Local people. A regional reach.

Augusta, Georgia & the CSRA

Augusta is our home base. Whether you are buying your first home, making your next move, or reviewing your current mortgage, start with a direct conversation with our team.

Looking for a reverse mortgage in Augusta? We can discuss eligibility, costs, alternatives, and the obligations that come with borrowing against your home equity.

Savannah, Georgia

We serve homebuyers and homeowners in Savannah. Tell us whether you are purchasing a home, relocating, refinancing, or exploring equity options so we can discuss the relevant next steps.

Richland County & Orangeburg, South Carolina

Our South Carolina service area includes Richland County and Orangeburg. Share the location of the property, your timeline, and your financing goal. Your loan options depend on your circumstances, the property, and the applicable program requirements.

Charleston, Beaufort, Fripp Island & the Lowcountry

We also serve Charleston, Beaufort, Fripp Island, and the South Carolina Lowcountry. If you are buying or refinancing a coastal property, ask how its intended use, property type, taxes, insurance, and any association dues affect the financing comparison.

For a retirement move or downsizing plan, ask about both traditional home loans and reverse mortgage purchase options. We can explain the differences and the borrower responsibilities.

Start with the financing you need

• Buying a home — discuss your budget, timeline, and cash needed at closing.
• Refinancing — compare loan terms, closing costs, and ongoing payments.
• Reverse mortgages — review eligibility, costs, and borrower obligations.
• Commercial lending — talk with Billy about a business or commercial property.

A reverse mortgage is a loan that must be repaid and reduces home equity over time. Borrowers remain responsible for property taxes, homeowners insurance, and maintenance. HECM borrowers must complete independent HUD-approved counseling, and proceeds may affect eligibility for need-based benefits.

These are communities we serve from our Augusta base. Contact us to discuss how we can work with you and whether an in-person meeting is available for your location.