Georgia's average 30-year mortgage rate is 6.761%, slightly below the national average of 6.764%. The 15-year fixed mortgage rate is 5.946%, and jumbo 30-year mortgages average 6.672%. Refinance rates for 30-year fixed loans are 6.796%, with 15-year refinances at 5.91%. Rates have generally trended upward over the past three months. To secure the best rates, maintain strong credit, shop multiple lenders, and consider a 20% down payment.