Georgia mortgage rates November 13, 2026: cost of a buydown
On November 13, 2026 at 12:15 PM ET, RateVerdict priced a $400,000 30-year fixed Georgia refinance with 780+ credit: the rate closest to $0 was 6.750% (6.782% APR, $500 in lender credit), and buying down to 6.125% (6.501% APR) cost $15,008 more at closing (source: RateVerdict Georgia rate table).
The short answer for November 13, 2026
RateVerdict priced one Georgia loan at 12:15 PM ET on Friday, November 13, 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 13, 2026, 12:15 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.782% APR and $500 in lender credit. The top of the table was 6.125%, with a 6.501% APR and $14,508 in points (same source and time).
What a buydown cost on Friday
Buying down means paying points at closing for a lower rate. A point is 1% of the loan amount, so on the $400,000 sample loan one point is $4,000.
On Georgia's Friday table, 6.750% (6.782% APR) came with $500 in lender credit. The top row, 6.125% (6.501% APR), came with $14,508 in points. Going from one to the other, 0.625% lower, changed what you bring to closing by $15,008 (source: RateVerdict Georgia rate table, as of November 13, 2026, 12:15 PM ET).
| Rate | APR | Cost or credit at closing | Change vs 6.750% |
|---|---|---|---|
| 6.125% | 6.501% | $14,508 cost | $15,008 more |
| 6.250% | 6.564% | $11,940 cost | $12,440 more |
| 6.375% | 6.626% | $9,388 cost | $9,888 more |
| 6.500% | 6.682% | $6,516 cost | $7,016 more |
| 6.625% | 6.746% | $3,972 cost | $4,472 more |
| 6.750% | 6.782% | $500 credit | Starting point |
Questions to ask before you buy down
- How long will you keep this loan? Points are paid once, up front. A lower rate pays you back a little each month you keep the loan.
- Could you sell or refinance again soon? If so, you may not keep the loan long enough to earn back the points.
- Is the cash better used elsewhere? Points come out of the money you bring to closing.
Friday'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% | 6.501% | 3.627 | $14,508 cost |
| 6.250% | 6.564% | 2.985 | $11,940 cost |
| 6.375% | 6.626% | 2.347 | $9,388 cost |
| 6.500% | 6.682% | 1.629 | $6,516 cost |
| 6.625% | 6.746% | 0.993 | $3,972 cost |
| 6.750% | 6.782% | -0.125 | $500 credit |
| 7.000% | 7.042% | -0.496 | $1,984 credit |
| 7.125% | 7.149% | -0.897 | $3,588 credit |
| 7.250% | 7.274% | -1.326 | $5,304 credit |
| 7.375% | 7.399% | -1.728 | $6,912 credit |
| 7.500% | 7.524% | -2.118 | $8,472 credit |
| 7.625% | 7.649% | -2.504 | $10,016 credit |
A Georgia tax on the new note
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, separate from the points in the table (source: Georgia Department of Revenue, Intangible Recording Tax (O.C.G.A. 48-6-60 to 48-6-77)).
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 13, 2026?
It was 6.750% with a 6.782% APR and $500 in lender credit for the $400,000 Georgia sample refinance with 780+ credit (source: RateVerdict Georgia rate table, November 13, 2026, 12:15 PM ET).
How much did it cost to buy down to the top of the Georgia table on November 13, 2026?
6.125% (6.501% APR) came with $14,508 in points, $15,008 more than 6.750% with its $500 credit (source: RateVerdict Georgia rate table, November 13, 2026, 12:15 PM ET).
What is a mortgage buydown?
Paying points at closing in exchange for a lower interest rate for the life of the loan. One point is 1% of the loan amount.
How do I know if buying down is worth it?
Divide the extra cost by the monthly savings it buys to see how many months it takes to earn it back. Then compare that with how long you expect to keep the loan.
How much is Georgia intangible recording tax on a $400,000 note?
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 $400,000 (source: Georgia Department of Revenue).
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 13, 2026, 12:15 PM ET
- RateVerdict, Georgia mortgage rate historyas of November 13, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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