The best 30 year fixed rate stands at from 6.25-to-6.375 percent and ... With no letup in the housing sales slump, Metro Atlanta remains a strong buyers market with an added built-in incentive -- home rates remaining below the national average. Contrary to popular belief, getting a home mortgage is quite simple. All you need in order to make the right decision is to who where to look, what to look for, and what takes place when you apply for a home mortgage. Knowing what to expect, especially if you are a first-time homebuyer, may make it easier for you to get through the process.