Specialized Loans

Construction & Rehab Financing

Construction-to-perm Loan

• Two loans with one application and one set of fees

• Finance the construction of a new home on land you own

• When the home is complete, it converts into a permanent mortgage loan

Rehabilitation Loan

• Financing for both the purchase of the home and all the repair work

Jumbo Financing

Ameris Edge Jumbo Loan

• Up to 95% financing for eligible borrowers

• Loan amounts up to $3,000,000

• Adjustable rate mortgages with fully amortized or interest-only options

For Medical Professionals

Medical Professional Loan

• Up to 100% financing

• No private mortgage insurance required

• Loan amounts up to $1,500,000

• Ability to close on your loan before your employment start date (with employment contract and start date within 60-days of closing)

• Available to residents, fellows, medical doctors, osteopaths, dentists, pharmacists, veterinarians, physician assistants, chiropractors, podiatrists, maxillofacial surgeons, ophthalmologist and optometrists (within 10 years of fellowship/residency)

Special Situations

Extended Rate Lock

• Lock up to 360 days out

• One-time float down option, 30 days prior to closing

• Available for conforming, FHA, VA and fixed-rate mortgages (new construction only)

Ameris Bank Recent Housing Event Loan Program

• Designed for creditworthy borrowers who have experienced a housing event due to economic or financial hardship

• Flexible financing guidelines

• No private mortgage insurance required

• Fixed-rate and adjustable-rate options available

Bank Statement Advantage Program

• Borrowers to provide bank statements to determine income eligibility (24 consecutive months)

• Ideal for self-employed borrowers, entrepreneurs, small business owners and others with similar circumstances

This document is not a complete description of all eligibility requirements. Additional program restrictions may apply.