Most Competitive Pricing!
Most Competitive Pricing!
You’re Not Just
Buying a Home.
You’re Building
a Legacy.
You’re Not Just
Buying a Home.
You’re Building
a Legacy.
Whether you're buying your first home, refinancing, or unlocking your equity,
we make the process simple, strategic, and stress-free.
200+
Lender Options
20+
Years of Experience in Real Estate
14+
Loan Types
THE "SAVANT MORTGAGES" DIFFERENCE
THE
"SAVANT MORTGAGES"
DIFFERENCE
More Loan Options & Personalized Solutions
We work with 200+ lenders, giving you access to better rates, flexible terms, and tailored solutions that fit your financial situation instead of a one-size-fits-all approach.
Faster Approvals & Smoother Process
Unlike traditional institutions that may be slow and bureaucratic, we offer direct, hands-on service, ensuring your application moves quickly with fewer obstacles so you can secure your dream home without frustrating delays.
Lower Rates & Cost Savings
Since we have strong lender partnerships, we can negotiate lower fees and better rates, providing creative financing solutions that help you save thousands over time.
Always Here for Your Questions
Whether it’s early in the morning or late at night, we’re just a call, text, or email away. You’ll never feel alone, we respond quickly, provide clear answers, and guide you through every step so you can make confident decisions.
Long-Term Client Care
Our relationship doesn’t end when the ink dries. Even after you’ve moved in, we’re here to help with questions about your mortgage, future refinancing opportunities, or anything else you might need to keep your homeownership journey smooth and stress-free.
who we help
Helping Homebuyers, Homeowners, Business Owners & Investors Get Ahead Financially.
Homebuyers
(First-Time or Second Home)
Get expert guidance, low-down-payment options, and step-by-step support through every stage of the buying process.
Homeowners
(Need Cash or Flexibility)
Access your home’s equity with a cash-out refinance, consolidate high-interest debt, or fund life’s next big chapter, without selling.
Commercial
Property Buyers
We help business owners secure funding for income-generating properties with tailored loan structures and expert support.
Real Estate
Investors
We offer creative loan solutions for rental properties, second homes, and self-employed borrowers who need non-traditional options.
MEET Your TRUSTED Loan OFFICER
Dedicated to Your Homeownership Journey!
For over 20 years, Stephen Savant has been guiding individuals and families toward their dream homes with strategic, personalized real estate solutions designed to fit their financial goals. As a Mortgage Loan Officer, with a passion for helping individuals and families achieve their homeownership goals, Stephen brings a wealth of knowledge in real estate, lending strategies, and market insights, ensuring his clients receive exceptional service and unmatched expertise at every step.
OUR FOUNDER
Stephen Savant
Your Journey to Homeownership Begins Here!
BOOK A FREE CONSULTATION Instantly!
We don't push one-size-fits-all loans. You’ll get a personalized home financing strategy based on your credit, income, goals, and timeline.
You Need to Know These Before Buying a Home
Buying a home is exciting, but understanding the numbers behind it is what sets smart buyers apart.
Here are four key things you need to know before you make your move:
Debt-to-Income Ratio Can Go Up to 45%
Your Debt-to-Income (DTI) ratio tells lenders how much of your income goes toward debt. Many lenders allow a debt-to-income (DTI) ratio of up to 45%, meaning you don’t have to be completely debt-free to qualify for a mortgage. With the right balance of income and manageable debt, you can still be approved for the home you want.
Why it matters: A higher DTI gives you more flexibility than most buyers realize.
Closing Costs Are Around 1.5-3% of the Home Price
When you budget for your home, remember to set aside a little extra for closing costs, usually between 1.5% and 3% of the purchase price. This covers things like title services, lender fees, and legal paperwork to make the home officially yours. The great part? We’ll guide you through these costs ahead of time, so there are no surprises on closing day.
Good to know: Some programs let you roll these costs into your loan or negotiate with the seller to cover them.
You Don’t Need 20% Down to Buy a Home
One of the biggest myths in real estate is that you must have 20% down to buy a home. Not true! Many programs allow for much lower down payments, some as low as 3%, making homeownership more accessible. This means you can get into your new home sooner without waiting years to save.
✅ 3% down (Conventional loans)
✅ 3.5% down (FHA loans)
✅ 0% down (VA & USDA loans for qualified buyers)
Good to know: Many states offer down payment assistance programs to help you get started.
Lender Fees Can Work in Your Favor
Lender fees are part of almost any mortgage, but here’s the good news: they’re often built into the loan or even covered by the lender. And when they’re not? We work hard to make sure you get better rates and terms with us, so you’re still getting incredible value.
Good to Know: A loan with slightly higher lender fees can sometimes mean a lower interest rate, saving you more money in the long run.
Understanding APR is an advantage
Your APR (Annual Percentage Rate) is your “big picture” tool for comparing loans. It reflects both the interest rate and certain fees, giving you a clearer view of the total cost over time. This doesn’t affect your monthly payment, but it helps you choose the most cost-effective loan overall. We’ll walk you through APRs so you can make a confident, informed decision.
Why It Matters: Understanding APR ensures you’re comparing apples-to-apples when looking at loan offers, helping you choose not just the best-looking interest rate but the one that truly saves you the most money over the life of your mortgage.
Our Mortgage Services
FHA Loan
If your credit isn’t perfect or your savings are tight, an FHA loan can help you get into a home with a lower down payment.
Conventional
A solid choice if you have good credit and want competitive rates without government backing.
Home Equity Loan
Already own a home? Tap into its equity to finance renovations, debt consolidation, or big expenses.
VA Loan
If you’re a veteran or active military, this loan offers exclusive perks like zero down payment and better terms.
Fixed-Rate Mortgage
Want stability? Your interest rate stays the same, making budgeting easier.
Straight Refinance
Ideal for borrowers with stable finances. Lower your rate or access equity with a traditional refinance.
Cash Out Refinance
Replace your current mortgage with a larger loan and pocket the difference in cash for personal use.
Adjustable-Rate Mortgage (ARM)
Enjoy lower initial rates that adjust over time—ideal if you’re not planning to stay in one home for decades.
Commercial Loan
Financing for business properties, whether it’s an office, retail space, or investment real estate.
USDA Loan
Perfect if you’re buying in a rural area and want a mortgage with little or no down payment.
Jumbo Loan
Need a big loan for a luxury property? This covers amounts beyond standard limits.
Bridge Loan
Buying a new home before selling your current one? This short-term loan helps ease the transition.
Reverse Mortgage
If you’re 62 or older, this lets you convert your home’s equity into cash without immediate monthly payments.
Construction Loan
Planning to build your dream home? Funds are released as construction progresses.
DSCR Loan
Get approved based on your property's income, not your personal income. No doc, no hassle.
Land Loan
Looking to buy vacant land, lots, or acreage? This helps you finance undeveloped property for future building, investment, or recreational use.
We have all home loans. Just ask.
We have all home loans. Just ask.
We'll help you find the perfect financing solution that suits your needs.
How It Works?
You're Never Alone in the Process. Here's your step-by-step mortgage journey:
1
FREE Consultation
Let’s start with a quick conversation about your goals. Whether you're buying your first home, refinancing, or tapping equity—we’ll listen, answer questions, and guide you toward the best loan option.
2
Pre-Approval Application
We’ll help you complete a secure online application and collect basic documents like income, assets, and credit info. This helps us understand what you qualify for—and how to position you for success.
3
GET YOUR
PRE-APPROVAL LETTER
Once reviewed, we’ll issue your official Pre-Approval Letter. This shows sellers and agents that you're financially ready and serious. It can give your offer the edge in a competitive market.
4
FIND A REALTOR
(Optional, But Highly Recommended)
If you don’t have an agent yet, we can connect you with trusted local professionals who understand your market and can help you find the perfect home.
5
HOME SHOPPING
Now the fun begins! Use your pre-approval letter as your home-buying passport. Tour homes, make offers, and find the one that fits your lifestyle and budget.
6
CONTRACT SIGNED
You’ve found your dream home and your offer has been accepted, congrats! Now we officially kick off the mortgage process with a signed purchase agreement in hand.
7
LOAN PROCESSING
Behind the scenes, our team gets to work:
- Verifying documents
- Ordering the home appraisal
- Coordinating with title & escrow
- Prepping everything for underwriting
We’ll keep you informed and request anything else we may need.
8
LOCK THE LOAN
Once your loan is in motion, we’ll discuss interest rate options and lock in your rate to protect it from market fluctuations. Locking your rate means peace of mind.
9
FINAL APPROVAL
An underwriter reviews your full file. Once conditions are met, you’ll receive final approval. This means your financing is fully ready, pending closing!
10
CLEAR TO CLOSE
You’re almost at the finish line. We’ll issue the “Clear to Close,” and your final Closing Disclosure (CD) will be sent for review. Expect a call from us with final steps.
11
CLOSING DAY
Time to sign! You’ll meet with a notary or closing agent, sign all final documents, and you’re officially a homeowner! Funds are disbursed and keys are handed over.
12
POST-CLOSING DAY
- We’ll help you set up your first
mortgage payment
- Answer any lingering questions
- And stay in touch for future refinance
or investment opportunities
Ready to get started?
Ready to get started?
Let Savant Mortgages guide you, with expert advice, honest communication, and financing that fits your life.
Why Choose Savant Mortgages?
✔ Access to 200+ Lenders – We shop the market for you
✔ Tailored Mortgage Planning – Loans aligned with your lifestyle
✔ Clear Communication – You’ll always know where you stand
✔ We make sure deals get done.
✔ Trusted by Homeowners, Agents & Investors.
What Our Clients Say About Us
Rachel T.
I didn’t think I could qualify with my credit score, but Savant Mortgages made it happen. Steve explained everything clearly, compared lenders, and got me approved faster than I expected. I’m now a homeowner in Austin and couldn’t be happier!
Marcus & Elena G.
We were overwhelmed trying to buy our second home while juggling kids and work. Ma and her team simplified the entire process. They found us a great rate, broke down lender fees, and even helped us close early. Highly recommend!
Michael S.
I moved to Texas for work and needed a fast, reliable mortgage solution. Savant Mortgages delivered. They compared over 200 lenders, gave me options I didn’t even know existed, and made the whole thing stress-free. Total pros.
Rachel T.
I didn’t think I could qualify with my credit score, but Savant Mortgages made it happen. Steve explained everything clearly, compared lenders, and got me approved faster than I expected. I’m now a homeowner in Austin and couldn’t be happier!
Marcus & Elena G.
We were overwhelmed trying to buy our second home while juggling kids and work. Ma and her team simplified the entire process. They found us a great rate, broke down lender fees, and even helped us close early. Highly recommend!
Michael S.
I moved to Texas for work and needed a fast, reliable mortgage solution. Savant Mortgages delivered. They compared over 200 lenders, gave me options I didn’t even know existed, and made the whole thing stress-free. Total pros.
WhY BUY NOW?
If you’ve been dreaming about owning your first home, there’s no better time to make it happen.
Mortgage Interest Rates Are Still Friendly
While rates shift over time, they’re still lower than what buyers faced in many past decades. Securing a great rate today can save you tens of thousands over the life of your loan.
Prices Are Going Up
Home values are steadily climbing, which means the longer you wait, the more you might have to pay for the same home.
Renting builds someone else’s wealth, not yours
With a mortgage, you’re investing in your future and building equity that benefits you.
Acting now could mean better rates, more home for your money, and a faster path to financial independence. Even if you’re not “perfectly ready” in your mind, the right lender can help you find a plan that works for your budget and timeline.
Frequently Asked Questions
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate of how much you might be able to borrow, usually based on basic info you provide.
Pre-approval is more official: the lender verifies your income, credit, and assets, and gives you a conditional commitment. Sellers tend to prefer buyers with pre-approval because it shows you’re serious and ready.
What documents do I need to prepare for my loan application?
Think of it as creating a financial snapshot for your lender, being organized upfront can speed up the process.
If you're purchasing, you’ll want to have:
1. Latest 2 months bank statements (ALL PAGES) with balance sufficient to
cover down payment and closing costs.
2. Latest 1 month paystubs
3. Latest mortgage statements on all of your properties
4. HELOC statements if applicable
5. Current insurance statement on all of your properties
6. If W-2 employee: last year federal tax return and W-2
7. If self-employed, 2 years federal income tax return AND 2 years business
tax returns (if own 25% or more in the company).
For refinancing:
1. Latest 2 months bank statements (ALL PAGES)
2. Latest 1 month paystubs
3. Latest mortgage statements on all of your properties
4. Current insurance statement on all of your properties
5. If W-2 employee: last year federal tax return and W-2
6. If self-employed, 2 years federal income tax return AND 2 years business tax
returns (if own 25% or more in the company).
How much do I need for a down payment?
You don’t always need 20%! Depending on the loan type, you could put as little as 3% down, and in some cases, even zero. We’ll walk you through your options so you’re not stretching yourself too thin.
Do I need perfect credit to buy a home?
Not at all. While higher scores can get you better rates, there are plenty of loan programs for buyers with less-than-perfect credit. We’ll help you find the right fit for your situation.
Can I buy a home if I’m self-employed?
Yes! It just takes a little extra documentation to show your income. We’ve helped many self-employed buyers make it happen.
What is an APR?
The Annual Percentage Rate (APR) is the total cost of borrowing, expressed as a yearly percentage. Unlike your interest rate—which is just the cost of the loan itself—APR also includes certain fees and charges, giving you a more complete picture of what you’ll actually pay over the life of your mortgage.
Think of it this way:
Interest rate = the price tag on the loan.
APR = the price tag + the extra costs to get the loan.
What’s Included in APR?
APR factors in many of the up-front and ongoing costs of a mortgage, these are built into the APR, such as:
-Discount points and origination fees
-Loan processing and underwriting fees
-Document preparation fees
-Private mortgage insurance (PMI) if required
-Certain escrow-related costs
-Prepaid interest (interest paid from your closing date to month’s end)
What’s Not Included in APR
Not all fees make it into the APR. Costs like:
-Title or abstract fees
-Attorney fees (if applicable)
-Home inspection fees
-Recording fees and transfer taxes
-Credit report fees
-Appraisal fees
These are usually paid to third parties, not the lender, so they’re not part of the APR.
What is PMI (Private Mortgage Insurance)?
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year’s worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
What’s the first step in buying a home?
Start with getting pre-approved. This helps you know your budget and shows sellers you’re serious. Plus, it makes home shopping way less stressful.
How long does the home-buying process take?
From pre-approval to closing, it usually takes 30–45 days. But the sooner we start, the sooner you can get those keys in your hand.
Should I get a fixed-rate or adjustable-rate mortgage?
It depends on your plans. If you’re putting down roots, a fixed-rate might be better for stability. If you’ll move in a few years, an adjustable-rate could save you money. We’ll run the numbers for you.
What does it mean to lock the interest rate?
Locking your interest rate means your lender is guaranteeing that specific rate for a set period (usually 30–60 days) while your loan is processed. This protects you from market rate increases during that time. If rates drop before you close, ask your lender if they offer a “float-down” option so you can still benefit from the lower rate.
What is an appraisal?
An Appraisal is an estimate of a property’s fair market value. It’s a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an “Appraiser” typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
What happens at closing?
Closing is the final step, think of it as “homebuyer graduation day.” You’ll review and sign all the final paperwork, pay any remaining costs (like your down payment and closing fees), and receive the keys to your new home. It’s a lot of signatures, but also a big moment worth celebrating!
How much should I budget for closing costs?
Closing costs typically range from 1.5% to 3% of your home’s purchase price. They include things like lender fees, title insurance, and property taxes. Your lender will give you a Loan Estimate so you know exactly what to expect.
Didn’t find what you need?
We’re just a call away! Let’s talk.
Challenge Us!
Already have a
Loan Estimate or Closing Disclosure?
BEST PRICE GUARANTEE
If we can't beat another offer, you'll receive $1,000.
(Available in all states except Washington)
Challenge Us!
Already have a
Loan Estimate or Closing Disclosure?
BEST PRICE GUARANTEE
If we can't beat another offer, you'll receive $1,000.
(Available in all states except Washington)
Empowerment
Guiding, and uplifting every client.
Integrity
Honesty and transparency.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
Excellence
Top-notch services.
Choose a lender who supports your interest. Not a lender who uses people for self-interest.
FOLLOW US
QUICK LINKS
POLICY LINKS
CONTACT US
Copyright 2025. Savant Mortgages. All Rights Reserved.