Business Details
23 Years
experience
Your Trusted Mortgage Broker in Rincon, GA
Established in 2003, Savannah River Mortgage has been providing dependable mortgage assistance to clients across Georgia. Owned and operated by Chriss Allen and Scott Morgan, our local brokerage specializes in personalized mortgage solutions for home purchases and refinancing. We offer a range of loan programs including conventional, FHA, VA, USDA, and jumbo mortgages. Our commitment to community engagement and client-focused service ensures a seamless mortgage experience.With over two decades of combined expertise, we prioritize transparency, efficiency, and tailored financial guidance. Our team maintains active communication throughout the process, leveraging both in-person and digital tools to accommodate client needs. Licensed by the Georgia Residential Mortgage Licensee and registered with NMLS, we uphold industry standards while fostering trust through consistent, ethical practices.
Services
Conventional Home Loans
FHA Mortgage Loans
VA Mortgage Loans
USDA Home Loans
Jumbo Mortgage Financing
Details
- Year established: 2003
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial goals.
- Our team provides prompt, transparent communication throughout the loan process.
- We maintain Georgia Residential Mortgage Licensee compliance and NMLS registration.
- We combine 20+ years of combined industry experience with local market knowledge.
- We prioritize community engagement and ethical lending practices.
Associations and certifications
- NMLS
What people say
Extremely helpful
Made the process simple
Crazy-fast turnaround
Always prompt
Highly recommend
Services
Conventional Home Loans
Conventional home loans provide fixed or adjustable-rate financing for primary residences, investment properties, or second homes. These mortgages follow guidelines set by Fannie Mae and Freddie Mac, offering competitive rates for borrowers with strong credit profiles. Our team helps clients navigate down payment requirements, loan terms, and eligibility criteria to secure optimal financing solutions.
FHA Mortgage Loans
FHA loans offer low down payment options (as low as 3.5%) for first-time homebuyers and those with moderate credit scores. Backed by the Federal Housing Administration, these mortgages provide accessible pathways to homeownership. We guide clients through FHA-specific requirements, including property inspections and mortgage insurance premiums.
VA Mortgage Loans
VA loans provide zero-down payment options for eligible veterans, active-duty service members, and surviving spouses. These mortgages eliminate private mortgage insurance requirements while offering favorable interest rates. Our specialists assist with VA entitlement verification, certificate of eligibility processing, and streamlined refinancing options.
USDA Home Loans
USDA loans offer 100% financing for homes in designated rural areas, targeting low-to-moderate income borrowers. These zero-down mortgages include subsidized interest rates and reduced guarantee fees. We help clients determine property eligibility, income limits, and application processes for USDA Rural Development programs.
Jumbo Mortgage Financing
Jumbo mortgages cater to high-value properties exceeding conventional loan limits. These non-conforming loans require strong credit profiles, larger down payments, and thorough financial documentation. Our brokers connect clients with specialized lenders offering competitive rates for luxury homes and unique real estate investments.
People
Chriss Allen
Co-Owner
Chriss Allen co-owns Savannah River Mortgage, bringing extensive mortgage industry experience. He prioritizes client satisfaction through transparent communication and personalized loan solutions. His commitment to community engagement enhances local trust in the brokerage's services.
Scott Morgan
Co-Owner
Scott Morgan co-founded the company with a focus on simplifying mortgage processes for first-time buyers and refinancers. His expertise in loan programs and fast turnaround times ensures efficient service delivery across Georgia's housing market.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA, and jumbo mortgage loans to meet diverse home financing needs across Georgia.
How long does the mortgage approval process take?
Our average approval timeline ranges from 15-30 days, depending on loan type and documentation completeness.
Do you serve clients outside Rincon, Georgia?
Yes, we provide mortgage services statewide through in-person meetings, online platforms, and phone consultations.
Can first-time homebuyers qualify for special programs?
Yes, we specialize in FHA loans and other programs designed for first-time homebuyers with lower down payment requirements.
Are your mortgage rates competitive?
We maintain relationships with multiple lenders to secure competitive rates tailored to each client's financial profile.
How do I start the mortgage application process?
Begin by completing our online application or contacting us directly to discuss your home financing goals and documentation requirements.
