Get a Lower rate in Georgia whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.746%	2.000	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.875%	6.230%	1.875	$2,929
Conventional 30-Year Fixed	6.375%	6.618%	2.125	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	6.000%	6.829%	2.500	$2,280
VA 30-Year Refinance	6.125%	6.401%	2.375	$2,137
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.792%	2.500	$2,209
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.746% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.230% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.618% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.829% APR and $2,280 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.401% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.792% APR and $2,209 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

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Refinance Rates Trend in Georgia

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Refinance Rates in Georgia

Georgia refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Georgia mortgage rates.

Types of Refinances Available in Georgia

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. The refinance break-even calculator can compare your upfront costs with the expected monthly savings.

FHA and VA Refinance Options in Georgia

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting. HUD's FHA streamline refinance guidance provides the program requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower the interest rate or make payments more stable by moving from an adjustable-rate loan to a fixed-rate loan. The VA's IRRRL guidance covers eligibility and program requirements.

Conforming Loan Limits for a Georgia Refinance

Georgia uses the same one-unit conforming loan limit throughout the state. Under FHFA's 2026 conforming loan limits, the one-unit limit is $832,750 across Georgia.

A one-unit refinance above $832,750 exceeds the conforming loan limit anywhere in Georgia. A mortgage below that amount still has to meet the applicable conventional loan requirements to qualify as conforming.

Georgia Refinance FAQs

When Does Refinancing Make Sense in Georgia?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. Georgia's intangible recording tax can also factor into the transaction costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Do Georgia Conforming Loan Limits Vary by County?

No. Georgia uses a $832,750 conforming loan limit for one-unit properties statewide in 2026. A one-unit mortgage above that amount exceeds the conforming loan limit anywhere in the state.

Can I Refinance a VA Loan in Georgia?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

Where Can I Find Information About Georgia Housing Assistance Programs?

The Georgia Department of Community Affairs, which serves as the state's housing finance agency, provides information about homeownership and housing assistance programs. Program availability and eligibility depend on the specific program.

Loan Officers in Georgia

Sammi Sammis

Branch Manager

NMLS ID# 210173

Georgia Mortgage Refinance Rates

Current Georgia Home Refinance Rates

Legal Disclosures

Get your personalized rate

Refinance Rates Trend in Georgia

Legal Disclosures

What Affects Mortgage Refinance Rates in Georgia

Types of Refinances Available in Georgia

FHA and VA Refinance Options in Georgia

Conforming Loan Limits for a Georgia Refinance

Georgia Refinance FAQs

When Does Refinancing Make Sense in Georgia?

Do Georgia Conforming Loan Limits Vary by County?

Can I Refinance a VA Loan in Georgia?

Where Can I Find Information About Georgia Housing Assistance Programs?

Loan Officers in Georgia

Sammi Sammis

Monica Mudie

Brittany Ashe

Chris Pulliam

Tanner Aycock

Blaine Bailey

Terri Cagle

Stephen Gowen

Jeff Ingram

Allen KenKnight

Rick Fantucci

Doug Richards

Brett Depriest

Katy Najera

Marc Levine

Eva Aycock

Bill Decker

Dyan Edwards

Rebekah Killgo

Logan Judah

Nick Morrone

Cindy Hammond

Tina Harrison

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