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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Georgia
  4. Augusta
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Augusta, GA

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Augusta

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Mortgage First Augusta

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.

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(706) 922-1684
Open 9:00 AM - 5:00 PM
1030 Jimmie Dyess Pkwy Suite #7, Augusta, GA 30909
2

Atlantic Bay Mortgage Group - Augusta, GA

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.

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(762) 685-4600
Open 8:30 AM - 5:00 PM
621 NW Frontage Rd, Augusta, GA 30907
3

John T. Chandler | SouthState Mortgage

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.

Services & Prices
Residential Mortgage Quoted per loan
Commercial Mortgage Quoted per loan
Refinancing Solutions Quoted per loan
Checking Accounts $0 - $10
View Profile
(762) 383-6534
Open 7:00 AM - 7:00 PM
3515 Wheeler Rd Building A, Augusta, GA 30909
General Services
Mortgage Services
4

Silverton Mortgage - Augusta

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.

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(706) 250-5030
Open 00:00 - 23:59
112 Pleasant Home Rd Ste a, Augusta, GA 30909
5

First Choice Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(706) 855-1599
Open 9:00 AM - 5:00 PM
217 Davis Rd # A, Augusta, GA 30907
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Chris Johnson - Ameris Bank Mortgage

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.

Services & Prices
VA Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(706) 830-8505
Open 8:30 AM - 5:00 PM
2743 Perimeter Pkwy Bldg. 200, Ste 107, Augusta, GA 30909
General Services
Mortgage Lending
7

Daniel Yonchak - Mortgage Lender

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.

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(706) 831-2148
Open 9:00 AM - 5:00 PM
229 Furys Ferry Rd Ste 131, Augusta, GA 30907
8

Kristine Brown - Ameris Bank Mortgage

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.

Services & Prices
FHA Loans Quoted per loan
VA Loans Quoted per loan
Conventional Loans Quoted per loan
Georgia Dream Program Quoted per loan
View Profile
(706) 836-4132
Open 8:30 AM - 5:00 PM
2743 Perimeter Pkwy Bldg. 200, Ste 107, Augusta, GA 30909
General Services
Mortgage Lending
9

Augusta Mortgage Company

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(706) 860-4200
Open 8:30 AM - 5:00 PM
243 Davis Rd, Augusta, GA 30907
General Services
Mortgage Services
10

First Heritage Mortgage, LLC - Augusta

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.

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(803) 317-2854
Open 8:30 AM - 5:30 PM
2743 Perimeter Pkwy Bldg 200 suite 225, Augusta, GA 30909

Augusta Mortgage Statistics

Home-purchase lending in Richmond County and home costs in Augusta, GA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
2,011▲ 10%1,828 in 2024
Denial rate
18%GA 15%
Median home value
$178,400GA $303,300
Monthly cost with a mortgage
$1,382median · GA $1,783
Refinance loans made (Richmond County, 2025)
1,142 · 954 in 2024
Home-improvement loans made (2025)
224
Average home-purchase loan
$239,000 (GA $371,000)
Owners with a mortgage
60% · 27% of them spend 30%+ of income on housing
Median household income
$55,485 (GA $77,353)

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.

Augusta Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Augusta mortgage affordability calculator works

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.

Georgia rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.77% of the home's value a year, the Georgia average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

10 questions
How does the mortgage affordability calculator for Augusta work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, considering PMI and property tax.
How accurate is a mortgage affordability calculator?
It's a general estimate. Pre-approval from a lender confirms the real amount by verifying income, debts, and credit.
What is the debt-to-income ratio for mortgages in Georgia?
Lenders typically cap total debt payments at 43% of gross monthly income, with housing costs at about 31%.
What is the minimum down payment for a home in Augusta?
Minimum down payment is 3% for conventional first-time buyer loans and 3.5% for FHA loans.
How does PMI affect my mortgage in Georgia?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually, removable when the balance is below 80% of home value.
How do interest rates impact mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly; this calculator starts at 7.40%.
How do existing debts affect my mortgage in Augusta?
Existing debts reduce the amount you can borrow. Lenders consider total debt payments, capping them at 43% of income.
What are property taxes like in Georgia?
Property tax in Georgia is about 0.77% of the home's value annually, based on 2024 averages for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, giving a more accurate borrowing limit than pre-qualification.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage terms with lenders, guiding you through the loan process.

General information, not financial advice — consult a qualified professional.