Specialized Loans
At Ameris Bank, we know some people need mortgages that aren't quite conventional. That is why we offer a variety of specialized loans. From loans designed for those in the medical profession to Jumbo loan financing, we've got it covered.*
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Medical Professional Loans
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Jumbo Loans
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Extended Rate Lock Loans
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Construction & Rehab
Outside the ordinary and beyond tradition
Construction & Rehab Financing
Construction-to-perm Loan
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Two loans with one application and one set of fees
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Finance the construction of a new home on land you own
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When the home is complete, it converts into a permanent mortgage loan
Rehabilitation Loan
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Financing for both the purchase of the home and all the repair work
Jumbo Financing
Ameris Edge Jumbo Loan
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Up to 95% financing for eligible borrowers
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Loan amounts up to $3,000,000
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Adjustable rate mortgages with fully amortized or interest-only options
For Medical Professionals
Medical Professional Loan
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Up to 100% financing
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No private mortgage insurance required
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Loan amounts up to $1,500,000
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Ability to close on your loan before your employment start date (with employment contract and start date within 60-days of closing)
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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
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Lock up to 360 days out
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One-time float down option, 30 days prior to closing
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Available for conforming, FHA, VA and fixed-rate mortgages (new construction only)
Ameris Bank Recent Housing Event Loan Program
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Designed for creditworthy borrowers who have experienced a housing event due to economic or financial hardship
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Flexible financing guidelines
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No private mortgage insurance required
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Fixed-rate and adjustable rate options available
Bank Statement Advantage Program
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Borrowers to provide bank statements to determine income eligibility (24 consecutive months)
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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.
YOUR SUCCESS IS OUR JOB
We're here to help every step of the way.
*All loans are subject to credit approval and eligibility requirements may apply.
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.