Specialized Loans

Construction & Rehab Financing

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

• When the home is complete, it converts into a permanent mortgage loan

Rehabilitation Loan

• Financing for both the purchase of the home and all the repair work

Jumbo Financing

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

¹Additional 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.

For Medical Professionals

Medical Professional Loan

• 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)

• Available to residents, fellows, medical doctors, osteopaths, dentists, pharmacists, veterinarians, physician assistants, chiropractors, podiatrists, maxillofacial surgeons, ophthalmologist and optometrists (within 10 years of fellowship/residency)

Special Situations

Extended Rate Lock

• Lock 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

This document is not a complete description of all eligibility requirements. Additional program restrictions may apply.