Savannah, GA
A better way to mortgage in Savannah, GA.
Conventional, FHA, first-time-buyer programs sized to Savannah budgets — matched to your Savannah file, from Historic Landmark District to every corner of Savannah.
Does Choice Home Mortgage work with Savannah, GA buyers?
Yes. Choice Home Mortgage arranges home loans for Savannah buyers through licensed partner brokers who cover Georgia. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Savannah loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit Savannah home is $832,750 (Chatham County, per FHFA). We start every Savannah file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Savannah home really takes.
Savannah’s heritage grid of 22 squares and antebellum stock create an irreplaceable supply constraint that underpins core values; SCAD’s large student presence, the fast-growing Port of Savannah, and growing tech and film production give it employment diversity beyond tourism.
The loan has to fit the Savannah picture. For Savannah, 2026 conforming tops out at Chatham County’s $832,750 baseline on one-unit Savannah homes. Savannah price points mostly stay under $832,750, which keeps conventional, FHA, and first-time-buyer on the menu for Savannah buyers. As a market, Savannah runs solidly middle-of-market. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
142,000-plus residents make Savannah home — across Historic Landmark District, Midtown Savannah, and between — with Hilton Head Island and Garden City nearby. Our Savannah picture runs street-level, Forsyth Park and the historic squares and all. Whether the address is in Historic Landmark District, Victorian District, Ardsley Park, and Midtown Savannah or another Savannah pocket entirely, the financing follows. From anywhere in Savannah, the whole process runs by phone and online — local Savannah market reads included, commute not required. Across Georgia, our coverage runs 18 cities deep — and in Savannah, as everywhere, the county numbers get verified before anything is quoted.
How Savannah buyers come out ahead.
Local Savannah insight
From Forsyth Park and the historic squares across Historic Landmark District, Victorian District, Ardsley Park, we keep tabs on what Savannah homes actually go for and which programs carry them.
Down-payment friendly
We open most Savannah files with conventional, FHA, first-time-buyer, then layer in whatever down-payment help your Savannah numbers qualify for.
We shop; you choose
We make lenders compete for Savannah business instead of squeezing Savannah buyers into a single bank's box.
Owner-coordinated
Esther Buede, the owner, coordinates your Savannah loan start to finish; our Google reviews show Savannah buyers why that matters.
One coordinator on the Savannah file, start to keys.
In Savannah, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Victorian District to every part of Savannah. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your Savannah purchase, not a template.
Conventional work anchors our Savannah lending, with Forsyth Park and the historic squares part of the pull. Most Savannah files start at conventional, FHA, first-time-buyer (via our licensed partner-broker network) and branch from there — every option gets a look: conventional, non-QM, VA, and FHA financing. Jump in at any stage: buying, refinancing, or just running numbers — apply here or call (949) 522-7310.
The programs that come up most for Savannah buyers: conventional, FHA, first-time-buyer.
Self-employed in Savannah? We also work with 1099 and business-owner borrowers — 1099 income included. Want every unit count, not just single-family? Chatham County’s 2026 loan limits page has the full table.
And around Savannah: Hilton Head Island, Garden City, Wilmington Island are all in reach. Every Georgia city we cover →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Savannah, GA buyers through licensed partner brokers. Equal Housing Opportunity. We serve Savannah remotely; there is no local Savannah office.
Before you buy in Savannah: the FAQs.
Is there a loan limit for Savannah purchases in 2026?
Yes. A conforming loan on a one-unit Savannah home can go up to $832,750 in 2026, which is FHFA's limit for Chatham County. Chatham County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
As a first-time buyer in Savannah, where do I start?
Start by checking which of conventional and FHA loans you qualify for, since those are the loans first-time buyers in Savannah use most. Some conventional programs accept 3% down from first-time buyers. An FHA loan on one unit in Chatham County can go to $541,287 in 2026 (HUD).
What parts of Savannah do you work in?
Every part of Savannah, including Historic Landmark District, Victorian District, Ardsley Park and Midtown Savannah. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Chatham County conforming limit for one unit is $832,750 in 2026.
I'm buying in Savannah, GA: can you handle it?
Yes. A licensed partner broker in Georgia originates the Savannah loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Savannah office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Savannah?
Yes, the towns around Savannah are covered, including Hilton Head Island, Garden City and Wilmington Island. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Savannah file.
How does the process run for a Savannah buyer working with you?
A Savannah buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Georgia licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Your Savannah keys are the goal.
Tell us about the Savannah home you want — we'll match the program and make lenders compete for your Savannah loan.