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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
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Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
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Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

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Georgia Mortgage Rates

From the coast and the mountains on either side of the state to the popular Atlanta area, there is plenty to love about real estate in Georgia.

If you are looking to make a purchase anywhere in the Peach State, the first thing you will want to do is keep an eye on current Georgia Mortgage Rates.

Common Georgia Loan Types:

  • Georgia conventional mortgages: Georgia mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
  • Georgia FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Georgia on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • Georgia VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Georgia through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Georgia Mortgage Rates Compared to National Averages

Georgia homebuyers are fortunate in that the interest rates in the Peach State clock in slightly below the national averages.

Buyers here also benefit from the fact that median home prices and the average cost of living in Georgia are also slightly lower than the national averages.

When you combine all three of those factors, it's easy to see why the real estate business is booming all over Georgia. You'll be hard-pressed to find a state with a better combination of interest rates, home prices, and overall cost of living.