Home purchase and refinance mortgages in Augusta, GA

Buying your first home or your next home

Tell us where you hope to buy, when you plan to move, and what matters to you. We can discuss financing options and explain the steps from an initial conversation to an application.

• Discuss your budget, down payment, and cash needed at closing.
• Compare loan options and the total monthly payment.
• Learn which income and financial documents may be needed.
• Ask about the preapproval process and your purchase timeline.

Your first home

Start with a few clear questions.

You do not need to know every mortgage term before you talk with us. Start with these four steps.

1. Set a comfortable budget

   Consider the monthly payment, property taxes, insurance, and other housing expenses. A loan amount alone does not tell you the full cost.

2. Ask about preapproval

   Find out what the lender reviews and what conditions apply. A preapproval letter can help you shop for a home; it is not a guaranteed loan offer.

3. Prepare your documents

   Ask which income, asset, and other documents are needed and how to provide them securely. The requirements depend on your circumstances and the lender.

4. Compare the numbers

   Review the Loan Estimate, including the payment, closing costs, and estimated cash to close. Ask about anything you do not understand.

Learn more: CFPB preapproval guidance and Loan Estimate explainer.

Reviewing your current mortgage

Start with what you want to change about your existing loan. We can help you compare proposed financing with your current mortgage and understand the costs and tradeoffs.

• Review your current balance, payment, rate, and remaining loan term.
• Discuss your goals and how long you expect to keep the home.
• Compare closing costs, monthly payments, and total loan costs.
• Consider how a new loan term would affect your repayment timeline.

Refinancing involves costs. A lower monthly payment does not necessarily mean a lower total cost. Review the CFPB’s refinancing questions as you prepare to compare options.

Explore your loan options

• Conventional mortgages — explore financing for a home purchase or refinance.
• FHA, VA, and USDA programs — learn about government-backed mortgage categories.
• VA loans near Fort Gordon — for service members, veterans, and military families.
• First-time homebuyer programs — Georgia Dream, SC Housing, and how to get started.
• Alternative documentation and Non-QM options — discuss questions about self-employment and other income sources.

Program availability and eligibility depend on the borrower, property, lender, and loan requirements.

Prepare for your conversation

Bring your questions and an outline of your plans. A useful starting point is your location, timeline, budget, and income sources. For a refinance, have your current mortgage details available.

• Which options should I compare for my goals?
• What would I need at closing, and what would the total monthly payment include?
• Which fees and loan terms should I review?
• What documents would be needed, and what happens next?

For additional educational information, visit the Consumer Financial Protection Bureau’s homebuyer resources.