Mortgage Loans in Valdosta, GA 31602

Looking for the best mortgage loan rates in Valdosta, GA? Compare offers from trusted local lenders quickly and easily to find the right rate that fits your budget and goals. We make home financing simple and stress-free for you.

Get fast pre-approval and personalized support from lenders who know Valdosta’s housing market inside and out. Whether buying your first home or refinancing, you’ll enjoy clear options, lower fees, and expert guidance every step of the way.

Purchase Refinance Data Analysis

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CONVENTIONAL

JUMBO

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Conv

6.25 %

6.446 %

30 Yrs

∞

Conv

6.7 - 7 %

10 - 20 Yrs

∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%. Family Savings offers a 15-year conventional fixed mortgage at 6.85% today, up 10 bp from last week and also 10 bp higher than 30 days ago.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in Valdosta, GA

FIRST COMMERCE CREDIT UNION — 3312 INNER PERIMETER RD VALDOSTA GA 31602
SOUTHEASTERN CREDIT UNION — 3501 N VALDOSTA RD VALDOSTA GA 31602
SOUTHEASTERN CREDIT UNION — 1514 BAYTREE RD VALDOSTA GA 31602
SOUTHEASTERN CREDIT UNION — 3669 INNER PERIMETER RD VALDOSTA GA 31602

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Lowndes County, GA

✅FIRST COMMERCE CREDIT UNION

✅SOUTHEASTERN CREDIT UNION

✅VALDOSTA TEACHERS FEDERAL CREDIT UNION

✅GEORGIA POWER VALDOSTA FEDERAL CREDIT UNION

✅LOCOGA FEDERAL CREDIT UNION

✅SOUTHERN PINE CREDIT UNION

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