Check today's rates, estimate your monthly payment, compare loan programs, and explore your city's market — all from one page.
30-Year Fixed
7.42%
Today's average for Georgia, pulled from federal mortgage data.
Loan Programs
5
FHA, VA, USDA, conventional, and Georgia Dream — compared side by side.
City Guides
12
Local prices, neighborhoods, and buyer tips across the state.
Georgia Dream's 6.625% rate is about 0.6 points below the national FHA average, not the 0.78 points a headline comparison suggests. Here is what that gap is worth on a $300,000 Georgia home, and why the refinance trigger on the down payment loan matters more when rates are above 7%.
Oct 11
Hurricane Isaias put all 159 Georgia counties under a state of emergency. If you close this month, the main question is whether you can show your lender a bound homeowners policy. Here is what to ask your agent, loan officer and closing attorney.
Oct 10
The core Atlanta median has slipped from its summer high and contracts are down sharply. Higher mortgage rates have more than erased that discount, so a typical house costs about $240 more a month than it did last fall.
Oct 9
Federal law requires flood insurance only for homes in FEMA high-risk zones financed by federally regulated or insured lenders. Outside those zones, your Georgia lender can still require it. Here's how to check your map, read your zone, and decide whether to buy a policy anyway.
Oct 8
30-Yr Fixed
7.42%
15-Yr Fixed
6.74%
FHA 30-Yr
7.18%
VA 30-Yr
7.09%
USDA 30-Yr
7.12%
Jumbo 30-Yr
7.37%
Source: FRED · Updated Oct 13, 2026
Estimated Monthly Payment
$2,428.11
Principal & interest only. Does not include taxes, insurance, or PMI.
With mortgage rates back above 7%, most Georgia owners should not refinance. Three groups can still come out ahead, but only after Georgia's intangible recording tax and closing costs are counted.
Oct 7
ARMs are back near a four-year high as fixed rates top 7%. We ran the numbers on Georgia's median-priced home to show what a 7/6 ARM saves, what it could cost at reset, and who should skip it.
Oct 6
In Georgia, any one-unit loan above $832,750 is a jumbo, and reserves are often what stops buyers who already have the down payment. Here is how lenders count your savings, how they discount a 401(k), and a worked $900,000 example.
Oct 5
With 30-year rates above 7%, a cash-out refi can cost a Georgia owner with a 3% mortgage hundreds of dollars a month. We compare a HELOC, a home equity loan and a cash-out refi on a $50,000 need, including Georgia's intangible recording tax.
Oct 4
Peach Select VA is the state's lower-rate VA loan with no down payment assistance. Repeat buyers can use it. Here are the credit, income, price and education rules by county, and how to apply.
Oct 3
Rates have risen six weeks in a row, and Georgia's state of emergency may have pushed your closing date eight days later. Here's how to size a rate lock to your attorney's closing date, what extensions and float-downs cost, and what to get in writing.
Oct 2Fixed & adjustable rates for qualified buyers
Low down payment, flexible credit requirements
Zero down for eligible veterans & service members
Rural Georgia properties, no down payment
State program for first-time homebuyers
An escrow shortage letter usually means your county tax bill or insurance premium went up. Here is how to read it, choose between a lump sum and 12 payments, and spot errors worth disputing.
By Mortgage in Georgia Editorial · Oct 1
FHA has posted a draft rewrite of its property standards that would ease rules on paint, utilities, crawl spaces and wells. The draft is not in effect yet. Here is what it would change, and what Georgia buyers looking at older homes in places like Macon and Columbus should plan for now.
By Mortgage in Georgia Editorial · Sep 30
Georgia's insurance commissioner does not pre-approve home insurance rates, but the office is not powerless either. Here is what state law allows, what the Nov. 3 candidates are promising, and how a premium increase shows up in your mortgage escrow.
By Mortgage in Georgia Editorial · Sep 29
An assumable FHA loan lets a Georgia buyer keep the seller's old rate, but the buyer has to qualify with the seller's servicer, cover the equity gap in cash or with a second loan, and plan for a slow approval process. Here is how the process works and why so many of these deals close with a new loan instead.
By Mortgage in Georgia Editorial · Sep 28
Oct 12 · WSB-TV
Oct 12 · MONEY
Oct 11 · Savannah Morning News
Oct 9 · MONEY
Oct 8 · Realtor.com
Oct 8 · Yahoo Finance
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