Savannah Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Savannah, Georgia (License #71263). Chatham County (Savannah) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
Savannah pairs a historic coastal setting with a strong military presence near Hunter Army Airfield and Fort Stewart. Affordability and VA loan fluency drive much of the purchase activity in Chatham County.
Today's Savannah Mortgage Rates
Live best-execution Georgia rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
Rates subject to change. See Rate Assumptions.
Savannah Home Loan Facts
Median Home Price
~$340,000
Curated Savannah estimate.
2026 Conforming Limit
$832,750
Chatham County baseline reference.
County
Chatham County
Loan limits are set at the county level.
Loan Limits & Market
Chatham County (Savannah) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
From the Historic District and Ardsley Park to Pooler and the surrounding suburbs, Savannah draws first-time buyers, relocating families, and military households. VA and FHA loans see heavy use alongside conventional financing.
Savannah Highlights
- Baseline conforming limit of $832,750 (2026)
- Strong VA demand near Hunter AAF & Fort Stewart
- Georgia Dream assistance for first-time buyers
- Affordable historic coastal market
Property Taxes in Georgia
Georgia offers a standard homestead exemption for primary residences, with additional exemptions available in many counties for seniors and other qualifying homeowners.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Georgia
Georgia Dream Homeownership
Affordable first mortgage for eligible first-time buyers who meet income and purchase-price limits.
Georgia Dream Down Payment Assistance
Second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Savannah, Georgia
Your Savannah loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Georgia mortgage license (#71263). See our full licensing & disclosures for details.
Meet Ivan HendrenSavannah Mortgage FAQ
Are VA loans common in Savannah?
Yes. With Hunter Army Airfield and nearby Fort Stewart, Savannah has a substantial military population and heavy VA loan use. Eligible borrowers get no down payment, no PMI, and competitive rates.
What is the conforming loan limit in Savannah for 2026?
Chatham County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
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