Compare today's mortgage rates

Compare Georgia’s Mortgage Rates | Monday, February 9, 2026

Rates are current as of February 9, 2026 1:20 AM EST

Georgia average mortgage rates:

30-Year Fixed

APR 5.82%

-0.21% 1w

15-Year Fixed

APR 5.32%

-0.21% 1w

5-Year ARM

APR 6.27%

-0.28% 1w

4 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence

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4 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence.

NMLS#1764611

APR

5.82%

APR

5.82%

Interest rate

5.75%

Est. mo. payment

$2,335/mo

Total fees

$2,992

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The Nerdy headline

Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.

Home loans overall

NerdWallet rating

4.5

What we like

Loan origination process can be completed online.
Offers government-backed FHA and VA loans.
Offers module that compares mortgage rates among other lenders.

What we don't like

Offers loans in many states and Washington, D.C., but not nationwide.
Does not offer home equity loans or lines of credit.

NMLS#3304

APR

6.01%

APR

6.01%

Interest rate

6.00%

Est. mo. payment

$2,397/mo

Total fees

$570

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The Nerdy headline

Sage Home Loans stands out for speed and convenience, though it lacks a mobile app and doesn’t serve New York borrowers.

Home loans overall

NerdWallet rating

4.5

What we like

Sample rates are easy to browse online.
Quick, convenient pre-qualification process.
Average time to close is just under 20 days, faster than industry standard.

What we don't like

Home loans aren’t available in New York.
No mobile app or online chat, despite focus on mortgage tech.
Online pre-qualification requires sharing contact info.

NMLS#6606

APR

6.03%

APR

6.03%

Interest rate

5.99%

Est. mo. payment

$2,396/mo

Total fees

$1,629

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The Nerdy headline

New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.

Home loans overall

NerdWallet rating

4.5

What we like

Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
Its home equity line of credit can be used for a primary residence or second home.

What we don't like

Average origination fees are on the high side, according to the latest federal data.
Personalized mortgage rates are not available on the website without providing contact information.

NMLS#407985

APR

6.04%

APR

6.04%

Interest rate

6.00%

Est. mo. payment

$2,399/mo

Total fees

$1,842

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The Nerdy headline

Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.

Home loans overall

NerdWallet rating

4.0

What we like

Among the best when it comes to online convenience.
Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
Claims to offer preapproval within 24 hours of loan application.

What we don't like

You'll have to complete a loan application to see mortgage interest rates.
Bank branch locations limited to the Midwest.
Does not offer home equity lines of credit.

About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Explore Georgia's mortgage rate trends

See how rates have changed over time to understand past patterns and economic fluctuations

Historical timeline

Loan purpose

Loan type

Georgia’s average 5.82%

Georgia’s average mortgage rates today

Product	Interest rate	APR
30-year Fixed	5.81%	5.82%
30-year Fixed FHA	6.33%	7.15%
30-year Fixed VA	5.46%	5.67%
20-year Fixed	5.63%	5.64%
15-year Fixed	5.29%	5.32%
10-year Fixed	5.49%	5.60%
3-year ARM	7.92%	7.52%
5-year ARM	5.72%	6.27%
7-year ARM	5.83%	6.20%
10-year ARM	5.81%	5.82%

Accurate as of 02/08/2026.

Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use

Today's mortgage rates in Georgia | Monday, February 9, 2026

Last updated 1:20 AM EST

On Monday morning, February 9, 2026, the average interest rate on a 30-year fixed-rate mortgage fell ten basis points to 5.82% APR, compared to yesterday.

The average rate on a 15-year fixed-rate mortgage fell 21 basis points to 5.32% APR. The average rate on a 5-year adjustable-rate mortgage rose two basis points to 6.27% APR.

The 30-year fixed-rate mortgage rate is 22 basis points lower than one week ago and 88 basis points lower than one year ago.

A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.

NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.