Savannah mortgage advisor

A focused first conversation.

1. Share the scenario. New construction in one of Savannah's villages, a resale, or a refinance — amenity communities bring HOA dues and appraisal patterns worth discussing up front.
2. Organize the file. Income, assets, ID, and construction documents if a builder is involved — so the comparison runs on facts.
3. Clarify the next move. Know what still needs review — deadlines, dues, or documentation — before you make an offer.

What Tony asks before you make an offer in Savannah.

1. Scenario. Is this a primary home, or are you refinancing? Are you comparing several builders' offers against outside financing, or weighing a new-build against a resale in an older village? In an amenity-driven community, the scenario includes the HOA picture — dues factor into the monthly budget lenders review.
2. Timeline. Are you touring models now, planning to offer this month, or working toward a later move? New construction brings an estimated completion date and financing or rate-lock deadlines — and deadlines can vary sharply from one village to the next.
3. Buyer type. First-time buyer, repeat buyer, veteran, self-employed, or purchasing with a co-borrower — each path can change the documents and questions that come next. Buyer type is context, not a verdict.
4. Down payment range. Share the range you're considering and the funds you expect to use — savings, gift funds, or proceeds from a sale. Tony will identify what must be documented and whether reserves, gift paperwork, or HOA dues need a closer look.
5. Builder details. For a Savannah new-construction offer, capture the base price, options, earnest money, lender or title-company conditions, incentive expiration, and estimated completion. Buyers here often hold two or three builder worksheets at once — getting each one in writing is what makes a real comparison possible.

New construction: compare more than the incentive.

Considering a builder-affiliated lender or title company? Put the entire offer side by side. An incentive can be valuable, but the contract, closing costs, lock timing, and qualification requirements still matter.

• Sales contract. Price, upgrades, earnest money, and completion estimate — documented in writing.
• Incentive conditions. Who must provide financing or title services, and when the offer expires.
• Closing picture. Estimated cash to close, documented funds, credits, and timing changes.
• Plan B. What happens if construction runs long, a lock expires, or your situation changes.

Local note: Savannah's appeal is its amenity package — pools, trails, lakes, sports — and that package comes with HOA dues on a regular schedule. Factor the dues into your monthly budget picture from the start, not as an afterthought. And because the community sits off the main 380 corridor near Aubrey, map your real commute alongside the construction timeline before locking in a long build.

A plain-English document checklist.

• Pay stubs — recent records showing your employer, pay period, and year-to-date income.
• W-2s or 1099s — recent annual income records that match how you're paid.
• Bank statements — recent, complete statements for the funds you expect to use; keep every page.
• Government-issued ID — a current photo ID; share sensitive documents only through an approved secure channel.

Savannah mortgage questions, answered directly.

How should I compare new construction with a resale home in the Savannah community?

Compare the full financing picture, not just the advertised incentive. A new-build in an active village may include builder credits and a completion date months out; a resale in an established village brings a quicker timeline and known HOA dues — but possibly older finishes and repair or appraisal considerations. Ask for price, incentive terms, closing costs, dues, and rate-lock timing. This page does not quote rates.

What documents may a self-employed buyer need for a Savannah mortgage prequal?

Start with identification, recent personal and business tax returns when applicable, year-to-date profit-and-loss information, recent bank statements, and 1099s. The exact request depends on the loan program, business structure, ownership percentage, and income pattern.

What is the difference between a prequal and a preapproval for a Savannah home purchase?

A prequal is an early conversation based on the information you provide. A preapproval generally includes a more complete review of income, assets, credit, and supporting documents. Neither is a final approval or a commitment to lend.

A named advisor. A clear line of contact.

Tony Botchev — Mortgage Loan Originator, serving the Savannah community, TX. Call or text +1-945-300-4002, or email info@dfwhome.loans. NMLS #114198, sponsored by The Loan Factory · NMLS #320841. Office: 3333 Preston Rd Ste 300 #1570, Frisco, TX 75034. Equal Housing Opportunity.