Check today's rates, estimate your monthly payment, compare loan programs, and explore your city's market — all from one page.
30-Year Fixed
400.00%
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.
Savannah has more homes for sale than at any point in the past two years, and they are taking longer to sell. Prices are softening in some measures and flat in others. Here is what the 2026 data means for buyers and for anyone who bought in 2025.
Oct 20
In 2026, a Georgia mortgage becomes a jumbo loan when a one-unit loan goes over $832,750, and that line is the same in every county. The loan amount decides it, not the price, so your down payment often settles which side of the line you land on.
Oct 19
If you close in Gwinnett, Coweta or Hall between now and December, the 2026 tax bill is already out but probably not due yet. Here is how the bill gets split at closing, who the county holds responsible, and the paperwork sellers should file to keep a tax lien out of their name.
Oct 18
Metro Atlanta listings reached a more-than-decade high in September 2026, but the Georgia MLS median held at $399,900. Buyers are winning on concessions, not price, and the Georgia due diligence period is where those negotiations happen.
Oct 17
30-Yr Fixed
400.00%
15-Yr Fixed
400.00%
FHA 30-Yr
400.00%
VA 30-Yr
400.00%
USDA 30-Yr
400.00%
Jumbo 30-Yr
400.00%
Source: FRED · Updated Oct 21, 2026
Estimated Monthly Payment
$116,666.67
Principal & interest only. Does not include taxes, insurance, or PMI.
A National Housing Conference release puts the 2025 income needed for a typically priced home in the Gainesville metro (Hall County) at $130,409, a little above Atlanta's $129,005. Here is how that figure is calculated and what it means for your monthly budget.
Oct 16
Georgia buyers are often told to offer a "due diligence fee" on top of earnest money. The two payments go to different people and follow different refund rules. Here is how each one works under the standard Georgia contract.
Oct 15
From Jan. 1, 2027, FHA lenders that pull more than one credit-score model must use the lowest one, and the weakest borrower's score still sets the terms.
Oct 14
Georgia MLS data for September 2026 shows contracts down 20% and active listings up 8.3%, with the median price holding at $365,000. Inventory is building fastest outside metro Atlanta, and buyers have more leverage, though higher rates mean higher payments.
Oct 13
Every Georgia mortgage carries a state tax tied to the loan amount, not the price: about $3 per $1,000. Here is how it is calculated, who pays it, how refinances are treated and where to find it on your Loan Estimate.
Oct 12
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 11Fixed & 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
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.
By Mortgage in Georgia Editorial · 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.
By Mortgage in Georgia Editorial · 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.
By Mortgage in Georgia Editorial · Oct 8
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.
By Mortgage in Georgia Editorial · Oct 7
Oct 21 · Fortune
Oct 19 · MONEY
Oct 19 · MONEY
Oct 18 · Realtor.com
Oct 16 · Yahoo Finance
Oct 16 · MONEY
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