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How to Get the Best Rate in Georgia
Mortgage rates are not one-size-fits-all. The rate you receive depends on your credit profile, the loan type you choose, your down payment, and current market conditions. Here is what you can control to secure the lowest rate possible.
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Understanding Georgia Mortgage Rates
Georgia mortgage rates are influenced by national economic trends, but local market conditions also play a significant role. The state's strong economy, growing population, and relatively affordable housing compared to other states contribute to competitive mortgage rates. Currently, Georgia borrowers can access a range of mortgage products, including conventional, FHA, VA, and USDA loans, each with its own rate structure and benefits.
When shopping for a mortgage in Georgia, it's essential to compare rates from multiple lenders, including local credit unions and community banks, which may offer more competitive rates than national lenders. Additionally, Georgia's homebuyer assistance programs, such as the Georgia Dream program, can provide below-market rates and down payment assistance to eligible borrowers.
Check our live rate widget above for the most current Georgia mortgage rates.
Georgia Homebuyer Assistance Programs
The Georgia Dream program is a valuable resource for first-time homebuyers and those who haven't owned a home in three years. This program offers 30-year fixed-rate mortgages at competitive rates, plus down payment assistance of up to $10,000. To qualify, buyers must meet income limits and purchase price caps, which vary by county. Other assistance programs, such as the Georgia Home of Your Own, also provide resources for homebuyers, including down payment assistance and mortgage credit certificates.
Contact a mortgage professional to determine your eligibility for Georgia homebuyer assistance programs.
USDA Loans in Georgia
Georgia is one of the top states for USDA loan usage, thanks to its extensive rural areas that qualify for these zero-down mortgages. USDA loans are particularly popular in communities south of Atlanta, as well as in rural counties throughout the state. These loans offer competitive rates, no down payment requirements, and lower mortgage insurance premiums compared to FHA loans. To qualify, borrowers must meet income limits and purchase a primary residence in an eligible rural area.
Check your eligibility for USDA loans in Georgia with our mortgage professionals.
Property Taxes in Georgia
Georgia property taxes vary by county, with an average effective rate of 0.83%. Fulton County, which includes Atlanta, has a higher rate of around 1.10%, while some rural counties have rates as low as 0.50%. Georgia's homestead exemption can significantly reduce property taxes for homeowners. By filing for homestead exemption, homeowners can lower their taxable home value, resulting in annual savings of $1,500 to $3,000, depending on the county. The deadline to file for homestead exemption is April 1st, so it's crucial to plan your home purchase accordingly.
Consider the impact of property taxes on your mortgage costs when choosing a home in Georgia.
Georgia Mortgage Rates FAQs
Georgia mortgage rates typically run close to national averages, with some variation based on lender competition in the Atlanta metro. Georgia's relatively affordable home prices mean more buyers qualify for standard conforming loans at the best available rates. Check our live rate widget above for today's Georgia rates.
Georgia property taxes average about 0.83% of assessed value, which is below the national average. Fulton County (Atlanta) rates are higher at roughly 1.10%, while rural counties can be as low as 0.50%. Georgia also offers a homestead exemption that reduces your taxable home value, lowering your annual tax bill by $1,500-$3,000 depending on the county.
Georgia Dream is the state's premier homebuyer assistance program, offering 30-year fixed-rate mortgages at competitive rates plus down payment assistance of up to $10,000. It's available to first-time buyers and those who haven't owned a home in three years. Income limits and purchase price caps apply, but they're generous enough to cover most middle-income buyers purchasing in eligible areas.
Very common. Georgia is one of the top states for USDA loan usage because the vast majority of the state meets USDA rural eligibility requirements. Areas like Henry County, Newton County, and many communities south of Atlanta qualify. USDA loans offer 0% down, no PMI, and rates that are often competitive with conventional options.
Conventional loans are ideal for Georgia buyers with stronger credit profiles and larger down payments, while FHA loans are better for first-time buyers or those with lower credit scores. FHA loans require just 3.5% down and have more lenient credit requirements, making them popular among Georgia's first-time homebuyers.
Georgia Mortgage Resources
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