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.
- Medical Professional Loans
- Jumbo Loans
- Extended Rate Lock Loans
- Construction & Rehab
Outside the ordinary and beyond tradition
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
For Medical Professionals
Medial 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 medical doctors, doctors of osteopathy, dentists, pharmacists, and veterinarians (including residents and fellows)
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)
Ameris Bank Recent Housing Event Loan Program
- Designed for creditworthy borrowers who have experienced a housing event due to economic or financial hardship
- Flexible financing guidelines
- No private mortgage insurance required
- Fixed-rate and adjustable rate options available
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
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Use this guide to better understand the mortgage application process.
All loans are subject to credit approval and eligibility requirements may apply.
This document is not a complete description of all eligibility requirements. Additional program restrictions 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.