Compare Mortgage Rates

  • Refinance
  • Home Purchase
  • Home Equity
  • Debt Consolidation

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Include 1st & 2nd mortgages plus any equity loans or credit lines
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Georgia Mortgages at a glance

Average 25th Percentile 50th Percentile 75th Percentile
Loan Amount $175,470 $102,500 $151,200 $205,000
Property Values $237,638 $127,500 $187,500 $270,000
Average LTV 81.6%
Percent Refinance 77.0%
Pct of Refis Cashout 9.6%

Georgia Mortgage Rates

Georgia is a great place to practice your golf swing, cheer on the Braves, or listen to live jazz; but it's also a great place to buy and finance your home. You can simplify your search for the best mortgage rates by learning some mortgage basics. Here are a few examples:

  • Comparing mortgages by payment alone is dangerous. When a mortgage has a very low payment, it might mean that you aren't paying down any principal.
  • Paying down your mortgage allows you to build equity. Therefore, it's important to know how your prospective mortgage options will amortize over time.
  • Evaluating mortgages by the stated rate alone can be misleading. Instead, look at the annual percentage rate or APR; it includes the mortgage's upfront closing costs.

Quicken Loans

4.473%APR

Rates as of: 4/24/2014 30 Yr. Fixed
  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
Show Phone number

Call Now: 800-695-1899

Rate APR Term Point Payment
  • 4.125%
  • 4.250%
  • 4.375%
  • 4.500%
  • 4.625%
  • 4.625%
  • 4.473%
  • 4.514%
  • 4.520%
  • 4.646%
  • 4.696%
  • 4.696%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 2.000%
  • 0.875%
  • 0.875%
  • 0.000%
  • 0.000%
  • $994
  • $1,008
  • $1,024
  • $1,039
  • $1,054
  • $1,054

Capital One

4.327%APR

Rates as of: 4/24/2014 30 Yr. Fixed
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
Show Phone number

Call Now: 855-238-8771

Rate APR Term Point Payment
  • 4.125%
  • 4.250%
  • 4.500%
  • 4.327%
  • 4.367%
  • 4.533%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $994
  • $1,008
  • $1,039

The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. More Info.. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.

Georgia Rate Map

This Rate Map for the state of Georgia shows the rates that individual borrowers were able to obtain on refinanced and home purchase mortgages. Each balloon represents a single mortgage – click on them to see what kind of rates borrowers are getting in your area.

Use the options in the column at left to sort your choices by location and credit score. Individual balloons also feature information on loan size, loan-to-value ratio, loan type, lender and more.

If you recently obtained or refinanced a mortgage and would like to anonymously share information about the terms you were able to get, just click on “Share Your Rate” above the map. Your fellow borrowers will thank you!

NOTE: MortgageLoan.com cannot guarantee the accuracy of the data provided as it is submitted by our visitors.

Understanding Mortgage Loans and Rates

Finding and comparing the many mortgage options available can be a chore. That's why Mortgageloan.com provides a full complement of mortgage-related resources. You can browse rates, read articles, look up terms in the glossary, run the numbers with mortgage calculators, and find qualified Georgia lenders.

Adjustable-rate Mortgages

An adjustable-rate mortgage (ARM) has a low initial rate that remains in place for a specified time period. After that time, a variable rate takes effect. The variable rate is adjusted at regular intervals, according to the movements of an index such as the 12-month moving Treasury average. The variable nature of the ARM makes it somewhat riskier than a fixed-rate mortgage (FRM). Many borrowers refinance out of the ARM once they can afford a more conventional FRM.

Home Equity Loans

When you want to cash out your home equity, you have two options: a second mortgage, or a mortgage refinance. Home equity loans are fixed-rate second mortgages. They're often compared to refinance mortgages because both are used for similar purposes. Often, a home equity loan carries a higher rate than a refinance. However, when you want to pay off the debt quickly, or when your first mortgage is locked in at a low rate, the home equity loan might be the better option.

Local Mortgages

Locating qualified brokers is as easy as browsing through our Georgia broker directory. Before you reach for the phone, however, make sure you're prepared to explain your needs. Here are some tips:

  • Have a good grasp on how much loan you can afford. Try testing out different mortgage loans and rates with our mortgage calculator.
  • Think about how long you intend to own the home; this could determine whether an ARM or FRM is more suitable.
  • Get familiar with how different loan types compare in terms of rates. For example, mortgages with shorter pay-off schedules have lower rates than mortgages with longer pay-off schedules, and refinances have lower rates than second mortgages.

Finally, make it a point to shop around with several lenders. The downside is that you'll have to fill out a few loan applications; however, you'll benefit from having options to compare.