Buying a Home in Savannah & Coastal Georgia

Historic charm, river and marsh views, and coastal living

About the Savannah & Coastal Georgia Area

Coastal Georgia stretches from historic Savannah and its growing suburbs to the barrier islands and the communities around Brunswick. Buyers here range from first-time homeowners to retirees and second-home shoppers.

Cities & Towns Covered

This guide includes buyers in and around:

Savannah
Pooler
Richmond Hill
Garden City
Port Wentworth
Tybee Island
Brunswick
St. Simons Island
Jekyll Island
Kingsland

Don’t see your town? If it’s nearby, I can probably help. Just ask.

What Buyers Here Often Consider

Many properties near the water, marsh, or rivers sit in flood zones, so flood insurance and elevation can affect monthly costs and loan requirements. Military families stationed in the region may also want to explore VA loans.

Mortgage Options for Savannah & Coastal Georgia 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. Second homes and investment properties have their own down payment and qualification rules, which I can walk you through.

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.

Schedule Personal Time With Bob →Send a Mortgage Question

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.