Your Dream Home
Starts Here
Low Down Payments • Competitive Rates • Fast Pre-Approval
Find the Perfect Loan for Your Budget
More Than a Lender. Your Home Buying Partner.
We don't just approve loans—we guide you through every step of homeownership. With our coordinated approach combining lending, real estate expertise, and personalized service, you'll close faster and with less stress.
Lightning-Fast Pre-Approvals
Get your pre-approval letter in as little as 24 hours. We understand time matters when you find the perfect home.
Coordinated Real Estate Team
Work with our in-house agents or your own—either way, you benefit from seamless communication between your lender and agent.
Proven Track Record
With over $12M in monthly loan volume and licenses in 4 states, we have the experience and resources to close your loan right.
Today's Purchase Rates
Rates updated daily. Your rate may vary based on credit, loan amount, and property type.
*Rates shown are for illustrative purposes and subject to change without notice. Actual rates depend on credit score, loan-to-value ratio, loan amount, and other factors. APR includes estimated fees and costs.
The Savant Advantage
No Surprises at Closing
Transparent pricing from day one. We'll walk you through every cost, every fee, and every detail so you know exactly what to expect.
Direct Access to Decision Makers
No call centers, no runaround. You'll work directly with experienced loan officers who have the authority to get things done.
Every Loan Type Under One Roof
FHA, VA, Conventional, Jumbo, USDA—we offer them all. One application, access to every program that fits your needs.
Technology That Works For You
Upload documents from your phone, track your loan status 24/7, and e-sign from anywhere. Modern lending for modern buyers.
Competitive Rates, Every Time
We shop multiple lenders to find you the best rate and terms. Our goal is to save you money over the life of your loan.
Support Beyond Closing
Our relationship doesn't end at the closing table. Need to refinance? Have questions? We're here for the long haul.
"Working with Savant was the easiest part of buying our first home. They answered every question, moved quickly when we needed them, and made us feel confident every step of the way. I can't imagine going through this process with anyone else."
Which Loan Type is Right for You?
Every buyer's situation is unique. We offer a variety of loan programs to match your financial goals, credit profile, and homeownership dreams. Let's find the perfect fit.
Our Loan Programs
Explore our full range of purchase loan options
Conventional Loans
Traditional financing with competitive rates and flexible terms. Ideal for buyers with good credit and stable income.
- Down payments as low as 3%
- Competitive interest rates
- Various term options (15, 20, 30 years)
- PMI can be removed at 20% equity
FHA Loans
Government-backed loans perfect for first-time buyers with lower credit scores or smaller down payments.
- Only 3.5% down payment required
- More flexible credit requirements
- Lower closing costs
- Assumable by future buyers
VA Loans
Zero down payment loans for veterans, active military members, and eligible spouses. No PMI required.
- $0 down payment
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit guidelines
Jumbo Loans
Financing for high-value properties exceeding conforming loan limits. Competitive rates for luxury homes.
- Loan amounts up to $3M+
- Competitive jumbo rates
- Flexible down payment options
- Purchase luxury properties
USDA Loans
Zero down payment loans for eligible rural and suburban properties. Income limits apply.
- $0 down payment
- Low mortgage insurance
- Competitive rates
- Flexible credit standards
First-Time Buyer Programs
Special programs designed specifically for first-time homebuyers with down payment assistance and education.
- Down payment assistance available
- Closing cost credits
- Homebuyer education included
- Various program options
Quick Comparison Guide
Compare our most popular loan programs side-by-side
| Factor | Conventional | FHA | VA | Jumbo |
|---|---|---|---|---|
| Down Payment | 3-20% | 3.5% | $0 | 10-20% |
| Credit Score | 620+ | 580+ | 580+ | 700+ |
| Mortgage Insurance | PMI if <20% down | Required | None | Typically not required |
| Loan Limits | Up to $766,550 | Up to $498,257 | No limit | $766,550+ |
*Loan limits and requirements subject to change. Values shown are for 2024.
How to Get Started
Our simple 3-step process gets you from application to approval quickly
Apply for Pre-Approval
Fill out our simple online application or call us. We'll review your finances and provide a pre-approval letter within 24 hours.
Shop for Your Home
With pre-approval in hand, start house hunting with confidence. Work with any agent you prefer, or use our real estate team.
Close Your Loan
Once your offer is accepted, we handle underwriting and guide you to closing. Most loans close in 21-30 days.
You are free to work with any real estate agent you prefer for your home purchase. While Savant Homes offers real estate brokerage services, there is no requirement to use our agents when obtaining a mortgage through Savant Lending.
Frequently Asked Questions
What credit score do I need to buy a home?
It depends on the loan program. FHA loans can go as low as 580, conventional loans typically require 620+, and jumbo loans usually need 700+. We can help you find a program that matches your credit profile.
How much do I need for a down payment?
Down payments range from $0 (VA and USDA) to 3.5% (FHA) to 3-20% (conventional). The amount you put down affects your monthly payment and whether you'll need mortgage insurance.
How long does the mortgage process take?
Pre-approval typically takes 24 hours. Once you're under contract on a home, closing usually takes 21-30 days, depending on the complexity of the transaction and appraisal timelines.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate based on information you provide. Pre-approval is a formal process where we verify your income, assets, and credit, and issue a commitment letter. Sellers take pre-approval much more seriously.
Can I buy a home with student loan debt?
Yes! Student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many of our clients successfully buy homes while managing student debt.
Ready to Get Pre-Approved?
Take the first step toward homeownership. Our loan officers are standing by to help you explore your options and get approved fast.
Licensed in Georgia • NMLS #2043109