First-Time Homebuyer Loan Programs & Resources
Finding and choosing your first home is an exciting time. Ameris Bank is proud to offer loan programs that can help make your homebuying dreams a reality, and we’ll guide you through the process each step of the way. We’ve curated some helpful information and resources below to help prepare you for the homebuying process.*
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Low or no down payment
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Financial assistance may be available
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Gifts can cover some costs
Download our free Homebuyer Guide
Designed for first-time homebuyers like you, our Homebuyer Guide provides information on mortgage programs and the documents you’ll need to apply and answers to common questions. It even allows you to compare notes on homes you visit during the homebuying process.
In addition to our homebuyer guide, Fannie Mae and Freddie Mac offer homebuying education courses and additional resources to help prepare you for homeownership.
Loan Options
Ameris Dream
- Loans for first-time homebuyers with limited funds for a down payment
- Up to 100% financing for eligible first-time homebuyers
- No mortgage insurance required
- Borrower must contribute minimum of $500
First-Time Homebuyer Loan
- Competitive rates on fixed-rate loans
- Low to no down payment options
- Down payment and closing costs may come from a gift or grant from a family member
- Financial assistance may be available to qualified buyers
- Sellers may help with fees or provide other concessions
- Loans can be used to purchase homes or condos
Use our First-Time Homebuyer guide. It will walk you through the homebuying process step-by-step and provide you with the knowledge needed to make informed and confident decisions.
Type of Loans
- Loans for first-time homebuyers with limited funds for a down payment
- Up to 100% financing for eligible first-time homebuyers
- No mortgage insurance required
- Borrower must contribute minimum of $500
Ameris Bank offers the Ameris Dream loan which provides up to 100% financing for first time homebuyers with no mortgage insurance requirement. This loan allows gift funds to assist with down payment and closing costs, but the borrower must contribute at least $500. Income and location restrictions apply. Contact an Ameris Bank mortgage banker for details.
A mortgage with variable interest rates which may be a good option if you plan to stay in the home for a short period of time. Learn More
Government-backed mortgages with low down payment requirements. Learn More
A mortgage with predictable monthly payments making it easier to stick to a budget. Learn More
- As little as 3% down payment (all can be gifted)
- Mortgage insurance required
- One-unit primary residence
Lending for purchases in rural areas where you can borrow up to 100% of the value of the new home. Learn More
Up to 100% financing for active duty military and veterans. Learn More
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.