First-Time Homebuyer Loan

Let's celebrate! Finding and choosing your first home is an exciting time. Ameris Bank offers first-time homebuyer loans that can make your homebuying dreams a reality.

  • Low or no down payment
  • Financial assistance may be available
  • Gifts can cover some costs

Everything you need to know

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.


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.