Who has the best mortgage rates in Georgia?

I’m looking for a primary, single-family home in for , and credit score.

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Insights

Negotiate everything—rates, fees, and terms are not set in stone.

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Lenders with low rates in GA

TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.

LenderLender fees
Customer reviews

Insights

Negotiate everything—rates, fees, and terms are not set in stone.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

Lenders in GA likely to have high rates

We don’t accept advertising, so you can get the real lender story. TrueRate looked at 72 lenders and found that these lenders are likely to offer you a high rate.

LenderLender fees
Customer reviews

Insights

Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

Lenders with average rates in GA

You deserve better than what these lenders historically provide.


Don’t let lenders pull a fast one on you

Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.

6.51% - 6.69%

Insights

TrueRate compares lenders based on their 0 points or par rate. You should use this rate when comparing lenders.
Portrait of James McTernan, Tomo Mortgage Loan AdvisorInsights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556

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Methodology

We believe in transparency. Here’s how we crunched the numbers.

Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.


Georgia is shaping up to be a hot spot for homebuyers

If you’ve been considering a move to the Peach State, now is an ideal time to explore the diverse housing market without stretching your budget.

Atlanta, the capital and cultural hub, leads the way with its thriving economy, vibrant arts scene, and iconic Southern cuisine. Neighborhoods like Inman Park and Old Fourth Ward offer a blend of historic charm and modern conveniences, making them popular with both young professionals and families. The median home price in Atlanta is around $400,000, which is still reasonable compared to other major metropolitan areas, especially considering the potential for appreciation.

But Georgia’s appeal extends beyond Atlanta. Cities like Savannah and Augusta offer their own unique charm. Savannah is renowned for its stunning historic architecture and coastal allure, with a median home price of about $300,000. Its vibrant arts scene and picturesque streets make it an attractive place to call home. Meanwhile, Augusta, famous for its golf tournaments, boasts a strong sense of community with a median home price around $230,000—ideal for families and retirees.

For those seeking a slower pace, places like Macon and Athens offer more relaxed living while still providing access to local culture and amenities. Macon’s median home price is approximately $180,000, while Athens, home to the University of Georgia, has a median of about $300,000.

Georgia also offers a range of programs for first-time homebuyers, including down payment assistance and affordable loan options, making homeownership more accessible than ever.