01Search
Search every Georgia listing by city, ZIP or address and save the homes you like.
Georgia homebuyers
Find the home you love. Buy down the rate.
Buy with a Savant broker, finance with Savant Lending, and up to 2% of the price is applied at closing to lower your interest rate — for the life of the loan.
Google reviews
18-day average closing · Pre-approval in about 2 hours
18-day average closing · Pre-approval in about 2 hours
Pre-approved in about 2 hours
One team, three services
Your agent and your lender, on the same page.
Savant Homes and Savant Lending sit under one roof, so offers, appraisals and closing dates move together. Use one service or all three.
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Real estate
Buy or sell anywhere in Georgia with a licensed broker who handles the search, pricing, negotiation and closing.
BuySellInvestment property
Browse homes →2
Mortgages
Wholesale-priced purchase loans and refinances, with pre-approval in about two hours.
FHAVAConventionalJumboNon-QM
Get pre-approved →3
Investor loans
Fix-and-flip, new construction and rental loans for Georgia investors.
Fix & flipConstructionRental
Run your deal →The Savant credit
Lower your rate with Savant Lending.
Buy with Savant Homes
Get up to 2% of the price back as a Savant credit at closing.
Finance with Savant Lending
Your credit pays for discount points that buy down your rate.
Keep the lower rate
It stays for the life of the loan — every payment, for 30 years.
Total savings with Savant
$47,940
Your Savant credit: $9,000
Without Savant credit
$2,627/mo
Rate
6.75%
APR
6.82%
With Savant credit
$2,494/mo
Rate
6.25%
APR
6.32%
$133/mo less — your credit buys 2.22 discount points.
Estimates based on .
The Savant difference
The usual way: two strangers, two timelines.
The Savant way: one team.
| Feature | Separate agent + lender | Savant |
|---|---|---|
| Credit back at closing | $0 | Up to 2% toward a lower rate |
| Agent and lender | Two firms, two timelines | One team, one timeline |
| Mortgage pricing | Retail rates | Wholesale rates |
| Pre-approval | Days | About 2 hours |
| Average time to close | Often 30+ days | 18 days |
How it works
Four steps from search to keys.
01
02Get pre-approved
Savant Lending pre-approves you in about two hours, so your offer is ready when the house is.
03Tour and offer
Your Savant broker tours with you, prices the offer against recent sales and negotiates.
04Close with your credit
Up to 2% of the price is applied at closing to buy down your rate.
Savant Lending
Wholesale rates on every loan you need.
Purchase loans
Conventional, FHA, VA and jumbo financing for your next home.
Refinance
Lower your rate or change your term on the loan you already have.
Cash-out refinance
Turn home equity into cash for renovations, debt or your next investment.
HELOC
A line of credit on your equity — keep your first mortgage and its rate.
First-time buyers
Low down payment programs and a loan officer who walks you through every step.
Non-QM and DSCR
Bank-statement and rental-income loans for self-employed borrowers and investors.
Investor loans
Financing for flips, builds and rentals.
Short-term loans for fix-and-flip and new construction. Long-term rental loans qualified on the property's rent. Run the numbers on your deal, then send it for terms.
Run your dealStart your search in Georgia.
Savant works every Georgia market. A few places clients search most.
Georgia buyers, in their words.
Google reviews · See all reviews
“Barry and his team were absolutely amazing throughout my entire home buying journey.”
“Working with Savant was an incredible experience from start to finish.”
“Highly recommend Savant for anyone looking to buy or sell. Professional, knowledgeable.”
Who you'll work with
A broker and a loan officer who answer the phone.
Savant is a family-run Atlanta firm. The same people negotiate your offer and structure your loan — available seven days a week.
Barry Hayut
Founder & Principal Broker · Loan Officer
NMLS #2043130
Barak Hayut
Partner & Operations
Client services and strategy
Questions about the credit
Anyone buying a home in Georgia who buys with a Savant Homes broker and finances the purchase with Savant Lending. The credit is up to 2% of the purchase price, applied toward a lower rate.
The credit is applied on your closing disclosure at closing. It pays for discount points that lower your interest rate for the life of the loan, and it shows on your Loan Estimate and Closing Disclosure.
No. You can buy with Savant Homes and use any lender, or borrow with Savant Lending and use any agent. The credit applies only when you use both.
Yes. Every loan program caps how much in credits can go toward closing, so the amount you can use depends on your loan. Your loan officer will show you the exact amount on your Loan Estimate.
On most purchases the seller pays the buyer-agent commission, and the credit comes out of that commission. [Confirm buyer-side fee language with compliance.]
[Confirm: is the credit limited to primary-residence purchases, or does it include second homes and investment properties?]
Get pre-approved today. Lower your rate at closing.
Pre-approval takes about two hours. No obligation to buy or borrow.