FINANCING

FINANCING YOUR HOME

Considering financing a new home? Which loan type is right for you?

Buying a new home is likely one of the largest single investments you will make. If, like most people, you’d like to finance the home, you’ll want to speak to an approved lender, who can discuss which option would be best for you.

Your home loan options might include:

FHA

As little as 3.5% down and a credit score of only 580 make this loan type attractive to those without perfect credit. The mortgage insurance tends to be a little higher than other loan types, and lasts the duration of the loan.

CONVENTIONAL

Conventional loans tend to have stronger credit requirements, but also tend to have less mortgage insurance and fees. They can also be more flexible, allowing options such as: financing closing costs, "float-down rates", re-amortizing, or adjustable rate mortgages. These options let your approved lender tailor the loan to fit your specific needs.

USDA

This loan provides 100% financing and is backed by the US Department of Agriculture, but the home must be in a USDA designated rural area. USDA tends to have lower fees, as well, but has income limits. Your approved lender can give you better details of the qualifications.

VA

This loan provides 100% financing and is backed by the Veteran’s Association, but the borrower must have VA eligibility earned through US military service. If you aren’t sure of your eligibility status, your approved lender can help.

TOP MORTGAGE LENDERS

James Gay
BankSouth Mortgage

233 Davis Rd.
Suite A
Augusta, GA 30907
803.215.2412

Alan Rabun
State Bank Mortgage

2743 Perimeter Parkway
Bldg 100, Suite 100
Augusta, GA 30909
706.564.1588

Wade Ratke
SRP

1060 Sliver Bluff Road
Aiken, SC 29803
803.278.4851

Ellen Spivey
South State Bank

400 Mall Boulevard
Savannah, GA, 31406
912.658.5293

APPROVED LENDERS

Over the years serving our customers, we’ve established relationships with the best lenders in the area — all of whom we use to obtain our construction & development loans. Because this is so, these lenders have a vested interest in helping our buyers obtain mortgage loans, alongside a track record of excellent customer service and on-time closing.

Keep in mind, this is a limited list and some of our Approved Lenders may not be listed. Additionally, Keystone does not receive any compensation for encouraging buyers to use these lenders. To find out which type of loan is right for you, get pre-approved quickly, and determine your home budget, contact any of our Approved Lenders below.

For more information regarding or our full list of approved lenders please email us at hello@buildkeystone.com.

AUGUSTA / AIKEN AREAS

State Bank & Trust
2743 Perimeter Parkway Bldg 100 Suite 100
Augusta, GA 30909
706.821.6000

Queensborough Bank & Trust
4226 Columbia Rd
Martinez, GA 30907
706.863.2000

Synovus
3706 Wheeler Road
Augusta, GA 30909
706.447.3018

South State Bank
3515 Wheeler Road, Bldg A
Augusta, GA 30909
706.739.1780

First Community Bank
3638 Walton Way Ext.
Augusta, GA 30909
706.396.2523

Security Federal
315 E Martintown Rd
North Augusta, SC 29841
803.442.2104

STATESBORO / SAVANNAH AREAS

Synovus
2 East Main Street, First Floor
Statesboro, GA 30458
912.489.9284

Queensborough Bank & Trust
201 South Main Street
Statesboro, GA 30458
912.764.6600

South State Bank
6605 Abercorn Street
Savannah, GA 31405
912.355.9902

State Bank
138 Canal Street, Suite 204
Pooler, GA 31322
912.927.8282

Ameris Bank
605 Hwy 80 West
Pooler, GA 31322
912.629.1630

HOME LOAN CALCULATOR

Know what you and your family can afford — calculate your mortgage loan amount below!

*Number does not include taxes or insurance. Numbers may vary based on location, credit score, loan amount, down payment, loan type, terms, and interest rate. Interest rates change constantly.*

WORTH
THE WAIT

Build your dream home with Keystone in 90 - 120 days!

BUILD ON
YOUR LAND

Not satisfied with neighborhood living? Looking for more space for your family? We can take care of that!