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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
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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

Lot Loans1

  • Up to 85% financing available
  • Maximum of five residential acres (on a paved road)
  • No mortgage insurance required
  • Flexible financing guidelines

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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All loans are subject to credit approval and eligibility requirements may apply.

1 Only available for properties in AL, FL, GA, NC, TN and SC. Borrower limited to a maximum of one Ameris Bank lot loan. Perc test required for lots outside platted subdivision.

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.