Georgia mortgage and refinance rates in March 2026

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To qualify for a conventional mortgage, you’ll need a minimum credit score of 620 and a debt-to-income (DTI) ratio of no more than 45%. If you make a down payment below 20%, you’ll need to pay private mortgage insurance (PMI), as well. This is the most popular mortgage option in the country. In 2023, 73% of single-family home buyers chose a conventional mortgage, according to the U.S. Census Bureau.

If your credit history disqualifies you from a conventional mortgage, you might be able to obtain a loan insured by the Federal Housing Administration (FHA). If you have a down payment of at least 3.5%, you could qualify for an FHA loan with a credit score as low as 580.

If you’re a veteran or active-duty member of the military, you might qualify for a mortgage guaranteed by the Department of Veterans Affairs (VA). A VA loan doesn’t require a down payment or mortgage insurance, but you do need to pay a funding fee, which ranges from 1.25% to 2.15% for the first use.

If you’re buying a rural property in Georgia, you might be eligible for a mortgage guaranteed by the U.S. Department of Agriculture (USDA). USDA loans don’t require a down payment, but you’ll need to purchase in a designated rural area and meet the area’s income limits.

If you’re looking to borrow a large sum of money that exceeds the state's conforming loan limit ($832,750 as of 2026) you’ll need to find a lender that offers jumbo loans. These usually require higher credit scores and a down payment of at least 10 percent.