Mortgage Broker in Savannah, GA

• FHA

  At the estimated ~$350,000 median, 3.5% down is about $12,250, under the 2026 FHA limit for Chatham County.

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• Conventional

  3% down is about $10,500 on the estimated median for eligible buyers.

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• VA

  $0 down and no monthly mortgage insurance for eligible service members and veterans.

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• First-Time Buyer

  A clear path for first-time buyers comparing coastal premiums with more attainable nearby options.

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Program eligibility, guidelines, and pricing are set by the applicable investor, agency, or program and are subject to change without notice. Not all applicants will qualify. This information is for educational purposes only and is not a commitment to lend.

• Historic District

  Historic, walkable, and visitor-influenced.

  The Historic District carries Savannah's highest location premiums, with period architecture and tourism nearby. Flood, insurance, and sometimes condo or HOA rules shape the monthly cost. Financing usually tracks price point toward conventional products. Educational planning around insurance should happen before you write an offer.

  Price band

  Typically well above the metro median.

  Loan fit (educational)

  Conventional is common. FHA only when price and property rules allow.

  Watchouts: Flood zones, historic guidelines, and short-term rental rules can affect both use and financing.

• Ardsley Park and Chatham Crescent

  Established, residential, and architecturally consistent.

  These established neighborhoods offer tree-lined streets and a mix of historic homes outside the tourist core. Buyers often prefer them for primary residences with character. Renovation level drives price as much as location. Inspections on older systems should inform cash reserves.

  Price band

  Often above the metro median for renovated homes.

  Loan fit (educational)

  Conventional is typical. FHA when condition and price align.

• Midtown Savannah

  Intown-adjacent and mixed housing types.

  Midtown bridges intown convenience and more varied housing stock, including bungalows and some denser options. Pricing is often more approachable than the Historic District while remaining close to amenities. Program fit depends on the individual property. A clear max payment helps when comparing midtown with southside alternatives.

  Price band

  Wide range around the estimated metro median.

  Loan fit (educational)

  FHA and conventional are both commonly discussed.

• Southside

  Suburban residential with shopping corridors.

  Southside Savannah includes many practical single-family options for primary residences. First-time buyers often start here when historic premiums are out of reach. Condition and subdivision age vary. Pairing low-down programs with inspection realities keeps expectations aligned.

  Price band

  Often near or below the metro median.

  Loan fit (educational)

  FHA, conventional 3% down, and VA for eligible buyers.

• Pooler and west Chatham

  Newer suburban growth near employment and retail.

  Pooler and nearby west Chatham communities attract buyers seeking newer construction and suburban layouts with Savannah job access. HOAs are common in planned neighborhoods. Financing is usually a standard primary-residence file. Builder contracts can include credits that change cash to close.

  Price band

  Often near regional averages for new homes.

  Loan fit (educational)

  Conventional, FHA, and VA are common.

  Watchouts: HOA dues and builder completion timelines differ from resale deals.

• Wilmington Island and coastal areas

  Coastal residential with marina and marsh access.

  Island and coastal edges draw primary and second-home buyers who want water access. Flood and wind insurance can dominate the budget conversation. Occupancy type must be clear for program selection. Address-level insurance quotes belong in your planning before you compete for a listing.

  Price band

  Often above inland alternatives.

  Loan fit (educational)

  Depends on occupancy. Primary, second-home, and investment rules differ.

  Watchouts: Flood and wind coverage can materially change the monthly payment.

• Garden City and Port Wentworth

  Practical residential near employment corridors.

  These communities north and west of central Savannah can offer more attainable entry points tied to port and industrial employment. Housing stock and price bands vary. Financing follows standard guidelines for primary residences. Compare total commute and insurance cost, not only list price.

  Price band

  Often at or below the Savannah median.

  Loan fit (educational)

  FHA and conventional low-down options are frequently a fit.

• Thunderbolt

  Small riverside community with a local harbor feel.

  Thunderbolt is a small riverside town that some Savannah shoppers include for marina proximity and a quieter scale. Inventory is limited, so pricing can feel idiosyncratic. Flood questions still apply near the water. Treat each address as its own insurance and financing review.

  Price band

  Wide range depending on water proximity and condition.

  Loan fit (educational)

  Conventional and FHA depending on price and property type.

  Watchouts: Flood zone and elevation details should be checked early.

• How much do I need for a down payment in Savannah?

  On the estimated ~$350,000 median, about $12,250 with FHA (3.5%) or $10,500 with a 3%-down conventional loan. VA can be $0 down for eligible buyers.

• What is the 2026 FHA loan limit in Chatham County?

  $541,287 for a single-family home, per HUD, so most Savannah-area homes at typical price points can qualify for FHA. Historic District and waterfront homes above that level usually need conventional financing.

• Do I need flood insurance in Savannah?

  If the home is in a FEMA Special Flood Hazard Area and you have a mortgage, yes. Island, marsh, and river-adjacent homes are the most common cases, and wind coverage adds to coastal insurance costs. Check the flood zone and get a quote before you write an offer.

• Can I use a VA loan near Hunter Army Airfield or Fort Stewart?

  Yes, if you are eligible. Hunter Army Airfield is inside Savannah, and many buyers stationed there or at Fort Stewart compare southside Savannah, Pooler, and Richmond Hill. VA offers $0 down and no monthly mortgage insurance, and I plan the timeline around PCS dates.

• Can I finance a home in Savannah's Historic District?

  Yes, with standard programs, but expect extra steps. Exterior changes in the Historic District go through the city's historic preservation review, and older homes often need system updates. Build inspection time and repair reserves into your plan.

• Can I buy a Savannah home to use as a short-term rental?

  Sometimes, but check the rules first. The City of Savannah regulates short-term vacation rentals by zone, and the purchase would be financed as an investment or second home rather than a primary residence. Confirm the ordinance for the exact address before you count on nightly income.

• Is there down payment assistance for Savannah buyers?

  Yes. The down payment assistance I can place is the Chenoa Fund, which pairs with an FHA loan and has no income limits or first-time buyer requirement. Georgia Dream, from the Georgia Department of Community Affairs, offers a 0% deferred second mortgage for eligible first-time buyers, with the standard option at 5% of the price or $10,000, whichever is less, and income and sales-price limits. Georgia Dream is offered only through participating lenders, so I confirm whether one of my wholesale lenders participates before recommending it. Program terms change, so I confirm current terms for your file.

• What Georgia taxes should I expect at a Savannah closing?

  The intangible recording tax on your new mortgage is $1.50 per $500 of the loan amount, which is typically a buyer cost; on a $330,000 loan that is $990. The transfer tax on the deed is $1 per $1,000 of the price and is usually paid by the seller. Your closing attorney confirms the final numbers.