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
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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
Medial 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 medical doctors, doctors of osteopathy, dentists, pharmacists, and veterinarians (including residents and fellows)
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
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.
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.