How much house can you afford in Augusta? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Mortgage First Augusta
5.0 · 176 reviews · Free pre-approval
Get pre-approved →
Atlantic Bay Mortgage Group - Augusta, GA
5.0 · 149 reviews · Free pre-approval
Get pre-approved →
John T. Chandler | SouthState Mortgage
5.0 · 107 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Mortgage First Augusta focuses on helping clients navigate home buying and refinancing with clear guidance and responsive communication. The team assists with mortgage loans and refinancing, aiming to make the process straightforward and understandable. Customers appreciate their accessibility and support, though some note the experience can still feel stressful at times.
With over 30 years of experience, Atlantic Bay Mortgage Group focuses on making the mortgage process clear and personalized. They offer home purchase and refinancing services, providing helpful guides and connecting clients with local mortgage bankers. Customers appreciate their thorough communication and smooth, timely closings.
Known for clear communication and attentive service, John T. Chandler | SouthState Mortgage helps clients navigate mortgage applications with care and efficiency. The team focuses on timely updates and thorough support throughout the approval process. Customers appreciate their consistent professionalism and attention to detail.
Silverton Mortgage specializes in tailoring loan programs to fit individual financial situations, offering options like FHA, VA, USDA, and Jumbo loans. With over two decades of experience, the team provides clear guidance and responsive communication, helping clients navigate the mortgage process smoothly, though some may note occasional wait times for answers.
Known for its personalized service and deep local expertise, First Choice Mortgage offers a broad range of loan programs including VA, FHA, Conventional, USDA, and Jumbo loans. Clients appreciate the team’s responsiveness and clear communication throughout the process, though some note that more complex deals can take extra time to complete.
With over 20 years of mortgage lending experience, Ameris Bank Mortgage specializes in a variety of loan options, including VA and conventional loans. The team guides clients through the mortgage process with clear communication and responsiveness. Customers appreciate their knowledgeable support, though some note the process can require patience.
Known for quick preapprovals and responsive communication—even across time zones—this mortgage lender helps clients navigate tight deadlines with ease. The team offers attentive, professional service focused on simplifying the mortgage process. Customers appreciate their hard work and availability, though the pace may feel intense for those expecting a slower approach.
Ameris Bank Mortgage specializes in personalized home loan solutions, including conventional, FHA, and VA programs, with a focus on first-time homebuyers. The team provides clear communication and guidance throughout the mortgage process, helping clients navigate approvals and financing with ease. Customers appreciate the attentive support, though some note the process can require patience.
Augusta Mortgage Company is known for its attentive and responsive team that guides clients through the mortgage process with clear communication and professionalism. They specialize in home loan financing, helping buyers navigate rates and paperwork smoothly. Customers appreciate the helpfulness and steady support, though some note the process can feel lengthy at times.
Known for a personal approach that treats clients like friends, First Heritage Mortgage, LLC offers mortgage brokerage services focused on making home buying smoother and simpler. The team is responsive and informative, guiding customers through challenges with patience and clear communication. Some clients note availability outside typical hours as a helpful touch.
Lenders made 2,011 home-purchase loans in Richmond County in 2025 (average about $239,000) and denied 431 — 18% of decided applications, compared with 15% across Georgia, according to federal mortgage data (HMDA, CFPB). In Augusta, the median home is worth $178,400 and 60% of owners have a mortgage, paying a median $1,382 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Richmond County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Mortgage First Augusta | 5.0 | 176 | — | (706) 922-1684 | Visit |
| 2 | Atlantic Bay Mortgage Group - Augusta, GA | 5.0 | 149 | — | (762) 685-4600 | Visit |
| 3 | John T. Chandler | SouthState Mortgage | 5.0 | 107 | $10 | (762) 383-6534 | Visit |
| 4 | Silverton Mortgage - Augusta | 4.9 | 89 | — | (706) 250-5030 | Visit |
| 5 | First Choice Mortgage | 5.0 | 78 | Quoted per loan | (706) 855-1599 | Visit |
| 6 | Chris Johnson - Ameris Bank Mortgage | 5.0 | 73 | Quoted per loan | (706) 830-8505 | Visit |
| 7 | Daniel Yonchak - Mortgage Lender | 5.0 | 61 | — | (706) 831-2148 | Visit |
| 8 | Kristine Brown - Ameris Bank Mortgage | 5.0 | 36 | Quoted per loan | (706) 836-4132 | Visit |
| 9 | Augusta Mortgage Company | 4.9 | 32 | Quoted per loan | (706) 860-4200 | Visit |
| 10 | First Heritage Mortgage, LLC - Augusta | 4.9 | 22 | — | (803) 317-2854 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.