Courtney Efird

Loan Officer

My Specialties

  • VA Loans
  • Construction Perm
  • VHDA First Time Homebuyer
View All Mortgage Options


Courtney has been in the mortgage industry for 10 years and couldn’t imagine doing anything else with her life. Her mother is a loan originator and her father is a realtor so being raised in a real estate family it was only natural for her to follow her mother’s footsteps and become a Loan Officer. After helping her father during the summers in high school, she went to the University of South Carolina Moore School of Business and graduated with degrees in Marketing and Business Management. Out of college, she started working for a government contractor utilizing her marketing degree, but after 2 years she was pulled back in to the real estate world. She started with her mother in 2009 as an assistant and never looked back. She enjoys the challenges of an ever-changing industry and getting to help people achieve the dream of homeownership. Ameris Bank provides her with the products she needs to help borrowers across all aspects of life. From first time home buyer to Renovation to Construction Perm to Physician loans – she is able to grow with her clients’ needs and find a product that fits them. Her passion for people, relationships and friendships help her build connections with her customers that make them clients for life.

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Newport News, VA
NMLS#: 659400
Office: (757) 597-0432
Cell: (757) 810-2619

I'm really glad Courtney was able to respond right away even in evenings and weekends! Her prompt responses kept my anxiety low, and she helped me even after I had originally decided to go with a competitor. I had a change of mind and decided to go with her office because of the above. She explained everything well and kept me in the loop.

Lester L.

The loan process was virtually painless. Even though there were obstacles and challenges I never felt judged. I love this team and would recommend them to everyone.

Jasmine R.

Responded to question in a timely manner and was able to meet in person which was a huge help.

David F.

Nina and Courtney were always available and responsive. Nina even answered my email while she was out the the country!

Elizabeth K.

Nina and Courtney Efird have extensive knowledge in the mortgage loan world and we were grateful for their expertise. They were always available to answer our questions and provided immediate responses. Nina and Courtney set the bar high, they are truly exceptional and the best in the business!

Diana & JR L.

Courtney and her team were super responsive and helpful in every step. I never even had time to worry because she was so quick to address my concerns and questions!

Meghan O.

The consistent follow-ups, quick return on phone calls and status emails were a plus. Nina and Courtney are very focused on their customers...others could take a lesson from their commitment to excellence in this area.

Chris J.

Nina and her team were professional, informative and also very knowledgeable about the VA process. They worked around the clock to make sure all of my documents were in order, kept me organized and on track and always responded to calls and emails immediately. I highly recommend the Efird Team for all of your mortgage needs!

Angel W.

Partnering with Ameris

At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you step-by-step through the process and keeping you updated with your loan status each step of the way.

Ameris Bank Mortgage Services is backed by Ameris Bank – a strong and stable community bank with over a 45 year history built on relationship banking and customer service.

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