About us

About Us

Why Should You Choose Us?

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


Meet Our Team

Paul H Sanders III

Paul has been in mortgage loan origination since 1983 and prior to that was a financial analyst with Dun & Bradstreet and Lockheed.

With a B.A. Degree in Economics from Dartmouth College, Paul feels prepared to advise clients on the most advantageous path to loan approval at the best rate. “I really enjoy working in a field where I can help borrowers with such a significant financial event in their lives”,   says Paul.

Memberships include The Brunswick- Glynn County Board of Realtors, St. Simons Rotary Club, Brunswick Glynn County Chamber of Commerce and the Ivy League Club of The Golden Isles.

Paul has 2 sons, Paul (Chad) and Andrew. Paul (Chad) graduated from Presbyterian College, majoring in both Physics and Math, received his PhD in Physics at Auburn, and an additional Masters in Quantitative and Computational Science at GA Tech. Andrew received his Undergraduate and Masters in Computer Science at Georgia Southern University and is pursuing a Doctorate in Computer Science at Augusta University.

  • Email : paulsandersiii@gmail.com

  • Phone : 912-230-7700

  • NMLS# 149171 / GRMA# 27752

LuV McDowell-Bailey 

LuV has been helping clients in financial services and mortgage lending since 1995. As a homeowner she has experienced the stress and anxiety that can be a part of the mortgage process and as a result she strives to make sure all expectations are fully achieved through great customer service based on superior communication. LuV serves her clients with compassion, integrity, and tenacity. Her passion is to go above and beyond and help borrowers achieve financial success regardless of their situation and circumstance. And most important of all, she sticks with her customers as long as it takes to get them into home ownership.

LuV was born in the Golden Isles and as the daughter of a military officer, honor, integrity, and dedication were just some of the attributes instilled into her character. She not only believes that people deserve to be treated in that same respect, but she puts it into practice. As a child she traveled with her family throughout the world. She and her husband Daniel have three daughters, 1 daughter at home, 1 daughter in college and 1 married daughter with a son.

LuV is truly a lover of God, her family, and of people and she enjoys the rewards of helping others obtain their homeowner goals. Experience the difference with a professional who cares because even John Lennon and The Beatles believe that  “All you need is LuV – LuV. LuV is all you need”.

  • Email : callluvnow@gmail.com

  • Phone : 912-399-4422

  • NMLS# 162179 / GRMA# 27232

Lori R. Rua

Lori is a native of West Palm Beach, Florida who found her way to the Brunswick/St. Simons Island area in 2006 by way of Atlanta. She earned her Associate’s degree at Valencia Community College in Orlando and her Bachelor of Arts degree from the University of South Florida in Tampa.

Lori hails from a military and law enforcement family. She was raised with honesty and integrity, treating others with respect and value. Her mother was a stay at home mom, who later managed the office of a CPA. Her father is a US Army Veteran who served honorably in the field in the Vietnam War and was later stationed in Manheim, Germany. Upon his return, he enjoyed a lifetime career in the police force and has since recently retired. Her brother is currently a police officer in Palm Springs, FL, serving as K-9 unit and now community policing.

After working in retail banking for eight years, Lori entered into the mortgage world in 1998 as a Loan Processor for two years before her career as a Loan Originator began in 2000. She recently took some time off to start a family, having a beautiful daughter in April 2017, and after two years, she is now back with full force at Somerset Mortgage, helping clients with purchase and refinance transactions.

Lori enjoys walking clients through the process of loan application, all the way through to closing, answering any and all questions, day and night. She ensures that clients have a pleasant mortgage loan experience, all the way to the closing table! Call her today on her direct cell phone 912-248-5832 for your loan approval!


Eric C Freeman

Eric has been a mortgage loan professional for more than 10 years. He earned his degree in Bachelors of Business Administration in Finance from Georgia Southern University along with being a lifelong resident of the Golden Isles he has the knowledge & experience to help you through the loan process.

Whether you are buying a home for the first time, purchasing an investment property, looking to renovate, or refinancing your current home loan – my commitment to you is to leverage my experience to navigate the complicated marketplace and find a home loan that fits your unique situation & needs. My focus is not only dedicated to finding the right loan for you, but I will also ensure you are getting the lowest mortgage rates available. I pride myself on the relationships I build, my goal is that you will experience exceptional quality from start to finish.

The mortgage process can be stressful & overwhelming, but it doesn’t have to be with Eric in your corner! Contact Eric today and let him help you find the perfect driveway to put your dreams on!

  • Email : freeman.eric.c@gmail.com

  • Phone : 912-269-7770

  • NMLS# 1366880 / GRMA# 46548

Judi Harrison

Judi has been in the mortgage and finance industry for over 25 years. With a Bachelor of Science degree in Economics from the State University of NY at Oneonta and a teaching certificate from Armstrong State University, she is able to educate her clients on the big picture of homeownership. Judi attained a Series 7 Brokers License while working for 10 years with Merrill Lynch prior to transitioning to the mortgage business.

Judi served as Vice President of Mortgage Lending for a local bank and has worked in the mortgage industry with banks and private mortgage companies for several years. “My clients know that this is one of the most important investment decisions they will ever make.

I have lived on St. Simons Island since 1990, and raised my family here. I have been very fortunate to work with many clients, friends and neighbors over the years, who now call this beautiful community their home too.”

  • Email : jharrison0721@gmail.com

  • Phone : 912-270-1969

  • NMLS# 658876 / GRMA# 33418