AMERIS BANK IS HERE TO GUIDE YOU HOME!

At Ameris Bank, we help turn your home buying dreams into reality, and we understand that there is no purchase more important, rewarding or exciting as a new home. That’s why we’re proud to help guide first-time homebuyers through the process and keep you updated with your loan status each step of the way.

We’ve curated some helpful homebuying resources and videos below to help you prepare you for the homebuying process and for you to discover what sets us apart from other lenders. Feel free to take a look around and contact us with any questions about what you can expect.

Remember, when you’re ready, we’re ready.

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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.

Download Homebuyer Guide

Mortgage Financing

Before You Apply

When You Apply

After You Apply

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Mortgage Financing Before You Apply When You Apply After You Apply Welcome Home

UNDERSTAND THE BASICS

This is the simple way to get a ballpark estimate of how much you are eligible to borrow and help you determine a price range for house hunting. Prequalification has no costs or commitments.

Regardless of the type of home you are purchasing, the documentation needed is the same. Check out our borrower’s checklist for a list of documents needed.

The lending process normally takes several weeks. Understand what happens, when it happens, and the documents needed along the way. Your mortgage banker will keep you informed at every step. Learn More

Both make up your loan payment. The interest portion is the cost of borrowing the money, and the principal portion will go towards paying down what you owe.

These are optional and, if you qualify, will allow you to pay interest at the time of closing to obtain a lower interest rate on a loan.

This is the amount of time to pay off your mortgage.

Charged by the government, your lender may choose to collect a portion of these taxes in every mortgage payment and hold the funds in an escrow account to pay your property taxes when due.

The lender may choose to collect a portion of this insurance payment in every mortgage payment and hold it in an escrow account to pay your insurance when it is due.

PMI may be required, and if so, the lender will hold the funds in an escrow account and pay the insurance when it becomes due.

YOU'VE COME TO THE RIGHT PLACE

We're here to help every step of the way

Mortgage Calculators

See how much you can afford with our easy-to-use calculators.

View Calculators<p>See how much you can afford with our easy-to-use calculators.</p>
Mortgage Articles

How a 15-year fixed rate saved me money in the long run.

Learn More<p>How a 15-year fixed rate saved me money in the long run.</p> - opens in new window
Home Ownership Advice

Which Mortgage Loan is right for you?

Learn More<p>Which Mortgage Loan is right for you?</p> - opens in new window
 

remember, when you're ready, we're ready.

APPLY NOW

Borrowers have the option to work with a lender of choice and are not obligated to apply for financing with Ameris Bank. Empire Homes is an independent third party and is not affiliated with, or a subsidiary of, Ameris Bank.