30-Year Fixed Mortgage Refinance Interest Rates in Georgia
Explore 30-year jumbo mortgage interest rates in Georgia over time.
Current Interest Rate: 6.83%
Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US
Compare mortgage rates in Georgia
Showing results for: 30-Year Fixed refinance offers for Single Family or Townhome properties in GA, total loan amount of $228,000.
Lender | APR | Monthly Payment | Rate | |
---|---|---|---|---|
![]() | 5.933%30-Year FixedLowest APR | $1,331Fees & Points: $4,560Includes 2.000 Points ($4,560)Lowest Payment | 5.750% | |
![]() | 5.933%30-Year FixedLowest APR | $1,331Fees & Points: $4,560Includes 1.500 Points ($3,420)Lowest Payment | 5.750% | |
![]() | 5.952%30-Year Fixed | $1,331Fees & Points: $5,258Includes 1.863 Points ($4,248)Lowest Payment | 5.750% | |
![]() | 6.057%30-Year Fixed | $1,349Fees & Points: $4,604Includes 1.539 Points ($3,509) | 5.875% | |
![]() | 6.095%30-Year Fixed | $1,349Fees & Points: $5,459Includes 1.958 Points ($4,464) | 5.875% | |
![]() | 6.095%30-Year Fixed | $1,349Fees & Points: $5,531Includes 1.959 Points ($4,467) | 5.875% | |
![]() | 6.155%30-Year Fixed | $1,366Fees & Points: $4,038Includes 1.771 Points ($4,038) | 5.990% | |
![]() | 6.185%30-Year Fixed | $1,367Fees & Points: $4,553Includes 1.997 Points ($4,553) | 6.000% | |
![]() | 6.243%30-Year Fixed | $1,367Fees & Points: $5,985Includes 1.625 Points ($3,705) | 6.000% | |
![]() | 6.338%30-Year Fixed | $1,386Fees & Points: $5,207Includes 1.672 Points ($3,812) | 6.125% | |
![]() | 6.425%30-Year Fixed | $1,404Fees & Points: $4,395Includes 1.841 Points ($4,197) | 6.250% | |
![]() | 6.904%30-Year Fixed | $1,479Fees & Points: $3,600Includes 1.579 Points ($3,600) | 6.750% |

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Rates and fees are estimates and subject to change without notice. Payments do not include taxes and insurance premiums. Actual payments may be higher. Not all lenders participate in this marketplace. Loan availability and terms may vary by state and lender. Lender offers, including badges like “Lowest APR” or “Lowest Payment,” are based only on results displayed here and may not reflect the absolute lowest offer available in the market. Rate and product details
Key Factors Influencing 30-Year Mortgage Rates in GA
Discover the critical factors that affect 30-year mortgage rates in Georgia. These include statewide economic indicators, inflation trends, Federal Reserve decisions, and global economic shifts. An understanding of how these elements work together is essential for those planning to secure a long-term mortgage, with the state's unique housing market trends also playing a vital role.
Benefits of Choosing a 30-Year Fixed Mortgage
Choosing a 30-year fixed mortgage in GA provides significant benefits, including the stability of fixed monthly payments over a longer duration, which facilitates easier budgeting and financial planning. This type of mortgage shields homeowners from fluctuations in interest rates, offering a dependable payment schedule throughout the loan term.
How to Secure the Best 30-Year Mortgage Rate in GA
- Boost Your Credit Score: Achieving a high credit score is crucial to access the lowest interest rates available for a 30-year mortgage in Georgia.
- Increase Your Down Payment: A larger initial down payment reduces the lending risk, which can lead to more favorable interest rates.
- Shop for Rates: Actively compare 30-year mortgage rates offered by various lenders throughout Georgia. Utilize online tools specifically designed for mortgage comparison to ensure you find the most competitive rates.
- Showcase Financial Stability: Lenders look favorably on borrowers who demonstrate consistent income and a healthy debt-to-income ratio. Strong financial standing can significantly improve the terms of your mortgage.
- Consider Buying Points: Purchasing points can lower your overall interest rate, which can be particularly advantageous if you intend to stay in your home long-term. Always calculate the break-even point to make sure this strategy aligns with your financial goals.
View interest rates by city
Discover the latest 30-year mortgage refinance rates in Georgia. Click on your city to view the most recent offers: