Sidney Lanier Bridge

Sidney Lanier Bridge

The Grande and The Beach Club Jan 2006

The Grande and The Beach Club Jan 2006

SS Beach Memorial Day 2007

SS Beach Memorial Day 2007

OLD St Simons Drawbridge

OLD St Simons Drawbridge

St. Simons Island Beach

St. Simons Island Beach

Driftwood Beach Jekyll Island

Driftwood Beach Jekyll Island

South View from the Deck SSI

South View from the Deck SSI

Golden Isles Sunset

Golden Isles Sunset

McKay River Bridge

McKay River Bridge

Golden Isles Sunrise

Golden Isles Sunrise

Veterans Walk Neptune Park SSI

Veterans Walk Neptune Park SSI

St. Simons Island Sunset

St. Simons Island Sunset

Veterans Walk Neptune Park SSI

Veterans Walk Neptune Park SSI

The Northern Tip of St Simons Island

The Northern Tip of St Simons Island

The Lodge St. Simons Island

The Lodge St. Simons Island

Sunset St. Simons Island

Sunset St. Simons Island

Southern View from the Deck SSI

Southern View from the Deck SSI

Enclave Lane SSI Sunset

Enclave Lane SSI Sunset

Casino and Lighthouse St. Simons Isl

Casino and Lighthouse St. Simons Isl

Serving all of Georgia from

St. Simons Island & the Golden Isles

Your Mortgage Headquarters

We are a locally owned and operated mortgage broker. We have both the experience and expertise to guide you through the mortgage process smoothly and efficiently. As a bonus, you also get the best rates...

NMLS# 133595

Georgia Residential

Mortgage Licensee # 15527

OUR TEAM

Paul H. Sanders III
OWNER/BROKER
NMLS 149171 GRMA 27752

Mobile: 912-230-7700

 

John W. Ligon
MORTGAGE LOAN ORIGINATOR
NMLS 1416993 / GRMA 50235

Mobile: 912-230-2555

Luv McDowell-Bailey
MORTGAGE LOAN ORIGINATOR
NMLS 162179 / GRMA 27232

Mobile: 912-399-4422

Eric C. Freeman
MORTGAGE LOAN ORIGINATOR
NMLS 1366880 / GRMA 46548

Mobile: 912-269-7770

Judi L. Harrison
MORTGAGE LOAN ORIGINATOR
NMLS 658876 / GRMA 33418

Mobile: 912-270-1969

MORTGAGE

LOAN PROGRAMS

Conventional

The Regular Fannie Mae or Freddie Mac type loans. Fixed and Adjustable rates with as low as 3% down payment.

FHA

A government loan insured by HUD with a 3.5% down payment and more foregiving credit guidelines.

USDA

A 100% loan targeted for more rural areas.

Reverse

A loan which allows borrowers age 62 and older access to the equity in their homes without having to make payments.

VA

A great loan benefitting Veterans and can be 100% up to $417,000.

Specialty

We can do Jumbo, Super Jumbo and Condominium loans up to 95% of the Sales Price.

OUR VISION

At Somerset, we believe that with the right tools - information, experience, technology and flexibility - getting through the mortgage process can be done smoothly and with confidence. Our knowledgeable, dedicated mortgage specialists are the best in the business, working with you to explore your financing goals and options. As a Somerset customer, you can be assured we will be available to assist you every step of the way while showing you how open communication is the best way to understand what is involved with the mortgage process.

 

How We Help After You Get Your Loan with Us:

After your loan closing, we are always eager to answer any questions you encounter as you make the

transition to your new lender. All of our lenders offer 24-hour availability of automated information through their online websites:

Payment Options & Payment Posting
Loan Balance
Tax & Insurance Information
Escrow Analysis

 

CLIENT TESTIMONIALS

We have used Somerset on 3 different occassions. They always do a great job and that's why we keep coming back. They consistently had better rates. 

   -RN

The Somerset Mortgage Team is very good, down to earth and helped make my home purchase an easy process. I know my rate was the best too.

   -JLB

   -

Somerset really is the BEST. First they explained the options, then helped me decide, then got me a better rate than I expected. I see why they are so good.

   -JM

CONTACT

SOMERSET

MORTGAGE

OUR ADDRESS

1607 Frederica Road, Suite 201

St. Simons Island, Georgia  31522


Office:  912.638.2020

Toll Free:  866.638.2020

Fax:  912.638.6868

 

 

For any general inquiries, please fill in the following contact form:

 

© 2025 by Somerset Mortgage Corp. 

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