Georgia mortgage rates November 12, 2026: cost turns to credit
On November 12, 2026 at 12:16 PM ET, RateVerdict priced a $400,000 30-year fixed Georgia refinance with 780+ credit and the table flipped from cost to credit between 6.750% (6.781% APR, $316 in points) and 6.875% (6.899% APR, $1,592 in lender credit) (source: RateVerdict Georgia rate table).
The short answer for November 12, 2026
RateVerdict priced one Georgia loan at 12:16 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Georgia rate table, as of November 12, 2026, 12:16 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.781% APR and $316 in points. The top of the table was 6.125%, with a 6.451% APR and $12,520 in points (same source and time).
The flip from cost to credit
Every rate on the table has a price. Rates near the top cost points at closing. Rates further down come with a lender credit instead. The flip is where one turns into the other.
On Georgia's Thursday table, 6.750% was the last rate with a cost: $316 in points and a 6.781% APR. One step up, 6.875% came with $1,592 in lender credit and a 6.899% APR. That one 0.125% step moved the price by $1,908 (source: RateVerdict Georgia rate table, as of November 12, 2026, 12:16 PM ET).
The table had 6 cost rows and 6 credit rows.
Reading the two rows around the flip
- If you want to bring as little as possible to closing, the credit at 6.875% helps pay other closing costs.
- If you want the lower rate, 6.750% costs $316 at closing on this sample loan.
- Neither is right for everyone. The longer you keep the loan, the more a lower rate is worth.
Thursday's full Georgia table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Georgia table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Georgia rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.451% | 3.130 | $12,520 cost |
| 6.250% | 6.504% | 2.378 | $9,512 cost |
| 6.375% | 6.571% | 1.768 | $7,072 cost |
| 6.500% | 6.637% | 1.161 | $4,644 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.781% | 0.079 | $316 cost |
| 6.875% | 6.899% | -0.398 | $1,592 credit |
| 7.000% | 7.024% | -0.884 | $3,536 credit |
| 7.125% | 7.149% | -1.286 | $5,144 credit |
| 7.250% | 7.274% | -1.740 | $6,960 credit |
| 7.375% | 7.399% | -2.169 | $8,676 credit |
| 7.500% | 7.524% | -2.537 | $10,148 credit |
A Georgia rule worth knowing
Georgia charges an intangible recording tax on a long-term note secured by real estate: $1.50 for each $500 of the note's face amount, up to $25,000 for a single note. On a $400,000 note, that works out to $1,200 (source: Georgia Department of Revenue, Intangible Recording Tax (O.C.G.A. 48-6-60 to 48-6-77)). That tax is separate from the points in the table.
See today's rate for your scenario
This post is one sample loan on one day. The Georgia rate table on this site shows the current weekday table, and the Georgia rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Georgia on November 12, 2026?
It was 6.750% with a 6.781% APR and $316 in points for the $400,000 Georgia sample refinance with 780+ credit (source: RateVerdict Georgia rate table, November 12, 2026, 12:16 PM ET).
Which was the first Georgia rate with a lender credit on November 12, 2026?
6.875%, with a 6.899% APR and $1,592 in lender credit on the $400,000 sample loan (source: RateVerdict Georgia rate table, November 12, 2026, 12:16 PM ET).
What is the difference between a cost row and a credit row?
On a cost row you pay points at closing to get that rate. On a credit row the lender pays toward your closing costs and you take a higher rate.
How much is Georgia intangible recording tax on a $400,000 mortgage?
Georgia charges $1.50 for each $500 of a long-term note secured by real estate, up to $25,000, which is $1,200 on a $400,000 note (source: Georgia Department of Revenue).
Will the flip be at the same rate tomorrow?
There is no way to know from the table. Each snapshot is the price on its date for one named loan, not a forecast. The Georgia history page keeps past weekday snapshots.
See today's Georgia rates
Today's Georgia table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Georgia mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:16 PM ET
- RateVerdict, Georgia mortgage rate historyas of November 12, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- Georgia Department of Revenue, Intangible Recording Tax (O.C.G.A. 48-6-60 to 48-6-77)as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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