Serving Hephzibah · Richmond County, GA
Mortgage Broker in Hephzibah, GA
Hephzibah sits on the south side of Richmond County, just off Fort Gordon's southern boundary. It offers something the urban core can't — bigger lots, more room, and more affordable price points — which draws military families, first-time buyers, and folks who want a little land without leaving the Augusta area.
First Choice Mortgage · 217 Davis Road, Augusta GA 30907 · NMLS# 148371
Local market snapshot
Two programs do most of the work in Hephzibah. For the many veterans and active-duty households here, the VA loan means $0 down and no PMI. And because parts of Hephzibah fall inside USDA-eligible rural boundaries, some buyers can finance 100% of the price with a $0-down USDA loan — we'll pull the USDA map for your exact address and tell you in minutes.
FHA is the third path, for buyers who want a low 3.5% down payment. Whichever fits, you'll deal with a local loan officer who knows south Richmond County, not a call center.
30+
Years closing loans in the CSRA
Local & independent
Broker on Davis Road — not a call center
GA & SC
Licensed on both sides of the river
NMLS# 148371
GRMA# 5819 · Equal Housing Lender
Loan programs that fit Hephzibah
The right loan for Hephzibah buyers.
As an independent broker we shop dozens of lenders and match the program to you. Here's where most Hephzibah buyers start.
Lead program here
VA Loans
$0 down and no PMI for Hephzibah's military and veteran households.
Explore VA Loans →
USDA / Rural
100% financing on the many USDA-eligible addresses here.
Explore USDA / Rural →
FHA / First-Time Buyer
3.5% down for first-time buyers.
Explore FHA / First-Time Buyer →
Conventional
For buyers with strong credit outside the USDA footprint.
Explore Conventional →
Your local office
Serving Hephzibah from Davis Road since 1992.
You'll work with the same loan officer from application to closing — a real person here in the CSRA who knows the Hephzibah market, the appraisers, and the agents.
Nearby areas we serve
Buying near Hephzibah?
Ready to buy in Hephzibah?
Two minutes to start. No credit pull until you're ready. We'll come back with a real rate range and the right program for Hephzibah.