VA Loans, Savannah, GA

Achieve your dream of home ownership with a VA loan.

At Harbor Mortgage Company, we want to thank all current service members, veterans, and surviving spouses for their commitment to serving our country. We also want to help you achieve your dream of becoming a homeowner by introducing you to your options for VA loans and other mortgage solutions.

VA loans help current servicemembers and veterans become homeowners by guaranteeing a portion of the loan, which enables us as your lender to provide you with more favorable terms. When you take out a VA loan for your home purchase or refinance, you are also eligible for the following benefits:

No down payment is required.
Competitively low interest rates.
Limited closing costs and no need for Private Mortgage Insurance.

VA loans also come with a lifetime benefit, so you can use this form of financing multiple times.

If you are interested in using a VA loan for your next home purchase, the lending process is similar to securing a traditional mortgage. Our team may require additional verification to determine your current or prior status in the military, but beyond that, we will shop for different VA loans on your behalf that carry the best terms and options over the life of the loan.

"Extremely friendly, experienced, and responsive."

"David and his team are extremely friendly, experienced, and responsive, have a wide variety of attractive mortgage options to choose from, and just make it very easy."

★★★★★ 22^th August 2018 - James C.

Contact us today to schedule a 15-minute phone consultation.

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Services We Offer

MORTGAGE LOANS

Turn to us to better understand the world of mortgage loans.

LOANS

We offer a level of expertise that is rare even in the mortgage lending industry.

MORTGAGE RATES

We can help you find the best mortgage rates and terms for your situation.

Contact us today to schedule a 15-minute phone consultation.

Schedule Appointment

We make getting a mortgage simple and hassle-free!

We are your guide when it’s time to make your dream of homeownership in Savannah, Georgia a reality. Contact us today to set up an appointment, learn more about VA loans, and start the prequalification process.

FAQs for VA Loans

If you are purchasing a new home and need to refinance this purchase, one option that may be available to you is a VA loan. The following are some common questions we receive about VA loans and their answers.

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What is a VA loan?

A VA loan is a type of mortgage loan program guaranteed by the U.S. Department of Veterans Affairs. The purpose of VA loans is to help veterans and their families purchase homes or refinance their mortgages.

Who qualifies for a VA loan?

Generally, active-duty service members, veterans, and National Guard members can obtain a VA loan. Under certain conditions, the spouses of deceased service members may also be eligible for one of these loans.

How do you apply for a VA loan?

To apply for a VA loan, you must obtain a Certificate of Eligibility (COE) from the VA. After you have this, any lender can help you apply for one of these loans.

What are the benefits of a VA loan?

There are many benefits of using a VA loan to purchase a home or refinance. For example, you may not have to put down a down payment, you do not have to pay for private mortgage insurance, and closing costs are limited. You also have access to competitive interest rates.

Are there limitations on properties you can buy with a VA loan?

You can typically use a VA loan to finance the purchase of a single-family home, condominium, or multi-unit property. However, the property must meet the VA’s requirements for occupancy, safety, and soundness.

At Harbor Mortgage Company, we offer VA loans to those in Savannah, Bloomingdale, Fort Stewart, Garden City, Georgetown, Hinesville, Pooler, Port Wentworth, and Richmond Hill, Georgia, as well as Bedford, Carrollton, Colleyville, Coppell, Flower Mound, Grapevine, and South Lake, Texas.

Why Choose Harbor Mortgage Company?

Our mortgage specialists understand that the mortgage you receive doesn’t just make today’s dreams come true. Your mortgage is something that will affect your future for many years to come. Not getting the best mortgage rate or terms can have far-reaching consequences, so we’ll work diligently to help you make the best choices for today and your future.

See what some of our customers have said about our VA loans and other services.

Excellent

4.8

Louis Arcangelo

Dave Soderland and his staff are fantastic. Very knowledgeable and personable. They've been my go to since 2017.

Christy Lamica

The staff are phenomenal! Mr. David is a whiz when it comes to finding the best solutions to getting you what you need. Highly recommend!

Molly Atherton

Highly, highly recommend working with Mary Kay! She is incredibly professional, prompt, and friendly. She helped make the process easy to understand and was always willing to do whatever she could to get us the best rates. We will certainly work with her again for future opportunities!

Jim Reynolds

Great experience! David is great at what he does and I highly recommend his services. Very engaging and professional.

Mat Hare

I needed a mortgage and talked to Mary Kay. She is polite and friendly. And most importantly she knows exactly what to do, to make getting a mortgage simple and painless. She is a motivated individual who gets things done very fast. I highly recommend harbor mortgage for you new home. I would’ve given 10 stars if I could!!

Tre Horne

These guys were great with assisting me with my first home buying experience. They were understanding, helpful and even though we were not able to have many face to face interactions they kept me well informed and answered any questions or concerns I had promptly. The process was very smooth and they accommodated my busy schedule. I highly recommend.

Jake Ewonus

David was great. Friendly, experienced, and attentive. He explained all the options and helped us understand the process without being condescending. This was our second experience buying a house and was by far our best. I feel like a pro now.

Norris Henry

I really had forgot how long and cumbersome the process of taking a loan from application to closing really was be the team at Harbor Mortgage was so professional in doing the due diligence to making sure that all the i’s were dotted and the t’s were crossed. Jeff and Renee always stayed one step ahead of any anticipated or unanticipated glitches. They were on it. They kept me informed of everything I needed to produce in a manner that make the experience and transitions calm and peaceful.In closing, I would highly recommend a Harbor Mortgage to anyone for their financial needs. I certainly will use them again if ever the need arises. Thank you so so much and major kudos to Jeff & Renee. Thank you, Thank you, Thank you. I can’t say it enough.

Dwight Gustard

The unfortunate thing about this review is that I cannot give more than 5 stars.Let me just start by saying I have done a few RE transactions in the past and working with Mary Kay at Harbor Mortgage has been nothing but a pleasure.She provides information and feedback with requests from a knowledgeable point of view. I will continue to do business with HMC in the coming months.I highly recommend reaching out to them if you have questions

alex diaz

David was very genuine in seeking to get the job done somethings just didn't line up but at the end of the day I'm a homeowner and he made it happen preciate the work David.

Pauly Hart

We used Harbor Mortgage and they were great. Mary Kay sure knows her stuff for a new Savannah buyer. She diligently worked for us, holding our hands as we fumbled our way through this and that. If it wasn't for her education and determination, surely we would have not done well. I have rated this five stars because it is the maximum that google will allow. Were there seven more stars to add, I would gladly do it. You really can't go wrong trusting these fine people.

Michael Arcangelo

David and the team at Harbor Mortgage just closed my 5th and 6th loans with the company within a week of each other. He stayed late and worked weekends to put the deals together. David has always been relentless in finding me the best rate and terms for residential mortgages. I bring him the craziest deals, and he always comes up with a way to finance them. He and his staff are always extremely friendly and provide individual attention whenever I call. I won't look for a loan anywhere else. I recommend him to everyone! Thanks David!

evie5200

Excellent service and very caring. High integrity and the best all around experience to get your mortgage.

Geoffrey Price

I’ll admit that we had a rocky start trying to get ahold of them in the beginning, however, once we got ahold of them they’ve been nothing but wonderful to work with.We got our preapproval within a few hours and David has answered any and all questions that we’ve had. I may edit this once we’re all done but for now I’d recommend them to anyone looking to get a VA loan done.

samantha sykes

I could not have asked for a better mortgage broker, especially being a first time buyer. You really helped get me and my little family into a long lasting home that I didn't think would ever be possible and we couldn't be happier with the outcome. I realize that I am one of many for you but you really helped change our lives and I am extremely grateful.Soothing this plan a b c d e f... Planner's mind is not easy to do and you helped the entire process be as stress free as possible.I will recommend you to any and every one looking to buy a home. And should I ever look for another home you will be my first and only call!

Stoney Brown

Great staff, the most friendly group of people! We had a fabulous experience as first time buyers, every question answered, quick responses to any inquiries. Thinking of starting the home buying process?.. start with Harbor!

greta o

I was referred to harbor mortgage by a friend who used them with his first time buying a home 3 years ago and i couldn’t be happier with my experience with David and Renee! They helped me step by step of my home buying process and explained everything to me along the way!

James Croshaw

David and his team are extremely friendly, experienced and responsive, have a wide variety of attractive mortgage options to choose from, and just make it very easy.

Barbara Deloach

My husband and I experience with Harbor Mortgage Company was phenomenal. David and Renee were very pleasant and patient with us. There were some bumps in the process. David and Renee didn't give up on us and we made it to a successful end results. We will definitely recommend Harbor Mortgage Company and hope to use them again the future.

d-train thornton

The Absolute Best! If you want a company that will get you the best rate that you can afford, then David and his team are the people you need to contact. They will walk you through step-by-step (if needed), answer all your questions at all hours, and return your phone calls. Listen, this was not my first home purchase. I have had a few and there were a couple where I left closing feeling disappointed with the whole process. That is not the case with Harbor Mortgage. I felt like I was the one calling the shots and taking control of the whole process; Down to deciding which lender I would select to business with. I consider these guys like family. Don't waste precious time trolling the internet for mortgage rates. Don't get me wrong do your homework, but after you've done your part let the Harbor Mortgage team get you to the finish line with money in your pocket and a smile on your face.

Johnell Graves

I love Harbor Mortgage. They are one of the best mortgage companies if not the best in all Chatham County. I had the prefect portfolio. There was no reason why I wouldn't qualify to buy a home. Bank of America agent Kelly White prolong my loan for four months after I was pre-qualify for more than enough. Was it discrimination or racism? I don't know, but that's how I was beginning to feel. I met David and his team at Harbor Mortgage and told them what I was going through. They took my application. In less than one month we close on the house.

Larkin Martin

David and his team are amazing. I chose them to handle the purchase of my second home (after receiving excellent service with the first purchase several years prior). They were able to answer any and all questions I had quickly and professionally, and helped make the entire process smooth. I will definitely use them in the future!

Elizabeth Kaiser

Harbor Mortgage went out of their way to help us when we were first beginning our search for a new home. They gave great insight, and were always quick to return our calls.

Whitney Hess

Harbor Mortgage is a stand out company! Helped through the entire purchasing processes and made me feel at ease on purchasing my first home! Thanks to the harbor mortgage team and all you guys do!

Jonathan Waldrop

Harbor really does go above and beyond. You're not going to find better attention and care from a staff than here. It's family-oriented and you get a sense that they know you as people rather than as a "client". I'd suggest them to anyone.

Erin T

What a wonderful staff and great company! Super helpful

LYNN COLE

David and his staff and Renee work very hard to get my loan because I am self employed. They did a excellent job . They were awesome and wonderful. Heather Henderson