Bills, meet your match
Schedule, track and manage payments anytime, anywhere.
Construction & Rehab Financing
Give your blueprints the green light with these loans.
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
- Converts to a permanent mortgage loan when construction is complete
Rehabilitation Loan
- Financing for both the purchase of the home and all the repair work
Jumbo Financing
When you need to borrow beyond the conventional limits, you have several options at Ameris Bank.
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
Premier Jumbo Loan Program
- Loan amounts up to $3 million
- Available for primary, second home, and investment properties
- Fixed and ARM options at competitive rates
Premier Jumbo Deposit Relationship Incentive Program
- Reduce the mortgage rate on your Premier Jumbo 5/6 or 7/6 ARM by opening a qualifying Ameris Bank CD
- Deposit at least 10% of your loan amount into a CD with a minimum 12-month term
- Make your deposit at least 48 hours before closing and enroll in ACH payments1
- Available on Premier Jumbo 5/6 and 7/6 ARM loans only
Medical Professional Loan
This special mortgage is available to residents, fellows, medical doctors, osteopaths, dentists, pharmacists, veterinarians, physician assistants, chiropractors, podiatrists, maxillofacial surgeons, ophthalmologists and optometrists (within 10 years of fellowship/residency).
- 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)
Special Situations
These additional options can benefit you during the homebuying process.
Extended Rate Lock
- Lock your interest rate 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)
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
- Additional program restrictions may apply
Your financial shortcuts
The latest Ameris Advice
Learn. Grow. Bank Confidently.
Unlock your home's potential
Tap into your home equity to consolidate debt, fund life's big events or tackle home improvement projects.
Home Equity Loans
Lock in this fixed rate loan when you know how much you need to borrow.
HELOC
A HELOC is the right solution if you are looking for flexibility and a revolving line of credit.
Unlock your home's potential
Tap into your home equity to consolidate debt, fund life's big events or tackle home improvement projects.
Home Equity Loans
Lock in this fixed rate loan when you know how much you need to borrow.
HELOC
A HELOC is the right solution if you are looking for flexibility and a revolving line of credit.
Ameris Bank makes homeownership convenient with our mortgage loan options. Contact a mortgage banker online or visit a branch location throughout AL, GA, FL, SC, NC, VA, MD and TN.
* All loans are subject to credit approval and eligibility requirements may apply.
1 Additional terms and restrictions may apply. Failure to deposit funds in a timely manner may delay the closing or result in an increased interest rate. If the borrower chooses not to deposit the funds in an Ameris account or enroll in ACH for monthly mortgage payments, the pricing discount will be removed, requiring redisclosure and a three-day waiting period prior to closing.