Georgia Mortgage Rates and Refinance Rates

Georgia Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Georgia. Our rate table has a list of Georgia mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Georgia you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Georgia include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Georgia listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 30301, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,754
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,748
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 15499
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 15499
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $481
Thank you for your inquiry, we will be in touch shortly. 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 22762
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 15499
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.456 pts
30 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
Flagstar Bank Logo
NMLS # 417490
(877) 808-7051
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $744
Thank you for your inquiry! 
 
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $870
 
 
Best Rate USA Logo
NMLS # 134407
State Lic # 36123
(877) 381-2251
at 0.000 pts
45 day lock rate
Est payment: $912.10
Fees in APR: $995
The direct lender to call for great rates and superior service. 
 
at 0.000 pts
30 day lock rate
Est payment: $1,199.10
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $356
Thank you for your inquiry! 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,556
Thank you for your inquiry! 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.875 pts
45 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
IAB Financial Bank
4.285%
10/11/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $828
 
 
LincolnWay Community Bank
3.920%
10/10/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Raymond James Bank, NA
4.305%
10/10/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
Regions Bank
4.290%
10/13/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 
Georgia's Own Credit Union
4.102%
10/10/2017
4.000%
at 1.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $441
 
 
LGE Community Credit Union
3.797%
10/13/2017
3.625%
at 1.500 pts
60 day lock rate
Est payment: $912.10
Fees in APR: $1,180
 
 
Atlanta Postal Credit Union Logo
4.128%
10/16/2017
4.100%
at 0.000 pts
30 day lock rate
Est payment: $966.40
Fees in APR: $660
 
 
First Citizens Bank
4.036%
10/13/2017
3.875%
at 1.500 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $872
 
 
Bank of Oak Ridge
4.052%
10/13/2017
3.990%
at 0.313 pts
60 day lock rate
Est payment: $953.68
Fees in APR: $853
 
 
Citizens Bank, NA
4.177%
10/13/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $998
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Georgia Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Georgia. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Georgia mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Georgia mortgage loans that have been made. As a result, Georgia mortgage rates today are lower than jumbo interest rates in Georgia. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Georgia Super Conforming Home Loan Rates

Super conforming mortgages in Georgia are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Georgia Jumbo Loan Interest Rates

Georgia jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Georgia are usually 0.75 basis points higher than conforming mortgage rates in Georgia because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Georgia Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Georgia. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Georgia Adjustable Interest Rates

Georgia adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Georgia Interest Only Home Mortgage Rates

Georgia interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Georgia FHA Mortgage Mortgage Rates

Borrowers in Georgia must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Georgia are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Georgia Rates & Resources


Cities in Georgia

Abbeville

Acworth

Adairsville

Adel

Adrian

Ailey

Alamo

Alapaha

Albany

Allenhurst

Allentown

Alma

Alpharetta

Alston

Alto

Ambrose

Americus

Andersonville

Appling

Arabi

Aragon

Argyle

Arlington

Armuchee

Arnoldsville

Ashburn

Athens

Atlanta

Attapulgus

Auburn

Augusta

Austell

Avera

Avondale Estates

Axson

Baconton

Bainbridge

Baldwin

Ball Ground

Barnesville

Barney

Bartow

Barwick

Baxley

Bellville

Berlin

Bethlehem

Bishop

Blackshear

Blairsville

Blakely

Bloomingdale

Blue Ridge

Bluffton

Blythe

Bogart

Bolingbroke

Bonaire

Boneville

Boston

Bostwick

Bowdon

Bowdon Junction

Bowersville

Bowman

Box Springs

Braselton

Bremen

Brinson

Bristol

Bronwood

Brookfield

Brooklet

Brooks

Broxton

Brunswick

Buchanan

Buckhead

Buena Vista

Buford

Butler

Byromville

Byron

Cadwell

Cairo

Calhoun

Calvary

Camak

Camilla

Canon

Canton

Carlton

Carnesville

Carrollton

Cartersville

Cassville

Cataula

Cave Spring

Cecil

Cedar Springs

Cedartown

Centerville

Chatsworth

Chauncey

Cherrylog

Chester

Chestnut Mountain

Chickamauga

Chula

Cisco

Clarkdale

Clarkesville

Clarkston

Claxton

Clayton

Clermont

Cleveland

Climax

Clinchfield

Clyo

Cobb

Cobbtown

Cochran

Cohutta

Colbert

Coleman

Collins

Colquitt

Columbus

Comer

Commerce

Concord

Conley

Conyers

Coolidge

Coosa

Cordele

Cornelia

Cotton

Covington

Crandall

Crawford

Crawfordville

Crescent

Culloden

Cumming

Cusseta

Cuthbert

Dacula

Dahlonega

Daisy

Dallas

Dalton

Damascus

Danielsville

Danville

Darien

Davisboro

Dawson

Dawsonville

De Soto

Dearing

Decatur

Demorest

Denton

Dewy Rose

Dexter

Dillard

Dixie

Doerun

Donalsonville

Douglas

Douglasville

Dover

Dry Branch

Du Pont

Dublin

Dudley

Duluth

East Ellijay

East Point

Eastanollee

Eastman

Eatonton

Eden

Edison

Elberton

Elko

Ellabell

Ellaville

Ellenton

Ellenwood

Ellerslie

Ellijay

Emerson

Enigma

Epworth

Esom Hill

Eton

Evans

Experiment

Fairburn

Fairmount

Fargo

Farmington

Fayetteville

Felton

Fitzgerald

Fleming

Flintstone

Flovilla

Flowery Branch

Folkston

Forest Park

Forsyth

Fort Benning

Fort Gaines

Fort Oglethorpe

Fort Stewart

Fort Valley

Fortson

Fowlstown

Franklin

Franklin Springs

Funston

Gainesville

Garfield

Gay

Geneva

Georgetown

Gibson

Gillsville

Girard

Glenn

Glennville

Glenwood

Good Hope

Gordon

Gough

Gracewood

Grantville

Gray

Grayson

Graysville

Greensboro

Greenville

Griffin

Grovetown

Guyton

Haddock

Hagan

Hahira

Hamilton

Hampton

Haralson

Hardwick

Harlem

Harrison

Hartsfield

Hartwell

Hawkinsville

Hazlehurst

Helen

Helena

Hephzibah

Hiawassee

High Shoals

Hillsboro

Hinesville

Hiram

Hoboken

Hogansville

Holly Springs

Homer

Homerville

Hortense

Hoschton

Howard

Hull

Ideal

Ila

Inman

Iron City

Irwinton

Irwinville

Jackson

Jacksonville

Jakin

Jasper

Jefferson

Jeffersonville

Jekyll Island

Jenkinsburg

Jersey

Jesup

Jewell

Jonesboro

Juliette

Junction City

Kathleen

Kennesaw

Keysville

Kings Bay

Kingsland

Kingston

Kite

Knoxville

La Fayette

Lagrange

Lake Park

Lakeland

Lakemont

Lavonia

Lawrenceville

Leary

Lebanon

Leesburg

Lenox

Leslie

Lexington

Lilburn

Lilly

Lincolnton

Lindale

Lithia Springs

Lithonia

Lizella

Locust Grove

Loganville

Lookout Mountain

Louisville

Louvale

Lovejoy

Ludowici

Lula

Lumber City

Lumpkin

Luthersville

Lyerly

Lyons

Mableton

Macon

Madison

Manassas

Manchester

Manor

Mansfield

Marble Hill

Marietta

Marshallville

Martin

Matthews

Mauk

Maxeys

Maysville

McCaysville

Mcdonough

McIntyre

McRae

Meansville

Meigs

Meldrim

Menlo

Meridian

Mershon

Mesena

Metter

Midland

Midville

Midway

Milan

Milledgeville

Millen

Millwood

Milner

Mineral Bluff

Mitchell

Molena

Monroe

Montezuma

Monticello

Montrose

Moreland

Morgan

Morganton

Morris

Morrow

Morven

Moultrie

Mount Airy

Mount Berry

Mount Vernon

Mount Zion

Mountain City

Murrayville

Musella

Mystic

Nahunta

Nashville

Naylor

Nelson

Newborn

Newington

Newnan

Newton

Nicholls

Nicholson

Norcross

Norman Park

Norristown

Norwood

Nunez

Oakfield

Oakman

Oakwood

Ochlocknee

Ocilla

Oconee

Odum

Offerman

Oglethorpe

Oliver

Omaha

Omega

Orchard Hill

Oxford

Palmetto

Parrott

Patterson

Pavo

Peachtree City

Pearson

Pelham

Pembroke

Pendergrass

Perkins

Perry

Pine Lake

Pine Mountain

Pine Mountain Valley

Pinehurst

Pineview

Pitts

Plainfield

Plains

Plainville

Pooler

Portal

Porterdale

Poulan

Powder Springs

Preston

Pulaski

Putney

Quitman

Rabun Gap

Ranger

Ray City

Rayle

Rebecca

Red Oak

Redan

Register

Reidsville

Rentz

Resaca

Rex

Reynolds

Rhine

Riceboro

Richland

Richmond Hill

Rincon

Ringgold

Rising Fawn

Riverdale

Roberta

Rochelle

Rock Spring

Rockledge

Rockmart

Rocky Face

Rocky Ford

Rome

Roopville

Rossville

Roswell

Royston

Rupert

Rutledge

Rydal

Saint George

Saint Marys

Saint Simons Island

Sale City

Sandersville

Sapelo Island

Sardis

Sargent

Sasser

Sautee Nacoochee

Savannah

Scotland

Scottdale

Screven

Sea Island

Senoia

Seville

Shady Dale

Shannon

Sharon

Sharpsburg

Shellman

Shiloh

Siloam

Silver Creek

Smarr

Smithville

Smyrna

Snellville

Social Circle

Soperton

Sparks

Sparta

Springfield

Stapleton

Statenville

Statesboro

Statham

Stephens

Stillmore

Stockbridge

Stockton

Stone Mountain

Suches

Sugar Valley

Summertown

Summerville

Sumner

Sunny Side

Surrency

Suwanee

Swainsboro

Sycamore

Sylvania

Sylvester

Talbotton

Talking Rock

Tallapoosa

Tallulah Falls

Talmo

Tarrytown

Tate

Taylorsville

Temple

Tennga

Tennille

The Rock

Thomaston

Thomasville

Thomson

Tifton

Tiger

Tignall

Toccoa

Toomsboro

Townsend

Trenton

Trion

Tucker

Tunnel Hill

Turin

Turnerville

Twin City

Ty Ty

Tybee Island

Tyrone

Unadilla

Union City

Union Point

Upatoi

Uvalda

Valdosta

Valona

Varnell

Vidalia

Vienna

Villa Rica

Waco

Wadley

Waleska

Walthourville

Waresboro

Warm Springs

Warner Robins

Warrenton

Warthen

Warwick

Washington

Watkinsville

Waverly

Waverly Hall

Waycross

Waynesboro

Waynesville

West Green

West Point

Weston

Whigham

White

White Oak

White Plains

Whitesburg

Wildwood

Wiley

Willacoochee

Williamson

Winder

Winston

Winterville

Woodbine

Woodbury

Woodland

Woodstock

Wray

Wrens

Wrightsville

Yatesville

Young Harris

Zebulon