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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Today's Georgia Mortgage Rates in the HSH Lender Showcase

Georgia Mortgages

A sweet Georgia home requires an equally sweet financing deal. HSH.com offers a rich archive of GA mortgage rates to help you benchmark the most competitive home loan. If your property is in Atlanta, Savannah, or Augusta, you can drill down further from current GA mortgage rates to look at trends in your area. Once you have a good idea of the range of average rates for your area, you can use tools such as the mortgage calculators to determine your home price range, your monthly payments, and more.

Market volatility can make Georgia mortgage rates unpredictable, though, and loan qualification varies by individual credit history, home equity, and income. To get a more precise estimate of your monthly payments and fees for a home purchase, refinance, or home equity loan, contact a Georgia mortgage lender for a quote.

Georgia Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Georgia

Select County
County Name One Family Two Family Three Family Four Family
Appling County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Atkinson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bacon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Baker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Baldwin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Banks County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Barrow County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bartow County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ben Hill County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Berrien County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bibb County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bleckley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brantley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brooks County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bryan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bulloch County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Burke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Butts County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calhoun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Camden County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Candler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carroll County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Catoosa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Charlton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chatham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chattahoochee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chattooga County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cherokee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clarke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clayton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clinch County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cobb County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Coffee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Colquitt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Columbia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cook County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Coweta County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crawford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crisp County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dade County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dawson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Decatur County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dekalb County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dodge County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dooly County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dougherty County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Douglas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Early County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Echols County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Effingham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Elbert County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Emanuel County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Evans County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fannin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Floyd County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Forsyth County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fulton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gilmer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Glascock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Glynn County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gordon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grady County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greene County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gwinnett County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Habersham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hancock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Haralson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Harris County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hart County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Heard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Houston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Irwin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jasper County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jeff Davis County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jenkins County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Johnson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jones County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lamar County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lanier County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Laurens County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Liberty County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Long County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lowndes County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lumpkin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Macon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mcduffie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mcintosh County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Meriwether County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Miller County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mitchell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Morgan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Murray County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Muscogee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Newton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Oconee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Oglethorpe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Paulding County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Peach County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pickens County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pierce County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pike County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Polk County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pulaski County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Putnam County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Quitman County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rabun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Randolph County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Richmond County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rockdale County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Schley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Screven County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Seminole County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Spalding County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stephens County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stewart County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sumter County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Talbot County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Taliaferro County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tattnall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Taylor County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Telfair County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Terrell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Thomas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tift County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Toombs County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Towns County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Treutlen County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Troup County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Turner County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Twiggs County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Union County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Upson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Walker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Walton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ware County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Warren County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wayne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Webster County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wheeler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
White County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Whitfield County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilcox County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilkes County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilkinson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Worth County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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