FINANCING · GEORGIA

Compare rates. Know the terms.

Mortgage companies, loan programs and published rate snapshots for Georgia buyers.

Research date: October 22, 2026 · Eastern Time

These are dated published examples, not locked offers. Same-day results include only explicitly October 22 rates. Quotes use different borrower assumptions and fees: this is an order of advertised rates, not a guarantee of the cheapest lender for you.

30-year conventional · 2 published quotes

Order / company	Rate	APR	Points	Date & assumptions	Contact
1. Navy Federal Credit Union Rate source & full terms	6.875%	7.049%	0.75	2026-10-22 25% down; 780 FICO; membership required; lender fees apply.	Contact CompanyListigram contact line · 678-921-2121
2. Rocket Mortgage Rate source & full terms	7.375%	7.692%	2	2026-10-22 Loan $350,000; 20% down; 740 FICO; primary home; DTI below 43%; source timestamp 9:27 AM EDT.	Contact CompanyListigram contact line · 678-921-2121

One point equals 1% of the loan. APR includes certain loan costs. Taxes, insurance, HOA and mortgage insurance affect total payments. Published examples do not establish an individual lender’s Georgia licensing status or your eligibility. Verify company and loan-officer authorization

Georgia Dream · state program rates

Published effective October 15, 2026 at 5 PM; checked October 22. These are program rates through participating lenders, separate from lender rankings.

6.625%Georgia Dream · 30-year fixed
FHA / VA / RD / uninsured conventional

5.625%Peach Select VA · 30-year fixed
No down-payment assistance

7.125%Peach Plus · 30-year fixed
FHA / VA

Program income, purchase-price, credit and eligibility limits apply. RD is USDA Rural Development. APR and points are not published in this state table; obtain them from the lender.

State rate sheet & program terms · VA / USDA payment & cash-to-close calculators

DIRECT LENDER OR MORTGAGE BROKER?

Compare the full loan, not just the rate.

A direct lender makes the loan; a mortgage broker arranges a loan with a lender from its available network. Banks, credit unions and nonbank lenders can lend directly. Some companies operate in more than one channel. Neither channel is automatically cheaper.

What to compare	Direct lender	Mortgage broker	Impact on your money
Loan choice	Its own loan products and underwriting.	Products from participating wholesale lenders; not necessarily every lender.	Compare the same term, loan amount, lock period, occupancy and credit profile.
Origination / underwriting / processing	May charge flat fees, percentage fees or both.	Underlying lender and broker charges vary by arrangement.	Borrower-paid amounts increase cash to close; fees do not change the payment unless financed or paired with a different rate.
Broker compensation	No separate mortgage-broker fee in a direct transaction; the lender still has origination costs.	May be paid by the borrower or by the lender. For covered consumer mortgages, broker compensation generally cannot come from both.	Borrower-paid compensation adds to upfront costs. Lender-paid compensation is not added again as a borrower cash charge or treated as a lender credit. Compare the resulting rate and APR.
Discount points	Available pricing may exchange points for a lower rate.	Wholesale pricing can also include points.	1 point = 1% of the loan, paid upfront. No fixed rule says one point buys a particular rate reduction.
Lender credits	May reduce upfront closing costs, often with a higher rate.	May also be available through the selected lender.	Lower cash to close can mean a higher monthly payment. Compare the period you expect to hold the loan.
Appraisal, title, taxes & escrow	Third-party fees and deposits still apply.	Third-party fees and deposits still apply.	Keep common costs consistent. Escrows and prepaid costs are not broker compensation.
APR and Loan Estimate	Request a written Loan Estimate.	Request the selected lender’s Loan Estimate and broker compensation disclosure.	Compare page 1 payments; page 2 origination, services and credits; page 3 comparisons. APR is not the note rate used to compute principal and interest.

No universal direct-lender or broker fee

Fees are offer-specific. The examples below are editable teaching scenarios, not rates or fee schedules from any listed company. Use actual Loan Estimates to replace them.

Shared purchase assumptions

Home price ($)Down payment (%)Fixed-rate term (years)Other closing costs, prepaids & escrow ($)Deposits already paid ($)Monthly property tax ($)Monthly insurance ($)Monthly HOA ($)Monthly mortgage insurance ($)

Direct lender · example

Note interest rate (%)Discount points (%)Lender / origination fees ($)Borrower-paid broker fee (%)Lender-paid broker compensation (%)Lender credit ($)

Enter each fee once. Lender-paid broker compensation is shown for disclosure only and is excluded from borrower cash due.

Mortgage broker · example

Note interest rate (%)Discount points (%)Lender / origination fees ($)Borrower-paid broker fee (%)Lender-paid broker compensation (%)Lender credit ($)

Enter each fee once. Lender-paid broker compensation is shown for disclosure only and is excluded from borrower cash due.

Source notes & calculation limits

Consumer Financial Protection Bureau: “What is the difference between a mortgage lender and a mortgage broker?”, “How does a mortgage loan officer or broker get paid?”, “How should I use lender credits and points?”, Loan Estimate explainer, and Regulation Z §1026.36. Reviewed October 22, 2026.

This fixed-rate purchase model pays all fees in cash and finances none. It uses your entered mortgage insurance rather than determining program eligibility. VA/USDA upfront fees, seller credits and assistance are handled in the main mortgage and cash-to-close calculator. Tax and insurance can change. Five-year cash outlay includes the down payment and principal paid, so it is not a measure of economic cost or APR. Remaining balance is shown separately. Simple break-even ignores time value, amortization differences, refinancing and tax effects.

Open full mortgage & cash-to-close calculators

Georgia mortgage company directory

The directory includes all 107 names on the researched Georgia Dream participating-lender list, plus selected banks and credit unions. It is not a complete register of every company licensed in Georgia. Use NMLS Consumer Access for the full licensing search. Companies without verified public pricing remain unranked.

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Georgia DCA participating-lender source · All licensed / registered company search