fees
 30 Years Fixed
6.723% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.646 Points$2,067 Points Fee
$3,395 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.730% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.760 Points$2,432 Points Fee
$3,527 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.762% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.830 Points$2,656 Points Fee
$4,651 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.829% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.812 Points$2,598 Points Fee
$2,598 Total Fees$0 Lender Fees
 30 Years Fixed
6.852% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.680 Points$2,176 Points Fee
$3,351 Total Fees$1,175 Lender Fees
 30 Years Fixed
7.602% APR 7.500% Rate 30 day rate lock $2,238 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
0% down payment USDA Loan options
PenFed membership is open to everyone, including you.
$0 down payment for Veterans homebuying with a VA Loan
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.