Most popular
Conventional
Steady income and good credit
3%
minimum down payment
- Credit score
- 620+
- Mortgage insurance
- Until 20% equity
- Loan limit
- $832,750
Turn up to 2% of your price into a lower rate.
Buy with Savant Homes, finance with Savant Lending, and up to 2% of the price comes back at closing to buy down your rate.
Google reviewsPre-approval in about 2 hoursGeorgia only
Two steps to a lower rate.
Step 1
Buy your home with Savant Homes
- Up to 2% of the price toward a lower rate
- A licensed Georgia broker on every offer
- Offers priced against recent sales
Step 2
Lower your rate with Savant Lending
- Wholesale rates on every loan type
- Pre-approval in about 2 hours
- Your credit buys down the rate for the life of the loan
Savings calculator
See what you'd save.
Set your price and down payment. Your Savant credit buys down the rate — here's what that does to your payment.
$150K$1.5M
Down payment
You save
$132/mo
$47,677
Over 30 years
Without the credit
6.625% rate
$2,593/mo
With your Savant credit
6.125% rate
$2,461/mo
- Savant credit
- $9,000
- Buys about
- 2.2 points
- Loan amount
- $405,000
Illustrative: 30-year fixed at a 6.625% starting rate, each point lowering the rate about 0.25%. [Connects to live pricing.] Your Loan Estimate shows exact terms. Not a commitment to lend.
Find your loan
Four loans, side by side.
Not sure which fits? Apply once and your loan officer matches you to the right one.
FHA
First-time buyers, smaller savings
3.5%
minimum down payment
- Credit score
- 580+
- Mortgage insurance
- Required
- Loan limit
- $541,287*
VA
Veterans and service members
$0
minimum down payment
- Credit score
- 580+
- Mortgage insurance
- None
- Loan limit
- None with full entitlement
Jumbo
Homes above conforming limits
10%
minimum down payment
- Credit score
- 700+
- Mortgage insurance
- Usually none
- Loan amount
- Above $832,750
2026 limits for one-unit homes. FHA limits are higher in some Georgia counties. Requirements are Savant Lending's minimums and can change.
The Savant credit · Rate buy-down
Buy with Savant Homes. Use up to 2% of the price to buy down your rate.
When your agent and your lender are both Savant, up to 2% of the purchase price comes back to you at closing. It pays for discount points, and the lower rate stays with you for the life of the loan.
On a $450,000 home with 10% down
$9,000
Savant credit
≈ 2.2
discount points on $405,000
1 point
= 1% of your loan amount
Paid at closing
from your credit, not your savings
Lower rate
for the life of the loan
How much each point lowers your rate depends on that day's pricing; your Loan Estimate shows the exact trade. Credits are limited by loan program. [Final terms pending compliance review.]
Three steps to the closing table.
Start step 1
1Get pre-approved
Apply online or by phone. Savant Lending verifies your income, assets and credit and sends your letter — usually the same day.
2Shop with confidence
Make offers with a letter sellers trust. Use a Savant Homes broker to qualify for the Savant credit, or any agent you like.
3Close and get your keys
Once your offer is accepted, Savant Lending handles appraisal and underwriting and walks you to the closing table.
You can use any real estate agent with a Savant Lending loan. The Savant credit applies only when you buy with Savant Homes and finance with Savant Lending.
“Barry and his team were absolutely amazing throughout my entire home buying journey.”
Questions buyers ask.
Buy your Georgia home with Savant Homes and finance it with Savant Lending, and up to 2% of the purchase price is applied at closing to buy down your interest rate.
You pay discount points at closing — here, with your credit — in exchange for a lower rate for the life of the loan.
[Confirm: soft pull at pre-approval, or hard pull?] Your loan officer tells you before any credit check is run.
Get a Savant quote and compare it on the same terms — rate, points, fees and how your credit is applied. Switching is easiest before you go under contract.
No. Any agent works with a Savant Lending loan. The credit applies only when you use both.
Start your application.
Pre-approval in about 2 hours. No obligation to buy or borrow.