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.
-
Down payments as low as 3.5%
-
Flexible qualifying guidelines
AFFORDABILITY AND FLEXIBILITY
An FHA home loan is a popular government-backed option when you are making a lower down payment and you need some flexibility when qualifying for a mortgage and paying the closing costs. At Ameris Bank, we pride ourselves on helping people buy a home so they can provide stability and security to their family. 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
- Expanded credit guidelines available
- Seller can pay closing cost up to 6%
- Requires mortgage insurance
- Co-applicant can help with qualification even though they will not live in the home
YOUR SUCCESS IS OUR JOB
We're here to help every step of the way.
Financial
Peace of Mind
Organize your money and expenses to help achieve your financial goals.
Read ArticleOrganize your money and expenses to help achieve your financial goals.
Keep Everything
in Line
Your credit score is a measure of how financially responsible you have been.
Read ArticleYour credit score is a measure of how financially responsible you have been.
Searching for
a Home?
Use this guide to better understand the mortgage application process.
Read ArticleUse this guide to better understand the mortgage application process.
* 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.