Buying a Home in Augusta
A river city with major medical institutions and a large military installation
About the Augusta Area
The Augusta area includes the city itself and the fast-growing suburbs of Columbia County, such as Evans and Martinez. Buyers include medical and technology professionals, military families, and people relocating to the region.
Cities & Towns Covered
This guide includes buyers in and around:
- Augusta
- Evans
- Martinez
- Grovetown
- Harlem
- Hephzibah
- Thomson
Don’t see your town? If it’s nearby, I can probably help. Just ask.
What Buyers Here Often Consider
Veterans and active-duty buyers may find VA loans worth a look, and buyers in eligible rural areas outside the city may qualify for USDA financing.
Mortgage Options for Augusta Buyers
Depending on your qualifications and the property, financing may include conventional loans, FHA loans, VA loans for eligible borrowers, and certain low- or no-down-payment options. Program eligibility, credit requirements, income limits, loan limits, and property rules vary. Whether you are buying in town or in the surrounding counties, I can help you compare programs side by side.
Questions Worth Asking Before You Buy
How much cash will you need for the down payment and closing costs? What monthly payment fits comfortably once taxes, insurance, and any HOA fees are included? The answers depend on your specific situation and current loan pricing.
Let’s Talk About Your Homebuying Plans
I’m Bob French, a mortgage loan officer based in Greater Atlanta. I cover all of Georgia and hold a Florida license, so I can help you compare financing options and understand the numbers.
Bob French · NMLS #2333469 · David Kilpatrick Financial LLC · NMLS #1574879. This guide is general information, not a loan offer or a commitment to lend. Loan programs, limits, and requirements change and are subject to underwriting and lender requirements.