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
  • Choice of fixed-rate or adjustable-rate loans

Everything you need to know

  • 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%


  • Available in a variety of fixed-rate and adjustable rate loan options
  • Requires mortgage insurance
  • Co-applicant can help with qualification even though they will not live in the home


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


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.