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.

YOUR SUCCESS IS OUR JOB

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

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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.