Mortgage Rates, Savannah, GA

Let us guide you through what factors affect mortgage rates.

When most people are considering purchasing a home, one of the things they focus on is what mortgage rates are like at that time. At Harbor Mortgage Company, we want you to know that, while mortgage rates are an important factor, the terms of the mortgage can be even more critical to understand. We look at the process from all perspectives, so you do not get a surprise down the road that you didn’t anticipate.

Clearly, mortgage rates affect your payment. That is why so many people end up refinancing when the current rate is significantly lower than when they first obtained their mortgage. Right now, we are looking at historically low mortgage rates, so it is a good time to purchase a home or refinance an existing mortgage. Another situation where you might want to refinance is if you have a higher interest rate due to a low credit score when you obtained the mortgage but have significantly improved it since then and could qualify for a lower rate now.

A stand-out company!

“Harbor Mortgage Company is a stand-out company! They helped me through the entire purchasing processes and made me feel at ease on purchasing my first home! Thanks to the Harbor Mortgage Company team and all you guys do!”

★★★★★ 22^th August 2018 Whitney H.

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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.

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We make mortgages simple and hassle-free!

Whether you are in need of guidance to obtain a mortgage for the purchase of your primary home, vacation home, or investment property, or you would like to investigate a refinance mortgage to lower your monthly payment, don’t hesitate to reach out to us. We are happy to walk you through what factors affect mortgage rates and what you might be able to do to qualify for a lower rate. We’ll also ensure you understand the other terms that can be even more important than the mortgage rate. Contact us today to schedule a consultation at our Savannah, Georgia office.

FAQs About Mortgage Rates

If you need a mortgage, one of the things you may want to know about is what kind of mortgage rate you can get. Below, we’ve answered some common questions we receive about mortgage rates along with their answers.

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How can I get the best mortgage rate?

When you apply for a home loan, you can get a better mortgage rate by increasing your down payment and improving your credit score. Shopping around for the best possible mortgage through a broker also helps.

Will my mortgage rate change?

If you secure a fixed-rate mortgage, your mortgage rate will not change throughout the duration of your loan. However, if you go with another type of mortgage, your mortgage rate may be variable and adjust based on market conditions.

When should I refinance?

Whether or not you refinance is entirely up to you. However, many people prefer to refinance when mortgage rates drop, so they can pay less overall on their home loan.

What makes your mortgage company different?

Our mortgage company is committed to helping you get the best possible deal on your mortgage. We’re also known for our great customer service, and we will happily answer any questions you have about the lending process.

How do I apply for a new mortgage?

Start by filling out our loan application. If you have any questions along the way, our mortgage experts are here to provide further information.

At Harbor Mortgage Company, we offer great mortgage rates 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 mortgage 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