INTEREST RATES Due to the volatile nature of the market, interest rates change daily. Also, from the time a rate is quoted until the time an application is taken and the rate locked, the interest rate most likely will change - either up or down. For these reasons, we do not quote rates on our website. Please call us for the latest on interest rates Georgia and Alabama  so we can discuss current rates and the different options available to you. We'll work hard to make sure you get the best rate possible! When obtaining rates from different sources, be sure to get an accurate breakdown of the rate, closing costs and understand how closing costs impact your rate. The difference in monthly payment on a 250,000 loan amoritized over 30 years at a rate of 5.75% and 6% is only 39.95. If you don't plan on staying in the house long enough to recoup points paid to reduce the rate, you shouldn't pay points. For more info on closing costs.