Georgia Mortgage Lenders and Rates (GA)

Getting the right mortgage for a Georgia home a little more difficult than you thought? Annoyed with WebPages that don’t help you find what you are looking for? That is why is here. So if you are looking for lenders, Mortgage Rates, or Mortgage Brokers – we got it. Plus when you fill out a mortgage quote form from, we will get you offers from 2-4 different lenders, meaning you will be able to choose the rate that you want.

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Featured Mortgage Lenders in Georgia

Georgia Mortgage Quick Facts

Georgia State Population: 8,829,383
Median Georgia Home Price: $111,200
Georgia Home Ownership Rate: 67.5%

Types of Mortgage Loans Available in Georgia

How Your Credit Score Affects Your Mortgage Rate

The first thing you need to know is what your current credit score is. You should compare that against the average Georgia consumer credit score which is 665. The national average credit score is 677. Your credit score will impact what your home mortgage rate will be. Historically, home mortgage rates have ranged from 5% to over 13%. Mortgage Lenders create their home mortgage rates by using the Federal Discount Interest Rate (FDIR) and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, but your credit score is a very important factor.

Georgia Mortgage State Laws


Judicial foreclosures are used when there is no “power of sale.” The property is auctioned off, and goes to the highest bidder.

Non-judicial foreclosure is used when there is a “power of sale” clause. The “power of sale” clause allows for the lender to sell the property in order to cover the remaining cost of the loan.

Regarding the “Power of Sale Foreclosure Guidelines”

When there is a power of sale, these are the guidelines that must be followed for the property sale:

At least fifteen days before the sale date, a notice of foreclosure will be sent to the borrower via certified mail. The borrower must send back a return receipt.The notice of sale will be posted in a high circulation newspaper in the county where the property will be sold once a week, for four weeks.The auction will be held on the first Tuesday of the month, at the courthouse, between ten am and four pm.

Georgia Mortgage Fraud Office
Governor’s Office of Consumer Affairs
2 Martin Luther King Jr. Dr., SE
Suite 356
Atlanta, Georgia 30334-4600

Georgia Counties:

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

-US Census

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

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