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

How much house can you afford in Savannah? 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 Savannah

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

1

New American Funding - Kelley Sullivan

New American Funding - Kelley Sullivan offers a distinctive mortgage program that enables qualified buyers to make non-contingent cash offers, helping them stand out in competitive markets. The team provides a range of home financing options, including purchase loans, refinancing, and jumbo loans, with a focus on clear communication and fast approvals. Customers appreciate the smooth process and… more...

New American Funding - Kelley Sullivan offers a distinctive mortgage program that enables qualified buyers to make non-contingent cash offers, helping them stand out in competitive markets. The team provides a range of home financing options, including purchase loans, refinancing, and jumbo loans, with a focus on clear communication and fast approvals. Customers appreciate the smooth process and responsiveness throughout their experience.

View Profile
(912) 844-2593
Open 9:00 AM - 5:00 PM
200 Stephenson Ave Ste. 101 &103, Savannah, GA 31405
2

Coastal Custom Mortgage, Inc.

Known for responsive and personable lending support, Coastal Custom Mortgage, Inc. guides clients through home financing with clear communication and attention to detail. The team assists with loan processing and financial document management, often making the experience smoother for first-time buyers. Some customers have noted occasional delays in follow-up communication.

Services & Prices
Conventional Home Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(912) 777-7050
Open 9:00 AM - 5:00 PM
340 Eisenhower Dr #220, Savannah, GA 31406
General Services
Home Loan Services
3

New American Funding - Kelly Ambrose

New American Funding offers a distinctive Pathway to Homeownership program that provides down payment assistance with no repayment required. Their team guides clients through a variety of mortgage options, including loans for first-time buyers, refinancing, and investment properties, while maintaining clear communication throughout the process. Customers appreciate their professionalism and… more...

New American Funding offers a distinctive Pathway to Homeownership program that provides down payment assistance with no repayment required. Their team guides clients through a variety of mortgage options, including loans for first-time buyers, refinancing, and investment properties, while maintaining clear communication throughout the process. Customers appreciate their professionalism and responsiveness, though some note the digital process may feel fast-paced.

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(912) 446-1011
Open 9:00 AM - 5:00 PM
200 Stephenson Ave Ste. 101 &103, Savannah, GA 31405
4

New American Funding - Savannah, GA

New American Funding in Savannah offers a variety of mortgage options, including Conventional, FHA, and VA loans, along with unique programs like NAF Cash and homebuyer assistance through their Pathway to Homeownership initiative. Customers often note the team’s ability to close loans quickly, though some have experienced challenges with loan management and communication during complex… more...

New American Funding in Savannah offers a variety of mortgage options, including Conventional, FHA, and VA loans, along with unique programs like NAF Cash and homebuyer assistance through their Pathway to Homeownership initiative. Customers often note the team’s ability to close loans quickly, though some have experienced challenges with loan management and communication during complex transactions.

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(912) 216-9134
Open 9:00 AM - 5:00 PM
200 Stephenson Ave Ste. 101 & 103, Savannah, GA 31405
5

First Coast Mortgage - The Caputo Team NMLS #609809

With 27 years of experience and over 5,000 clients served, First Coast Mortgage - The Caputo Team focuses on fast closings and clear guidance throughout the home-buying process. They offer a variety of loan programs, including Conventional, VA, FHA, USDA, and Jumbo loans, helping buyers feel confident and informed. Customers appreciate their consistent communication and smooth, efficient service.

Services & Prices
Residential Mortgage Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(912) 658-2366
Open 9AM - 5PM
2818 Bee Rd, Savannah, GA 31404
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Jarad Brown

Known for clear communication and responsiveness, this mortgage broker guides clients patiently through every step of the loan process. The team handles paperwork efficiently to help close deals smoothly and often ahead of schedule. Customers appreciate the expertise and support, though some note the process can still feel complex at times.

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(912) 604-8848
Open 00:00 - 23:59
200 Stephenson Ave Ste 101 & 103, Savannah, GA 31405
7

Whit Campbell Mortgage Advisor

Known for a consultative approach and quick responsiveness, Whit Campbell Mortgage Advisor helps clients navigate home financing with care and professionalism. The team assists with various mortgage needs, including purchases and refinancing, guiding customers step-by-step. Clients appreciate their thoroughness and clear communication throughout the process.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(912) 223-5516
Open 00:00 - 23:59
340 Eisenhower Dr #220, Savannah, GA 31406
General Services
Mortgage Services
8

Carol Schretter - BankSouth Mortgage Loan Officer

With nearly 30 years of experience, BankSouth Mortgage focuses on personalized mortgage solutions and down payment assistance programs. The team guides first-time homebuyers and others through refinancing and custom loan options, often praised for their responsiveness and support—even outside regular hours. Some clients note the process can be detailed but appreciate the clear communication… more...

With nearly 30 years of experience, BankSouth Mortgage focuses on personalized mortgage solutions and down payment assistance programs. The team guides first-time homebuyers and others through refinancing and custom loan options, often praised for their responsiveness and support—even outside regular hours. Some clients note the process can be detailed but appreciate the clear communication throughout.

Services & Prices
Loan Pre-Approval Services Quoted per loan
View Profile
(912) 398-5767
Open 00:00 - 23:59
5 Oglethorpe Professional Blvd Ste 150, Savannah, GA 31406
General Services
Home Financing
9

Silverton Mortgage - Savannah

Silverton Mortgage is known for its clear communication and attentive support throughout the lending process. The team specializes in loan origination, carefully assessing borrower credit profiles and managing loan pipelines to help reduce closing delays. Customers appreciate their professionalism and responsiveness, though the process can still require patience at times.

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(803) 920-3470
Open 00:00 - 23:59
100 E Montgomery Cross Rd Ste A, Savannah, GA 31406
10

First Coast Mortgage - Brian Koncul

First Coast Mortgage focuses on helping first-time homebuyers and those using VA and FHA loans navigate the mortgage process with clear guidance and educational resources. The team offers personalized support from application through closing, with clients noting their responsiveness and ability to simplify what can be a complex experience.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(912) 398-4387
Open 00:00 - 23:59
2818 Bee Rd, Savannah, GA 31404
General Services
Mortgage Services

Savannah Mortgage Statistics

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

Lenders made 4,130 home-purchase loans in Chatham County in 2025 (average about $415,000) and denied 556 — 12% of decided applications, compared with 15% across Georgia, according to federal mortgage data (HMDA, CFPB). In Savannah, the median home is worth $248,900 and 63% of owners have a mortgage, paying a median $1,592 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
4,130▲ 4%3,966 in 2024
Denial rate
12%GA 15%
Median home value
$248,900GA $303,300
Monthly cost with a mortgage
$1,592median · GA $1,783
Refinance loans made (Chatham County, 2025)
2,135 · 1,615 in 2024
Home-improvement loans made (2025)
507
Average home-purchase loan
$415,000 (GA $371,000)
Owners with a mortgage
63% · 32% of them spend 30%+ of income on housing
Median household income
$57,137 (GA $77,353)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Chatham County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Savannah Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 New American Funding - Kelley Sullivan 5.0 222 — (912) 844-2593 Visit
2 Coastal Custom Mortgage, Inc. 5.0 216 Quoted per loan (912) 777-7050 Visit
3 New American Funding - Kelly Ambrose 5.0 183 — (912) 446-1011 Visit
4 New American Funding - Savannah, GA 4.8 125 — (912) 216-9134 Visit
5 First Coast Mortgage - The Caputo Team NMLS #609809 5.0 119 Quoted per loan (912) 658-2366 Visit
6 Jarad Brown 5.0 115 — (912) 604-8848 Visit
7 Whit Campbell Mortgage Advisor 5.0 73 Quoted per loan (912) 223-5516 Visit
8 Carol Schretter - BankSouth Mortgage Loan Officer 5.0 61 Quoted per loan (912) 398-5767 Visit
9 Silverton Mortgage - Savannah 4.9 53 — (803) 920-3470 Visit
10 First Coast Mortgage - Brian Koncul 5.0 40 Quoted per loan (912) 398-4387 Visit

How this Savannah 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

9 questions
How does the mortgage affordability calculator work in Savannah?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes PMI and property tax.
What is the debt-to-income ratio for mortgages in Georgia?
Lenders typically cap housing costs at 31% of gross income and total debt at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Savannah?
For first-time buyers, it's 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage in Georgia?
With less than 20% down, PMI is about 0.6% of the loan annually. It can usually be removed once the loan balance is under 80% of the home's value.
How do interest rates change what I can afford in Savannah?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% and change weekly.
How do debts impact my mortgage qualification in Georgia?
Higher monthly debts reduce the amount you can borrow. Lenders consider total debt-to-income ratios when qualifying you for a mortgage.
What is the property tax rate in Savannah, Georgia?
Property tax is about 0.77% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, giving a more accurate borrowing limit. Pre-qualification is a preliminary estimate.
What does a mortgage broker do in Savannah?
A mortgage broker helps find and negotiate loans, comparing options from different lenders to suit your needs.

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