Atlanta Mortgage Rates Update: Should You Keep Waiting?
If you've been sitting on the fence about buying a home in Atlanta, wondering when mortgage rates will finally drop to "the perfect time," it's time for some straight talk from the experts.
The Current State: Rates Are Holding Steady
Here in the Atlanta market, mortgage rates are currently averaging around 6.79% for a 30-year fixed loan, and here's what local real estate expert Justin Landis wants you to know: they've been remarkably stable throughout 2025.
"There's been a lot of talk about this for years because it has such a big impact on affordability," Justin explains. "And they've really just stayed about the same this year. The good news for that is you just know what to expect, right? You know what you're dealing with."
Stop Playing the Waiting Game
If you're one of those buyers who's been holding off, thinking rates will magically drop next month, the mortgage rates forecast for 2025 is for rates to remain steady throughout the year. Justin's advice? Stop waiting.
"There's risk that they're shooting up. I think right now there's a high chance they're just gonna stay about the same. So hey, we know what we're working with and you can make a wise decision based on that."
The Hidden Opportunity: Better Negotiation Power
While rates might not be dropping dramatically, there's actually good news for buyers right now. The market has shifted in your favor in ways that can offset higher rates.
"From an affordability standpoint, the best thing on the buyer side is there's definitely more negotiation this year than there has been in the past," Justin points out. "You can often get a better deal on a house that can offset that rate a little bit."
This increased negotiation power means:
More room to negotiate on purchase price
Potential for seller concessions on closing costs
Less competition from other buyers
More time to make informed decisions
What This Means for Your Home-Buying Decision
The reality is simple: predictability is valuable. Instead of gambling on rate drops that may never come, you can:
Budget accurately knowing what rates to expect
Focus on the things you can control like finding the right property and negotiating a great deal
Take advantage of current market conditions with more seller flexibility
Avoid the risk of rates potentially increasing while you wait
The Bottom Line
As Justin puts it, "You know what you're working with." Current Georgia mortgage rates are around 6.85% for a 30-year fixed mortgage, and that stability gives you the power to make an informed decision rather than playing a guessing game.
If you're ready to stop waiting and start taking advantage of today's buyer-friendly negotiation environment, don't let concerns about rates keep you on the sidelines. The market conditions are more favorable for buyers than they've been in years – just in different ways than you might expect.
Ready to explore your options in today's Atlanta market? The team at Justin Landis Group has helped hundreds of buyers navigate changing market conditions and secure great deals. Whether you're a first-time buyer or looking to move up, they can help you take advantage of current opportunities.
Tune in for weekly valuable insights and practical tips with Justin and Kristin on Atlanta’s Q99.7. This insightful discussion was brought to you by a paid partnership with Kristin from The Bert Show on Atlanta’s Q99.7.
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