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Mortgages in Savannah, GA

How Much Home Can You Afford?

The Mortgage Lending Process

Before you can begin your search for a new home, it is important for you to understand the lending process and how much home you can actually afford to purchase. Your REALTOR® can help put you in contact with a lender who can help you determine this amount.  Here are some of the basics on the mortgage financing process and how to get started. 

What is Pre-qualification?

Pre-qualification is an informal discussion between a lender and you.  The lender estimates the amount that you can borrow based solely on what you tell them about your income and assets.  The lender does no verification and is not bound to make the loan when you are ready to buy.

However, understanding your position with "how much home you can afford" will help you in determining what price range you can use to start your home search.  This will prevent you from the disappointment of finding a home of your dreams only to find out that it is not within your affordability price range.  

Why is Pre-approval Better?

To a seller, a lender's pre-approval letter is considerably stronger than a pre-qualification letter.  Loan pre-approval is based on documented and verified information regarding your employment, your income, your liabilities, your assets and the cash you have available to close on a home purchase.  If a seller  knows your financing is secure, your offer is stronger.  Pre-Approval also gives you peace of mind as you shop for a home, knowing that you will qualify for the required mortgage amount.

Coldwell Banker is pleased to provide mortgage professionals who are dedicated to meeting your unique home financing needs. These lenders complement Coldwell Banker to bring you a full-service solution. 

With a variety of loan products our Mortgage Professionals know they can find the ideal loan for your specific needs. Contact one today!

Adam Hart (NMLSR #455190)
Branch Manager
Apply or Contact Adam

Padraic Robertson (NMLSR #904786)

Loan Officer
Apply or Contact Padraic


Preston Laird (NMSLR #891696)
Loan Officer
Apply or Contact Prestion
Eric Glick (NMLSR # 544398)
Senior Loan Officer
Apply or Contact Eric






Contact Information


Savannah Office
Ph: (912) 352-1222

6349 Abercorn St.
Savannah, GA 31405

© Coldwell Banker Platinum Partners Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate Corporation. An Equal Housing Opportunity. Independently Owned and Operated.

© Coldwell Banker Real Estate LLC. A Realogy Company. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office is Independently Owned and Operated. Coldwell Banker®, the Coldwell Banker Logo, Coldwell Banker Previews International® and the Coldwell Banker Previews International Logo, are registered service marks owned by Coldwell Banker Real Estate LLC.