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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

AFFORDABLE AND FLEXIBLE FHA LOANS

Owning a home is a fundamental part of achieving the American dream. It fosters pride in ownership and represents and a sense of belonging. Moreover, home ownership enables individuals and families to establish roots in a community and create lasting memories. If you are an aspiring homeowner seeking a home loan, a Federal Housing Administration (FHA) loan from Ameris Bank is worth looking into.

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 
 
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
Family Outside New 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.

YOU'VE COME TO THE RIGHT PLACE

We're here to help every step of the way.

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* 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.