Georgia Mortgage Rates from a GA Mortgage Lender | Aspire

The Most Recent Georgia Mortgage Rates for Your Home Loan or Refinance

Georgia on your mind?

The Peach State has a lot to offer new homebuyers or those looking to refinance their existing Georgia mortgages. Aspire Lending is a certified Georgia mortgage lender with expertise in the field of Georgia home loans and a direct connection to the most current Georgia mortgage interest rates.

Bookmark this page and check back often if you are interested in securing a Georgia low rate mortgage because rates can change at any time.

georgia

Wondering what type of Georgia mortgage is right for you?

Read our guide to common mortgages in Georgia to see which kind you might qualify for. If you are already a Georgia homeowner but are looking to secure a lower rate on your Georgia mortgage, Aspire Lending also offers great Georgia home loan refinancing rates too.

TODAY'S GEORGIA INTEREST RATES: MORTGAGE REFINANCE *View APR disclosure.

Conventional Refinance

Conventional Refinance 15 Year - Fixed

Interest* APR*

Conventional Refinance 20 Year - Fixed

Interest* APR*

Conventional Refinance 30 Year - Fixed

Interest* APR*

Home Equity / Cash Out Refinance

Home Equity / Cash Out 15 Year - Fixed

Interest* APR*

Home Equity / Cash Out 20 Year - Fixed

Interest* APR*

Home Equity / Cash Out 30 Year - Fixed

Interest* APR*

FHA Streamline Refinance

FHA Streamline 15 Year - Fixed

Interest* APR*

 

FHA Streamline 30 Year - Fixed

Interest* APR*

VA Interest Rate Reduction Refinance Loan (IRRRL)

VA IRRRL 15 Year - Fixed

Interest* APR*

 

VA IRRRL 30 Year - Fixed

Interest* APR*

USDA Streamline Refinance

 
 

USDA Streamline 30 Year - Fixed

Interest* APR*

Jumbo Refinance

 
 

Jumbo Refinance 30 Year - Fixed

Interest* APR*

TODAY'S GEORGIA INTEREST RATES: MORTGAGE PURCHASE *View APR disclosure.

Conventional Purchase

Conventional Purchase 15 Year - Fixed

Interest* APR*

Conventional Purchase 20 Year - Fixed

Interest* APR*

Conventional Purchase 30 Year - Fixed

Interest* APR*

FHA Streamline Purchase

FHA Streamline 15 Year - Fixed

Interest* APR*

 

FHA Streamline 30 Year - Fixed

Interest* APR*

VA Interest Rate Reduction Purchase Loan (IRRRL)

VA IRRRL 15 Year - Fixed

Interest* APR*

 

VA IRRRL 30 Year - Fixed

Interest* APR*

USDA Streamline Purchase

 
 

USDA Streamline 30 Year - Fixed

Interest* APR*

Jumbo Purchase

 
 

Jumbo Purchase 30 Year - Fixed

Interest* APR*

Georgia Conventional Mortgage Refinance

Refinancing to a conventional mortgage to adjust the interest rate and term of your Georgia mortgage can be the most simple way to save you money. A conventional refinance of your Georgia mortgage loan offers the flexibility to adjust your mortgage payment or reduce the total amount of interest you will pay over the loan term.

We offer low rates for your Georgia home loan refinance at Aspire Lending. Come back to this page to check current interest rates and let us know when you are ready to refinance your Georgia Mortgage with a conventional rate and term refinance.

Loan Qualification Guidelines:

Conventional Refinance
  • Minimum FICO Credit Score: 620
  • Maximum Loan to Value: 95%
  • Maximum Debt to Income: 45%
  • Mortgage Insurance: Yes (80% LTV and above)
Georgia Home Equity Loan

Georgia home equity loans are a great way for Georgia homeowners to transform the value in their home to liquid cash. Georgia residents may consider taking out a Georgia home equity loan to free up cash for paying bills, making home improvements, or financing other large purchases.

Aspire Lending has the latest Georgia home loan rates including the most recent Georgia home equity loan rates. Bookmark our website and check back often to see when Georgia home equity loan rates change so that you can ensure you get the best deal possible.

Loan Qualification Guidelines:

Home Equity Loan
  • Minimum FICO Credit Score: 620
  • Maximum Loan to Value: 80%
  • Maximum Debt to Income: 45%
  • Mortgage Insurance: No
Georgia Mortgage Cash Out Refinance

A Georgia cash out refinance is useful for homeowners who are looking to refinance their existing Georgia mortgage and take cash out of their earned home equity. This allows you to take advantage of the equity you've built up in your home and pay a lower interest rate. If you are interested in seeing the latest Georgia mortgage refinance rates check this page often.

Loan Qualification Guidelines:

Cash Out Refinance
  • Minimum FICO Credit Score: 620
  • Maximum Loan to Value: 80%
  • Maximum Debt to Income: 45%
  • Mortgage Insurance: No
Georgia FHA Streamline Refinance Loan

The Georgia FHA streamline refinance loan, allows you to lower your FHA interest rate with a simple and quick refinance process. A FHA Streamline Refinance might be right for you if you are looking to reduce your interest rate on your current FHA mortgage. The FHA streamline refinance loan is a refinance option for Georgia FHA mortgages that does not require an appraisal. Aspire Lending is a Georgia FHA-approved lender. FHA loans are backed by the US Federal Housing Administration.

Loan Qualification Guidelines:

FHA Streamline Refinance
  • Minimum FICO Credit Score: 640
  • Maximum Loan to Value: 95%
  • Maximum Debt to Income: 50%
  • Mortgage Insurance: Yes
Georgia VA IRRRL Loan

U.S. Veterans living in Georgia can potentially benefit from an interest rate reduction refinance loan on their current VA mortgage. Check back with Aspire Lending often for the most updated Georgia VA loan rates.

What is the VA IRRRL program?

The IRRRL program is run by the United States Veterans Administration for those who have served in the United States military and who currently have a loan through the VA. VA IRRRLs are designed to lower or stabilize the monthly payments of a VA loan.

Loan Qualification Guidelines:

VA IRRRL
  • Minimum FICO Credit Score: 660
  • Maximum Loan to Value: 100%
  • Maximum Debt to Income: 41%
  • Mortgage Insurance: No
Georgia USDA Streamline Refinance Loan

A Georgia USDA Streamline Refinance loan allows you to refinance your current USDA loan to better terms. Refinancing a Georgia USDA mortgage to a lower interest rate and payments does not require an updated appraisal. Many Georgia homeowners with USDA rural properties utilize the opportunity to get a streamline refinance to save them money on their mortgage payments and interest. Aspire Lending offers great rates on USDA streamline refinance loans in Georgia, check this page for the most up to date interest rates.

Loan Qualification Guidelines:

USDA Streamline Refinance
  • Minimum FICO Credit Score: 620
  • Maximum Loan to Value: 100%
  • Maximum Debt to Income: 41%
  • Mortgage Insurance: Yes
Georgia Jumbo Refinance Loan

Refinancing your Jumbo mortgage loan to a lower interest rate can save you a lot of interest over the life of the loan. These loans are for an amount greater than $647,200 though this number can be changed. Aspire Lending offers some of the lowest interest rates on Jumbo mortgages in Georgia.

Loan Qualification Guidelines:

Jumbo Refinance
  • Minimum FICO Credit Score: 700
  • Maximum Loan to Value: 80%
  • Maximum Debt to Income: 43%
  • Mortgage Insurance: No
Georgia Conventional Home Purchase Loan

Conventional mortgage loans in Georgia offer flexible options for home buyers. A conventional Georgia home purchase loan has a minimum 5% down payment. There is also a conventional first-time home buyers loan program that offers a minimum 3% down payment for Georgia mortgage applicants buying a primary residence for the first time.

Loan Qualification Guidelines:

Conventional Loan
  • Minimum FICO Credit Score: 620
  • Minimum Down Payment: 3%-5%
  • Maximum Loan to Value: 97%-95%
  • Maximum Debt to Income: 45%
  • Mortgage Insurance: Yes (for 80% LTV and above)
Georgia FHA loan

A Georgia FHA loan is provided by an FHA-approved lender. Georgia FHA loans, like all FHA loans, are backed by the US Federal Housing Administration. A Georgia FHA loan might be right for you are looking for a mortgage in Georgia but also need to put less than 10% down. At a minimum down payment amount of 3.5% of the total home purchase price, FHA loans are a great option for first time Georgia home buyers. Aspire always has the latest Georgia FHA loan rates so check back frequently to see when the right time for you to get a Georgia FHA loan could be. The Georgia FHA streamline refinance loan, allows you to lower your FHA interest rate with a simple and quick refinance process.

Loan Qualification Guidelines:

FHA Loan
  • Minimum FICO Credit Score: 620
  • Minimum Down Payment: 3.5%
  • Maximum Loan to Value: 97.5%
  • Maximum Debt to Income: 50%
  • Mortgage Insurance: Yes
Georgia VA Loan

Georgia VA loans support American veterans by helping them secure a mortgage, with beneficial VA loan terms. The VA mortgage programs requires you to be a current or former member of the US armed forces in good status or a qualifying spouse. Aspire Lending is a certified mortgage lender offering Georgia VA loans to those who have served or are serving in the armed forces. Check Aspire Lending often for the most updated Georgia VA loan rates.

Loan Qualification Guidelines:

VA Loan
  • Minimum FICO Credit Score: 620
  • Minimum Down Payment: 0%
  • Maximum Loan to Value: 100%
  • Maximum Debt to Income: 41%
  • Mortgage Insurance: No
Georgia USDA Loan

A Georgia USDA loan is a type of mortgage for residents of Georgia who are interested in living in a USDA rural and developing locations and who therefore are entitled to seek a Georgia USDA loan. The USDA Loan Program is federally backed through the United States Department of Agriculture. USDA loans come with some geographical restrictions along with other caps; such as one on income and another limiting purchases to only single-family homes. If you think you meet the qualifications for a Georgia USDA loan, then consider reaching out to Aspire to speak with one of our specialists. We always have the most recent rates on Georgia USDA loans so check back frequently.

Loan Qualification Guidelines:

USDA Loan
  • Minimum FICO Credit Score: 620
  • Minimum Down Payment: 0%
  • Maximum Loan to Value: 100%
  • Maximum Debt to Income: 41%
  • Mortgage Insurance: Yes
Georgia Jumbo Loan

Georgia jumbo loans are for you if you are looking to take out a larger than average loan in the state of Georgia. These loans are for an amount greater than $647,200 though this number can be changed. Aspire is a certified Georgia mortgage lender offering Georgia jumbo loans at the latest rates. Check this page often to see the most recent Georgia jumbo loan rates.

Loan Qualification Guidelines:

Jumbo Loan
  • Minimum FICO Credit Score: 700
  • Minimum Down Payment: 20%
  • Maximum Loan to Value: 80%
  • Maximum Debt to Income: 43%
  • Mortgage Insurance: No