State rules / Prepayment Penalty Rules
Georgia prepayment penalty rules
For high-cost home loans, Georgia permits prepayment penalties only in the first 24 months after closing, with caps of 2% of the amount prepaid in the first 12 months and 1% in the second 12 months. No prepayment penalties are allowed after 24 months. For non-high-cost first-lien mortgage loans, the provided statute does not impose any state-specific restriction; federal law may apply.
Prepayment Penalty Rules in other states
- Connecticut prepayment penalty rules
- Delaware prepayment penalty rules
- Florida prepayment penalty rules
- Illinois prepayment penalty rules
- Indiana prepayment penalty rules
- Iowa prepayment penalty rules
- Compare all 44 states
Researched and verified against primary sources by AI, with the controlling citation above. Not human-reviewed and not legal advice — confirm against the cited source before relying on it. Last updated July 6, 2026.