Savannah, GA VA Home Loans

Savannah is one of the busiest VA markets in Georgia. Hunter Army Airfield sits inside the city limits, Fort Stewart is a 45 minute drive down I-95, and Coast Guard Air Station Savannah shares the Hunter flight line. Add one of the largest veteran populations on the Georgia coast and you have a market where the VA loan is the everyday way to buy. We price VA loans through multiple wholesale investors and show you a live rate up front, so you can compare in one place instead of calling bank after bank.

Whether you are PCSing to Hunter, separating and staying on the coast, or refinancing a VA loan you already have, start with the quote buttons above. You will see today's VA rate, APR, payment and closing costs for your own numbers in about two minutes, with no obligation.

Hunter Army Airfield covers about 3,500 acres inside Savannah and has one of the longest runways in the Army at 11,375 feet, long enough that it once served as an alternate landing site for the Space Shuttle. It is a sub-installation of Fort Stewart and home to the 3rd Combat Aviation Brigade of the 3rd Infantry Division, the 1st Battalion, 75th Ranger Regiment, the 3rd Battalion, 160th Special Operations Aviation Regiment, and Coast Guard Air Station Savannah. Roughly 5,500 soldiers, airmen, Coast Guardsmen and Marines work on the installation.

Fort Stewart, about 45 miles southwest at Hinesville, is the largest Army installation east of the Mississippi and the main body of the 3rd Infantry Division, with around 15,000 active-duty soldiers and 16,000 family members. Many Stewart families choose to live in the Savannah area for spouse employment, schools and the coast, which keeps steady VA demand in Richmond Hill, Pooler and the west side of the county.

Savannah's economy adds another layer of stability for buyers. The Port of Savannah is one of the busiest container ports in the country, Gulfstream builds business jets next to the airport, and the Hyundai Metaplant in nearby Ellabell (Bryan County) announced a $2.7 billion expansion in 2025 that adds about 3,000 more jobs. That mix of military, logistics, aerospace and manufacturing supports resale demand for the home you buy today with your VA benefit.

Chatham County is home to about 20,900 veterans, with another 8,400 inside Savannah city limits, so local agents, appraisers and closing attorneys handle VA transactions every week. Combined with our VA-only focus, that means a smooth process from Certificate of Eligibility to closing table.

Most active-duty service members, veterans, National Guard and Reserve members, and eligible surviving spouses can use the VA home loan benefit. General service requirements are 90 continuous days on active duty during wartime, 181 days during peacetime, or six years in the Guard or Reserves, though your specific situation is what matters and we can help you confirm it.

Eligibility is documented with a Certificate of Eligibility (COE), and in most cases we can pull yours for you. Rangers and aviators at Hunter often have deployment-heavy records; if your service dates are complicated, tell us and we will sort out the COE. The VA sets no minimum credit score, and VA loans allow more flexible debt-to-income ratios than most conventional loans, which is a big reason so many Savannah buyers qualify when they might not elsewhere. The home must be your primary residence.

1. Get your live quote. Use the Purchase, Refinance, or Cash-Out buttons above to see a real VA rate and closing-cost estimate built around your credit, price range and funding fee status, with no obligation.

2. Get pre-approved. We verify your income and assets and pull your Certificate of Eligibility so you can shop Savannah with confidence.

3. Find your home. Make an offer in Pooler, Richmond Hill, Rincon, the Islands or downtown knowing exactly what you can afford, and use the VA's flexible seller-concession rules to negotiate closing costs.

4. VA appraisal. A VA-assigned appraiser confirms the home value and that it meets minimum property requirements.

5. Underwriting and closing. We finalize your loan and you close, often with little or nothing due at signing thanks to the zero-down VA benefit.

If you have your full VA entitlement, there is no VA loan limit in Chatham, Bryan or Effingham County: you can borrow as much as you qualify for with no down payment. Loan limits only come into play with reduced entitlement (for example, an active VA loan you are still paying on), in which case the county conforming limit applies. For 2026 that figure is $832,750 across all Georgia counties, and none of the Savannah metro counties is designated high cost.

Most VA borrowers also pay a one-time VA funding fee, which can be rolled into the loan. In 2026 it is 2.15% for a first-use purchase with less than 5% down, 3.3% for subsequent use, and just 0.5% for a VA streamline refinance (the Interest Rate Reduction Refinance Loan). It is waived entirely for veterans receiving VA disability compensation and for many surviving spouses. Our quote tool asks about both so your closing costs are priced correctly the first time.