Built for Fort Gordon · PCS to Augusta · Veterans & Active Duty
PCS'ing to Augusta? Augusta's VA loan experts have you covered.
$0 down. No PMI. Close in 30 days. Serving Fort Gordon (formerly Fort Eisenhower) families since 1992 — local underwriting, no call center, and we know Evans, Grovetown, Martinez, and the surrounding Georgia and South Carolina areas like home.
$0 Down Payment
Eligible buyers can finance 100% of the purchase price.
No Private Mortgage Insurance
Save hundreds per month vs. conventional with low down payment.
BAH Often Covers the Payment
For active duty, BAH at the Augusta rate frequently covers full PITI.
We Handle the VA Paperwork
Certificate of Eligibility, residual income, funding fee — we do the work.
30+
Years closing VA loans in the CSRA
NMLS# 148371
License
GRMA# 5819
State authority
Required disclosures honored
Equal Housing Lender
The Fort Gordon market
Most military families in Augusta have to buy off-post. We make that easy.
16,000+
Active military at Fort Gordon
~1,000
On-post houses (and shrinking)
$2.4B
Annual economic impact
31,000+
Total base workforce
Fort Gordon (formerly Fort Eisenhower) is one of the largest Army installations in the country and home of U.S. Army Cyber Command. With only about 1,000 on-post homes available — and that number shrinking — the vast majority of military families have to buy or rent off-post directly in our market.
Columbia County— Evans, Grovetown, and Martinez — is the #1 preferred destination thanks to its school system. PCS orders create a perpetual, seasonal wave of motivated buyers every spring and summer, and we've been closing those loans for 30+ years.
Columbia County Guide
Where Fort Gordon families settle
- Evans — top-rated schools, newer subdivisions, easy I-20 access. The default landing zone for officer-rank PCS families.
- Grovetown — closest to the gates, fastest commute, strong new-construction inventory at moderate price points.
- Martinez — established neighborhoods, mature trees, walkable to retail and dining. Strong resale market.
BAH Explainer
Your BAH may cover the entire payment.
The DoD's Basic Allowance for Housing is paid at the local market rate. In the Augusta area, BAH for many ranks frequently covers full PITI — principal, interest, taxes, and insurance — on a moderately priced home in Columbia County.
Combined with $0 down and no PMI, that's the closest thing to free housing you'll find as a buyer. We'll model your specific BAH against a real Columbia County mortgage payment before you ever submit an application.
How we model it
We do this math on a real call. Not a hypothetical calculator, not a teaser ad — actual numbers for your situation, no credit pull required.
VA programs we close
More than just the standard VA purchase.
VA Purchase
The standard VA loan — $0 down, no PMI, competitive rates. Owner-occupied primary residence.
VA Jumbo
For loans above the standard county limit. Full-entitlement veterans may still qualify with $0 down.
Learn more →
VA IRRRL Refinance
Streamline refinance for existing VA borrowers. Lower rate, lower payment, minimal documentation.
VA One-Time Close
Build a custom home with a single VA loan that converts from construction to permanent financing.
Local vs. national
Why Augusta veterans choose us over the big national VA lenders.
National lenders sell speed and ad spend. We sell certainty, relationships, and a Columbia County zip code that means something to your underwriter.
| National Lender | First Choice Mortgage | |
|---|---|---|
| Local Knowledge | National call center | 32 years in Augusta / CSRA |
| Columbia County Expertise | Generic content | Evans, Grovetown, Martinez specific |
| Community Trust | Brand advertising | Local reviews, local faces |
| PCS Realtor Relationships | None locally | Realtor network in place |
| Response Time | Queue-based | Direct local licensed loan officers that know the area |
| Established Since | 2002 (Missouri) | 1992 (Augusta, GA) |
How a VA loan works
Three steps. We do the heavy lifting.
Check eligibility
Tell us your service status. We'll pull your Certificate of Eligibility (COE) for you — most are returned in minutes.
Get pre-approved
We will pre-approve you and walk you through residual income, the funding fee, and what your monthly payment looks like against your BAH.
Close on your home
From contract to keys, we coordinate with your real estate agent, the appraiser, and the VA. You sign. We do the rest.
VA FAQ
Common questions from Augusta veterans.
What is a Certificate of Eligibility (COE)?+
Can I use my VA benefit more than once?+
Can I buy with less-than-perfect credit?+
What is the VA funding fee?+
Do you work with PCS / military buyers on a tight timeline?+
Is "Fort Gordon" or "Fort Eisenhower" the right name?+
Ready to use your VA benefit?
We'll pull your COE, give you a real rate, and tell you exactly what you can buy against your BAH. No pressure, no credit pull until you're ready.
VA loans are subject to VA eligibility requirements. Not all applicants will qualify. First Choice Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. NMLS# 148371. Equal Housing Lender.