Mortgage Rates in Georgia20 Year Fixed mortgage rates in Georgia are at 6.250% with 0.000% point(s), 20 Year Fixed mortgage rates in Georgia are at 6.125% with 0.000% point(s), 30-Year Fixed (Jumbo) mortgage rates in Georgia are at 6.000% with 0.750% point(s). Georgia Mortgage 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. Compare mortgage and refinance rates in Georgia. Save money by using our free tool to find customized mortgage and refinance rates for Georgia (GA). Use our mortgage calculator to check how much monthly payments will be on your home loan. 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. Adjustable rates on 5/6 ARM loans in Georgia with 0.000% point(s) are at 8.000%, Georgia 7/1 ARM (Jumbo) mortgage rates are at 6.125% with 0.000% point(s), Mortgage rates on adjustable loans include 5/5 ARM with 0.000% point(s) in Georgia at 5.625%. Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.53%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.53%
5/6 ARM Conforming
6.45%
5/6 ARM Jumbo
6.83%
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. Mortgage Rates in Georgia March 23, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Georgia Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in Georgia? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. Georgia Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in Georgia? You can list your company, contact information, website an logo here. Contact us to find out how. Georgia Conforming Mortgage RatesConforming 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 $regionName. 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 RatesSuper 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 RatesGeorgia 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 MortgagesFixed 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 RatesGeorgia 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 RatesGeorgia 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 RatesBorrowers 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. Cities in GeorgiaAbbevilleAcworthAdairsvilleAdelAdrianAileyAlamoAlapahaAlbanyAllenhurstAllentownAlmaAlpharettaAlstonAltoAmbroseAmericusAndersonvilleApplingArabiAragonArgyleArlingtonArmucheeArnoldsvilleAshburnAthensAtlantaAttapulgusAuburnAugustaAustellAveraAvondale EstatesAxsonBacontonBainbridgeBaldwinBall GroundBarnesvilleBarneyBartowBarwickBaxleyBellvilleBerlinBethlehemBishopBlackshearBlairsvilleBlakelyBloomingdaleBlue RidgeBlufftonBlytheBogartBolingbrokeBonaireBonevilleBostonBostwickBowdonBowdon JunctionBowersvilleBowmanBox SpringsBraseltonBremenBrinsonBristolBronwoodBrookfieldBrookletBrooksBroxtonBrunswickBuchananBuckheadBuena VistaBufordButlerByromvilleByronCadwellCairoCalhounCalvaryCamakCamillaCanonCantonCarltonCarnesvilleCarrolltonCartersvilleCassvilleCataulaCave SpringCecilCedar SpringsCedartownCentervilleChatsworthChaunceyCherrylogChesterChestnut MountainChickamaugaChulaCiscoClarkdaleClarkesvilleClarkstonClaxtonClaytonClermontClevelandClimaxClinchfieldClyoCobbCobbtownCochranCohuttaColbertColemanCollinsColquittColumbusComerCommerceConcordConleyConyersCoolidgeCoosaCordeleCorneliaCottonCovingtonCrandallCrawfordCrawfordvilleCrescentCullodenCummingCussetaCuthbertDaculaDahlonegaDaisyDallasDaltonDamascusDanielsvilleDanvilleDarienDavisboroDawsonDawsonvilleDe SotoDearingDecaturDemorestDentonDewy RoseDexterDillardDixieDoerunDonalsonvilleDouglasDouglasvilleDoverDry BranchDu PontDublinDudleyDuluthEast EllijayEast PointEastanolleeEastmanEatontonEdenEdisonElbertonElkoEllabellEllavilleEllentonEllenwoodEllerslieEllijayEmersonEnigmaEpworthEsom HillEtonEvansExperimentFairburnFairmountFargoFarmingtonFayettevilleFeltonFitzgeraldFlemingFlintstoneFlovillaFlowery BranchFolkstonForest ParkForsythFort BenningFort GainesFort OglethorpeFort StewartFort ValleyFortsonFowlstownFranklinFranklin SpringsFunstonGainesvilleGarfieldGayGenevaGeorgetownGibsonGillsvilleGirardGlennGlennvilleGlenwoodGood HopeGordonGoughGracewoodGrantvilleGrayGraysonGraysvilleGreensboroGreenvilleGriffinGrovetownGuytonHaddockHaganHahiraHamiltonHamptonHaralsonHardwickHarlemHarrisonHartsfieldHartwellHawkinsvilleHazlehurstHelenHelenaHephzibahHiawasseeHigh ShoalsHillsboroHinesvilleHiramHobokenHogansvilleHolly SpringsHomerHomervilleHortenseHoschtonHowardHullIdealIlaInmanIron CityIrwintonIrwinvilleJacksonJacksonvilleJakinJasperJeffersonJeffersonvilleJekyll IslandJenkinsburgJerseyJesupJewellJonesboroJulietteJunction CityKathleenKennesawKeysvilleKings BayKingslandKingstonKiteKnoxvilleLa FayetteLagrangeLake ParkLakelandLakemontLavoniaLawrencevilleLearyLebanonLeesburgLenoxLeslieLexingtonLilburnLillyLincolntonLindaleLithia SpringsLithoniaLizellaLocust GroveLoganvilleLookout MountainLouisvilleLouvaleLovejoyLudowiciLulaLumber CityLumpkinLuthersvilleLyerlyLyonsMabletonMaconMadisonManassasManchesterManorMansfieldMarble HillMariettaMarshallvilleMartinMatthewsMaukMaxeysMaysvilleMcCaysvilleMcdonoughMcIntyreMcRaeMeansvilleMeigsMeldrimMenloMeridianMershonMesenaMetterMidlandMidvilleMidwayMilanMilledgevilleMillenMillwoodMilnerMineral BluffMitchellMolenaMonroeMontezumaMonticelloMontroseMorelandMorganMorgantonMorrisMorrowMorvenMoultrieMount AiryMount BerryMount VernonMount ZionMountain CityMurrayvilleMusellaMysticNahuntaNashvilleNaylorNelsonNewbornNewingtonNewnanNewtonNichollsNicholsonNorcrossNorman ParkNorristownNorwoodNunezOakfieldOakmanOakwoodOchlockneeOcillaOconeeOdumOffermanOglethorpeOliverOmahaOmegaOrchard HillOxfordPalmettoParrottPattersonPavoPeachtree CityPearsonPelhamPembrokePendergrassPerkinsPerryPine LakePine MountainPine Mountain ValleyPinehurstPineviewPittsPlainfieldPlainsPlainvillePoolerPortalPorterdalePoulanPowder SpringsPrestonPulaskiPutneyQuitmanRabun GapRangerRay CityRayleRebeccaRed OakRedanRegisterReidsvilleRentzResacaRexReynoldsRhineRiceboroRichlandRichmond HillRinconRinggoldRising FawnRiverdaleRobertaRochelleRock SpringRockledgeRockmartRocky FaceRocky FordRomeRoopvilleRossvilleRoswellRoystonRupertRutledgeRydalSaint GeorgeSaint MarysSaint Simons IslandSale CitySandersvilleSapelo IslandSardisSargentSasserSautee NacoocheeSavannahScotlandScottdaleScrevenSea IslandSenoiaSevilleShady DaleShannonSharonSharpsburgShellmanShilohSiloamSilver CreekSmarrSmithvilleSmyrnaSnellvilleSocial CircleSopertonSparksSpartaSpringfieldStapletonStatenvilleStatesboroStathamStephensStillmoreStockbridgeStocktonStone MountainSuchesSugar ValleySummertownSummervilleSumnerSunny SideSurrencySuwaneeSwainsboroSycamoreSylvaniaSylvesterTalbottonTalking RockTallapoosaTallulah FallsTalmoTarrytownTateTaylorsvilleTempleTenngaTennilleThe RockThomastonThomasvilleThomsonTiftonTigerTignallToccoaToomsboroTownsendTrentonTrionTuckerTunnel HillTurinTurnervilleTwin CityTy TyTybee IslandTyroneUnadillaUnion CityUnion PointUpatoiUvaldaValdostaValonaVarnellVidaliaViennaVilla RicaWacoWadleyWaleskaWalthourvilleWaresboroWarm SpringsWarner RobinsWarrentonWarthenWarwickWashingtonWatkinsvilleWaverlyWaverly HallWaycrossWaynesboroWaynesvilleWest GreenWest PointWestonWhighamWhiteWhite OakWhite PlainsWhitesburgWildwoodWileyWillacoocheeWilliamsonWinderWinstonWintervilleWoodbineWoodburyWoodlandWoodstockWrayWrensWrightsvilleYatesvilleYoung HarrisZebulonOther Mortgage Rate Deals
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