FHA Loans
Are you ready to purchase your dream home, but you have less cash available up front for the down payment and closing costs? An FHA loan*, backed by the Federal Housing Administration, may be for you.
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Down payments as low as 3.5%
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Flexible qualifying guidelines
AFFORDABLE AND FLEXIBLE FHA LOANS
An FHA home loan is a popular government-backed loan option if you want to make a lower down payment and need some flexibility when qualifying for a mortgage and paying the closing costs. Ameris Bank is an FHA-approved lender, and we pride ourselves on helping people buy a home so they can provide stability and security to their families. When you work with our team, be assured you'll receive expert guidance and personalized service so you can reach important milestones.
Low down payment options - as little as 3.5% of the appraised value for down payment | |
Gift funds may be used for down payment or closing cost assistance |
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Expanded credit guidelines available |
Seller can pay closing cost up to 6% | |
Requires mortgage insurance |
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Co-applicant can help with qualification even though they will not live in the home |
An FHA Loan could be the key to your dream home.
With its low down payment requirements, flexible eligibility criteria, and favorable terms, an FHA loan can make your dream of homeownership a reality. Don't let financial barriers hold you back — start your journey toward owning a home today. Ameris Bank is ready to help.YOUR SUCCESS IS OUR JOB
We're here to help every step of the way.
* All loans are subject to credit approval.
Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.