Georgia Mortgage Rates & Home Loans
Freedomstar Financial offers competitive Georgia mortgage rates on conventional, FHA, VA, and jumbo home loans, licensed in Georgia (License #71263). The 2026 baseline conforming loan limit in Georgia is $832,750, with high-balance and jumbo financing available for higher loan amounts.
Georgia’s affordability relative to national metros keeps purchase demand strong, especially across the Atlanta metro. Conventional and FHA financing dominate, with growing investor interest.
Today's Georgia Mortgage Rates
Live best-execution rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
Rates subject to change. See Rate Assumptions.
Georgia Home Loan Facts
Median Home Price
~$385,000
Curated statewide estimate.
2026 Conforming Limit
$832,750
Baseline one-unit limit.
2026 FHA Floor
$541,287
Higher in high-cost counties.
Property Taxes
Georgia offers a standard homestead exemption for primary residences, with additional exemptions available in many counties for seniors and other qualifying homeowners.
Loan Limits & Market
All Georgia counties use the 2026 baseline conforming limit of $832,750. FHA remains popular with first-time buyers thanks to low down payment requirements.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Georgia
Georgia Dream Homeownership
Affordable first mortgage for eligible first-time buyers who meet income and purchase-price limits.
Georgia Dream Down Payment Assistance
Second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Georgia
Your Georgia loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Georgia mortgage license (#71263). See our full licensing & disclosures for details.
Meet Ivan HendrenGeorgia Mortgage FAQ
What is the conforming loan limit in Georgia for 2026?
The 2026 conforming loan limit in Georgia is $832,750 for a one-unit home in every county. Loans above that amount are financed as jumbo loans.
What credit score do I need to buy a home in Georgia?
FHA loans can be available with scores as low as 580 with 3.5% down, while conventional loans typically start around 620. Higher scores generally unlock better pricing.
Is Freedomstar Financial licensed in Georgia?
Yes. Freedomstar Financial is licensed to originate residential mortgages in Georgia. Current license numbers are listed on this page and on our licensing page.
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