Savannah Mortgage Broker & Coastal Georgia Home Loan ExpertsLocal Rates. Coastal Georgia Coverage.
Last updated September 3, 2026
ABS Home Mortgage, Inc. helps Savannah homebuyers, second-home buyers, and STR investors finance properties across Chatham County and the Coastal Empire - from Historic District row houses and Ardsley Park classics to Pooler new builds, Richmond Hill family homes, and Tybee Island beach cottages. Competitive rates and fast, local service.
Figures as of August 2026 and subject to change. Median sale price and year-over-year change: Zillow (Savannah, GA, data as of 7/31/2026). Effective property tax rate: Ownwell, Chatham County median — actual rates vary by taxing district and millage rate.
Toll Free: 1-866-666-2378 (866-666-BEST)
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Why Work With a Savannah Mortgage Company?
Savannah's housing market has its own rhythms. A local broker understands the details that matter - from property taxes to neighborhood dynamics.
Historic Home & Renovation Expertise
Savannah's Historic District properties often need renovation loans, careful appraisals, and knowledge of historic preservation rules. We coordinate the moving pieces so your closing doesn't stall.
Flood & Coastal Insurance Priced In
Coastal Georgia insurance and flood coverage can meaningfully change your monthly payment. We build realistic PITIA estimates up front so there are no surprises after closing.
Hunter AAF & Fort Stewart VA
We're deeply experienced with VA loans for Hunter Army Airfield in Savannah and Fort Stewart nearby - including PCS timing, BAH considerations, and VA jumbo scenarios. For low and zero down payment paths, read our FHA vs. Conventional guide for Georgia buyers, which covers Georgia Dream down payment assistance in detail.
STR & Second-Home Programs
Savannah and Tybee Island are strong short-term rental markets. Our DSCR loans qualify on rental income for investors, and we offer competitive second-home financing for personal beach and river properties.
Financing Homes Across Savannah & the Coastal Empire
From Historic District row houses to Pooler new builds and Tybee Island beach cottages.
Mortgage Rates in Savannah: How Your Quote Is Built
Savannah quotes hinge on program choice, flood exposure, and occupancy. Here is what moves your number across Chatham County and the surrounding area.
VA and Georgia Dream versus conventional
For Hunter Army Airfield and Fort Stewart families, VA financing with zero down and no monthly mortgage insurance often beats conventional on total cost. Georgia Dream assistance prices differently again, so we compare all three.
Flood zones and insurance
Much of Chatham County, Tybee Island, and the marsh-front areas require flood insurance. Premiums sit inside your debt-to-income ratio, so we quote them up front instead of discovering them in underwriting.
Historic district and property condition
Historic Savannah homes can raise appraisal and insurance questions, and older systems sometimes push a file toward a renovation program. Program choice changes pricing, so we flag it early.
Occupancy and rental use
Primary residences price best. Second homes and short-term rentals carry adjustments, and STR investors in the Historic District often price better on a DSCR loan qualified on rent.
Rate information as of September 3, 2026 and subject to change without notice. Your actual rate depends on credit, loan amount, property type, occupancy, and program. This is not a commitment to lend. All loans subject to credit approval.
Competitive Mortgage Rates & Loan Programs in Savannah, GA
We shop the full loan menu to match your Savannah property and financial goals.
Conventional Loans
Competitive rates for Savannah buyers across Chatham and surrounding counties.
FHA Loans
Low down payment options for first-time Savannah buyers in Southside and Pooler.
VA Loans
Zero-down financing for Hunter Army Airfield and Fort Stewart service members and veterans.
Jumbo Loans
Financing for Ardsley Park, Isle of Hope, and The Landings luxury homes.
Second-Home Loans
Financing for Tybee Island and Wilmington Island vacation homes.
DSCR Loans
Investor financing based on rental income for Savannah short-term rentals and long-term rentals.
Renovation Loans
203(k) and HomeStyle loans for restoring Historic District and Ardsley Park properties.
Savannah Mortgage Tools & Resources
Explore loan programs, check today's rates, and run the numbers for your Savannah property.
Mortgage Calculators
Run payment, affordability, and refinance scenarios for any Savannah home.
All CalculatorsUnderstanding Chatham County Property Taxes & Home Buying Math
The median home price in Savannah is currently around $340,958, and that number is only half the story. What decides your approval is the full monthly payment - principal, interest, taxes, insurance, and any HOA dues - measured against your gross monthly income.
Chatham County and Effingham County, Bryan County assess property differently, and effective tax rates in this market run near 1.06%. Two homes at the same price can carry monthly tax escrows that differ by several hundred dollars depending on the taxing district, school levy, and whether homestead or senior exemptions are in place. A newly built or recently reassessed home can also see its bill jump the year after closing, which is why we underwrite to the forward tax figure rather than the seller's current bill.
Local demand here is anchored by Port of Savannah, Gulfstream Aerospace, Memorial Health and St. Joseph's/Candler, Savannah College of Art and Design (SCAD), and Hyundai Metaplant corridor. Strong school districts and employment centers hold values up, but they also push tax levies higher - a trade-off that shows up directly in your qualifying numbers.
In practical terms: every $250 of monthly property tax consumes roughly $250 of debt-to-income (DTI) capacity, which can reduce your maximum loan amount by tens of thousands of dollars. Most programs want your total DTI at or below 43-50% depending on loan type and compensating factors. We model your Savannah scenario with real county tax data, insurance quotes, and exemption timing before you write an offer - so your pre-approval holds up in underwriting instead of shrinking at the closing table.
Toll Free: 1-866-666-2378 (866-666-BEST)
Savannah Neighborhoods & Surrounding Areas We Serve
From starter homes to luxury properties and investor deals - we finance across the metro.
Surrounding areas we lend in: Pooler, Richmond Hill, Tybee Island, Rincon. Compare today's mortgage rates, run the numbers with our DSCR calculator and mortgage calculators, or request a Savannah rate quote.
Also serving Pooler, Bloomingdale, Rincon, Hinesville, and the greater Chatham, Effingham, and Bryan County coastal region.
Trusted by Homeowners Across Georgia
ABS Home Mortgage, Inc. has helped over 15,250 clients with more than $5 billion in funded loans. Our Georgia team is known for fast responses, transparent advice, and competitive pricing.
Meet the TeamFrequently Asked Questions About Savannah Mortgages
Answers to common questions from Savannah homebuyers and investors.
Get Your Savannah Mortgage Quote Today
Start your pre-approval online or speak with a Savannah loan expert. No obligation, no hidden fees, and a pre-approval letter you can use right away.
Toll Free: 1-866-666-2378 (866-666-BEST)
ABS Home Mortgage, Inc. | NMLS ID #209985 | NMLS Consumer Access
ABS Home Mortgage, Inc. holds a Georgia Mortgage Broker/Processor License/Registration #209985, NMLS ID #209985. Regulated by the Georgia Department of Banking and Finance.
Equal Housing Lender. Not a commitment to lend. Rates, terms, and programs subject to change without notice and subject to borrower and property qualification. See our licensing page for full details.