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Browse mortgage lenders serving St Simons Island, Georgia. Contact information and addresses listed below.
16 agents listed
Updated May 2026
St Simons Island, GA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Georgia before hiring.
Showing 16 mortgage lenders in St Simons Island, GA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
LendLogic - St Simons Island
1607 Frederica Rd suite 102, St Simons Island, GA 31522
9122684064
Stephen Moreno, IV - Capital City Home Loans
621 Ocean Blvd, St Simons Island, GA 31522
9127712115
Lendingchics at Bank of England Mortgage
2483 Demere Rd Suite 201, St Simons Island, GA 31522
5132255297
Ameris Bank
3811 Frederica Rd, St Simons Island, GA 31522
9126341270
Somerset Mortgage Corporation
1607 Frederica Rd #201, St Simons Island, GA 31522
9122307700
United Community
2461 Demere Rd, St Simons Island, GA 31522
9126387118
Capital City Home Loans
621 Ocean Blvd, St Simons Island, GA 31522
9126383005
Truist
501 Sea Island Rd, St Simons Island, GA 31522
9126387966
First Horizon Bank - St Simons Island, GA - Frederica Rd
3509 Frederica Rd #1, St Simons Island, GA 31522
9122686300
Mark North - Ameris Bank Mortgage
3811 Frederica Rd, St Simons Island, GA 31522
4043877273
St. Simons Bank & Trust
100 Island Professional Pk Suite 100, St Simons Island, GA 31522
9126381190
Cornerstone First Mortgage NMLS#173855
1700 Frederica Rd STE 106, St Simons Island, GA 31522
9123422401
Best Life Home Loans
5500 Frederica Rd Suite 1219, St Simons Island, GA 31522
9127716224
Synovus Bank
401 Sea Island Rd, St Simons Island, GA 31522
8887966887
Southeastern Bank
21 Market St, St Simons Island, GA 31522
9123572265
SWBC Mortgage St. Simons Island
507 Ocean Blvd Ste 202, St Simons Island, GA 31522
6788225342
Mortgage lenders on St Simons Island Georgia help home buyers and homeowners secure financing for residential properties. Georgia law requires lenders to be licensed through the Georgia Department of Banking and Finance. Local lenders understand the unique coastal real estate market and can guide you through the loan process from pre approval to closing.
What Does a Mortgage Lender in St Simons Island Cost?
Typical costs for a mortgage lender in Georgia include an origination fee of 0.5 to 1 percent of the loan amount plus third party fees for appraisal title search and credit report. These third party fees usually range from 500 to 1500 dollars. Georgia also requires a mortgage recording tax of 0.10 per 100 dollars of the loan amount. Note that this is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Georgia?
You typically need pay stubs tax returns bank statements and a government issued ID. Georgia lenders may also require a property survey and proof of homeowners insurance. The exact list depends on your loan type and lender requirements.
How long does a mortgage closing take in Georgia?
A typical mortgage closing in Georgia takes 30 to 45 days from application to funding. Georgia law does not set a specific closing timeline but most lenders aim for 30 days. Delays can occur if appraisals or title searches take longer than expected.
Are there special mortgage programs for Georgia first time home buyers?
Yes the Georgia Department of Community Affairs offers the Georgia Dream program for first time buyers. This program provides down payment assistance and lower interest rates. Eligibility depends on income and purchase price limits set by the state.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Georgia.