Clear2 Mortgage is licensed in Georgia and serves Savannah buyers across purchase and refinance transactions. Whether you are buying near Fort Stewart, investing in the Historic District, or relocating for work, we bring wholesale rates and 30-day closings to every deal.
Savannah is not a single market. The Historic District commands premium prices with investor and lifestyle demand, while Southside neighborhoods serve a steady stream of military families from Fort Stewart and Hunter Army Airfield. Chatham County's broader market has added inventory and given buyers more room to negotiate than they have had in several years.
Clear2 is licensed in Georgia and serves Savannah buyers remotely with the same wholesale access and process discipline we bring to every market. As an independent broker, we shop 50+ wholesale lenders to find rates and programs that retail banks cannot match. Our team understands VA loan requirements, Georgia Dream down payment assistance, and the investor-specific programs that matter to buyers looking at the Historic District and Starland.
We close in 30 days or less. In a market where sellers are watching days-on-market closely, a clean pre-approval and a lender with a track record is a real advantage.
Igor Berkovich works with buyers across purchase and refinance transactions, bringing a structured and detail-oriented approach to each loan. He is focused on clear communication and helping clients move efficiently from pre-approval to closing.
With access to 50+ wholesale lenders, Clear2 offers every loan program available in Georgia, including programs many Savannah buyers don't know they qualify for.
Fort Stewart and Hunter Army Airfield make Savannah one of Georgia's strongest VA loan markets. $0 down, no PMI, competitive wholesale rates for eligible veterans and active-duty families.
Chatham County's FHA limit is $541,287, well above the $350K median. Most Savannah buyers don't come close to the limit. 3.5% down, flexible credit, strong fit for Midtown and Southside buyers.
Down payments as low as 3%. No PMI at 20% down. Works across all Savannah price ranges, from Southside starter homes to Ardsley Park move-up purchases.
Qualify on rental income, not personal income. No tax returns required. Strong fit for Historic District and Starland District investors. Note: verify current City of Savannah STR permit status before purchasing for short-term rental income.
12 to 24 months of bank statements in place of tax returns. Designed for self-employed buyers and lifestyle relocators with non-W2 income who may not qualify through conventional underwriting.
Georgia Dream offers up to $10,000 in down payment assistance in Chatham County. The Peach Advantage program (July 2025) extended DPA eligibility to conventional buyers. Ask us what you qualify for.
Access up to 90% CLTV with a revolving line of credit. Interest-only draw period, flexible repayment. Perfect for renovations, debt consolidation, or big expenses.
Savannah's market is bifurcated. The Historic District and Ardsley Park command premium prices with limited negotiating room. Most of Chatham County has softened, giving buyers time and inventory they haven't had in years. Here is what that looks like on the ground.
Antebellum architecture, cobblestone streets, and Savannah's highest short-term rental permit demand. Prices range from $500K to well over $2M. Conventional and jumbo loans in play. Investor buyers should note: STR permits in the Historic District have been actively changing. Verify current City of Savannah regulations before purchasing for rental income.
Savannah's first suburban neighborhood, known for Colonial Revival and Craftsman bungalows. Median near $678K. Strong demand from young professionals and families. Conventional loans are the primary fit here.
Established neighborhoods near shopping and medical facilities. An accessible price range that appeals to owner-occupants and long-term rental investors alike. FHA and conventional both work well across the Midtown price spectrum.
Savannah's arts and creative quarter, adjacent to SCAD. Attracting young professionals and investors who see early-stage appreciation potential. DSCR financing is common for investors entering this corridor.
The primary military family relocation zone, with proximity to Fort Stewart and Hunter Army Airfield driving consistent demand. Price range of $220K to $380K is squarely within VA loan territory. VA loans dominate purchase activity here.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
What credit score do I need to buy a home in Savannah?
Most conventional loans require a minimum 620. FHA allows 580 with 3.5% down. VA loans have no minimum credit score set by the VA, though individual lenders set their own guidelines. Clear2 works with multiple lenders and can often find options outside those standard ranges.
Is Savannah a good market for investment properties?
Savannah has strong long-term fundamentals driven by tourism, the Port of Savannah, and Hyundai's EV plant in Bryan County. DSCR loans let investors qualify on rental income rather than personal income, which is useful for Historic District and Starland acquisitions. If you plan to use the property as a short-term rental, verify current City of Savannah STR permit rules before purchasing, as regulations in the Historic District have been changing.
Can military families use VA loans near Fort Stewart?
Yes. Fort Stewart and Hunter Army Airfield generate some of the strongest VA loan demand in Georgia. VA loans offer $0 down, no PMI, and competitive rates. Southside Savannah and Georgetown are the primary relocation areas for military families, with homes in the $220K to $380K range that fit squarely within VA loan parameters.
What is driving Savannah's economic growth?
Two major drivers give Savannah durable economic tailwinds beyond tourism. The Hyundai EV plant in nearby Bryan County brought thousands of direct and indirect jobs to the region. The Port of Savannah is one of the fastest-growing container ports in the country, supporting a broad range of logistics and industrial employment. Both represent long-term demand anchors for the housing market.
Are there first-time buyer programs in Chatham County?
Yes. Georgia Dream offers up to $10,000 in down payment assistance to eligible first-time buyers in Chatham County. As of July 2025, the Peach Advantage program extended DPA eligibility to conventional loan buyers who did not previously qualify. Ask Clear2 which programs you are eligible for based on your income, purchase price, and loan type.
Does Clear2 lend in Georgia?
Yes. Clear2 Mortgage is licensed in Georgia (Company NMLS #1911663) and serves Savannah buyers remotely. Our team handles purchase and refinance transactions across the state. Reach us at (248) 970-0040, Monday through Friday, 9am to 6pm ET, or get started with a rate quote online.
Can I get a HELOC in Savannah?
Yes. Clear2 offers HELOCs up to 90% combined loan-to-value (CLTV) in Georgia, including Savannah. You can draw on the line as needed during a 10-year draw period and make interest-only payments. It's a strong option for homeowners looking to fund renovations, consolidate high-interest debt, or cover major expenses without refinancing. See our full HELOC program details.
No obligation, no hard credit pull. Just a clear picture of what you qualify for from a team that knows Georgia's loan programs and closes in 30 days.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
