Local rate center
Sandy Springs Mortgage Rates Today
Compare purchase and refinance mortgage-rate information for Sandy Springs, then get a personalized quote based on your credit, down payment, loan type and property.
Sandy Springs and Metro Atlanta Mortgage Broker since 2021. NMLS #2187991
Today's rate feed
Rates current for: August 16, 2026 at 6:17PM EDT
30-yr. fixed
6.543%
6.551% APR
6.551% APR
30-yr. fixed FHA
6.938%
7.969% APR
7.969% APR
30-yr. fixed VA
5.925%
6.137% APR
6.137% APR
Updated daily from our lender network — a national average of active lender quotes, not a quote for your scenario.
Current mortgage rates in Sandy Springs, GA
Conventional loan
| Product | Rate | APR |
|---|---|---|
| 30-year fixed-rate | 6.543% | 6.551% |
| 20-year fixed-rate | 6.239% | 6.245% |
| 15-year fixed-rate | 5.902% | 5.909% |
| 7-year ARM | 6.091% | 6.273% |
FHA loan
| Product | Rate | APR |
|---|---|---|
| 30-year fixed-rate FHA | 6.938% | 7.969% |
| 20-year fixed-rate FHA | 0% | 0% |
| 15-year fixed-rate FHA | 5.49% | 6.454% |
| 5-year ARM FHA | 5.625% | 6.89% |
VA loan
| Product | Rate | APR |
|---|---|---|
| 30-year fixed-rate VA | 6.083% | 6.299% |
| 20-year fixed-rate VA | 0% | 0% |
| 15-year fixed-rate VA | 5.919% | 6.28% |
| 5-year ARM VA | 5.917% | 6.144% |
Conventional loan
| Product | Rate | APR |
|---|---|---|
| 30-year fixed-rate | 6.65% | 6.659% |
| 20-year fixed-rate | 6.498% | 6.508% |
| 15-year fixed-rate | 6.024% | 6.043% |
| 7-year ARM | 6.35% | 6.433% |
FHA loan
| Product | Rate | APR |
|---|---|---|
| 30-year fixed-rate FHA | 6.938% | 7.969% |
| 20-year fixed-rate FHA | 0% | 0% |
| 15-year fixed-rate FHA | 5.49% | 6.454% |
| 5-year ARM FHA | 5.625% | 6.89% |
VA loan
| Product | Rate | APR |
|---|---|---|
| 30-year fixed-rate VA | 6.154% | 6.372% |
| 15-year fixed-rate VA | 5.787% | 6.148% |
| 5-year ARM VA | 5.938% | 6.201% |
Don't shop from the average rate alone
Your actual rate depends on details the table cannot know: credit, down payment, loan amount, occupancy, property type and points.
How rates have been moving the past 12 months
This is how the 30-year benchmark has performed since last year.
What affects your Sandy Springs mortgage rate?
Your credit profile
Your credit history and score can materially affect pricing.
Down payment & loan-to-value
The amount financed relative to property value.
Loan type
Conventional, FHA, VA, jumbo & non-QM loan pricing differ from one another.
Occupancy
Primary, second-home and investment pricing are not the same.
Property type
Condos may carry higher rates compared to single family homes
Discount points
The quoted rate must be considered together with upfront costs.
Average rate ≠ your rate
The rates you see posted on this page are daily average rates from our lending partners aggregated through Zillow. Don’t take an average and assume as the rate you’ll get. Start with “Mortagge Match” by clicking on the button and we’ll get you an accurate quote.
What would your Sandy Springs home payment be with that rate?
Estimate assumes 1.1% property tax and 0.55% homeowners insurance annually. Actual rates and payments vary.
Explore mortgage rates by program
Conventional rates
Review conventional mortgage-rate information and program context.
FHA loan rates
Explore FHA rate information and how government-backed financing differs.
GO BEYOND THE RATE
Work with a Mortgage Broker in Sandy Springs
If you are comparing lenders, loan programs or qualification options—not just the headline rate—go to the Sandy Springs local mortgage hub.
Rate shopping is more than just comparing a number
Two quotes can show different combinations of interest rate, APR, discount points, lender credits and fees. The better comparison is the total structure—not the rate by itself.
- Compare rate and APR together
- Compare rate and APR together
- Review total cash to close and monthly payment
- Review total cash to close and monthly payment
Get the local help you need
When you work with Andes, you are working with a local boutique mortgage broker located in your hometown of Sandy Springs – not a boiler room style call center where you are treated like another number.
Where we are located:
1 Concourse Parkway, Ste 800
Atlanta, GA 30328
Call us: 770-740-4050
Email us: info@andesmortgage.com
Sandy Springs Mortgage Rates Frequently asked questions
Are Sandy Springs mortgage rates different from Atlanta mortgage rates?
Theoretically, no.
Mortgage pricing is driven more heavily by the borrower, property, loan structure and market than by a city name alone. For instance, Sandy Springs mortgage rates are going to be the same in Chamblee or in East Point. We created this local page because it helps organize rate information for our local areas.
How often do rates change?
Mortgage pricing can change once or multiple times during the day due to economic news, geopolitical events or how bonds are being traded on Wall Street. We update our rate tables every 15 minutes to keep our information as fresh as possible.
Is the lowest interest rate always the best mortgage?
Not necessarily. A lower rate can come with discount points or different fees, so compare APR, upfront costs and how long you expect to keep the loan.
How can I get a personalized Sandy Springs mortgage quote?
Use Mortgage Match or call Andes Mortgage so the quote can reflect your loan amount, down payment, credit, property and program.
Stop reading averages. See your number.
Answer a few questions and we’ll show you which loan programs you fit, what rate range you’re realistically looking at, and what would move it. No credit pull, no phone call required.
Written and reviewed by Marcos Zambrano - NMLS #988935
Owner, Andes Mortgage LLC · NMLS #2187991 · Licensed mortgage broker since 2013 · Background in mathematics and finance
Marcos has originated mortgages across Georgia, Florida, Texas, South Carolina, and Alabama since 2013. Andes Mortgage is a broker, not a lender — meaning we shop your file across 40+ wholesale lenders rather than selling you one company’s product.
Last reviewed: August 11, 2026 · Rate data updated daily (lender pricing) and weekly (Freddie Mac PMMS).