Teri Smith

VP, Mortgage Banker

My Specialties

  • First Time Homebuyer Loans
  • VA/FHA/USDA Loans
  • Fixed Rate Mortgages
View All Mortgage Options


Working in the Mortgage Industry since 1988, Teri Smith takes great pride in providing her customers with an exceptional mortgage banking experience. She stays informed of current industry news and trends, providing the most up-to-date information and lending solutions to her customers. In her community, Teri is a member of the Sales and Marketing Counsel of the Building Industry Association of Central South Carolina (BIACSC) as well as a longstanding member of the BIACSC. Teri is also a member of the Lexington South Carolina Chamber of Commerce. In her free time, she enjoys hand making crocheted jewelry.

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Columbia, SC
NMLS#: 511777
Office: 803.733.3683
Cell: 803.206.0670

Teri is the best! She and her team are very professional and responsive. The most important factor of securing a mortgage loan is being kept informed and having a team that will return phone calls and emails is THE most important thing to consider when choosing your mortgage lender. The vast array of loan programs and the best interest rates in the market offered by Ameris Bank is a bonus - but when you are looking for a mortgage lender that truly cares and proves she cares every day, you need to call Teri Smith. It's the reason I have been sending her clients for over 20 years.

Coldwell Banker, Randy Lindsay

Thank you very much to Teri Smith. She always makes this such a painless process.

Ellen Mason

“Teri and team were excellent to deal with! I had a great experience. The staff were responsive to my inquiries. Teri discussed my options and helped me pick the best one for me. I have never seen or experienced another mortgage process go so smoothly. My realtor even commented that this was one of the smoothest sales she has been a part of. Great work Ameris! I will be using you for future mortgage needs. "

Mason Lee

Teri was amazing to work with! My husband and I had no knowledge of how to even start getting a home loan and when we contacted Teri, she was the answer to all of our questions. She explained our options thoroughly, answered any question we could think of, and made the process practically painless. I know our experience couldn't have been better through another banker - Teri is just amazing at what she does! I will recommend her to anyone and I will tell everyone I can about our positive experience.

Erica Martin

Teri Smith was great. All of our questions were answered quickly, accurately and professionally.

Rick Henry

We could not be happier that we chose Teri Smith to assist us with our loan. There was never an email or call that was not answered promptly. She welcomed the many questions we had about our specific loan. If you want the best, go with Teri Smith.

Kristin Marshburn

Very knowledgeable and helpful during the entire process!

James Jacobs

Terri Smith made our mortgage consolidation/refinance experience very easy and very timely. I work for a competitor and this process was easier than what I have my customer go through.

Jim Fisher

Contact Teri and make you dreams come true. Make Teri and Ameris Bank your FIRST and ONLY mortgage loan choice. You’d be extremely pleased!

Emily Page

Teri was so helpful and friendly. If I had any questions she immediately responded to my email or phone call. I really appreciated her customer service skills and professionalism.

Stephen Taylor

Teri and her staff was very helpful throughout all the phases of the home buying process. I strongly recommend.

Erica Miller

Because of Teri Smith, my kids and I have a home that we will love forever

Tequila Taylor

Starting the home buying process can be quite daunting, but Teri made it easy. She was always willing to answer my questions, and she really made me feel like she cared about me as a person.

Emily Longshore

My experience with Teri went so smoothly. I always felt like I was a priority, even though I was only one of many clients. I highly recommend Ameris!

Deborah & Terry Munchmeyer

I had a great experience and will be using Ameris for all future banking needs.

Robbie Rouse

Teri Smith was outstanding. She was patient and offered incredible guidance. She pulled together our mortgage in just a few days! I feel so blessed to have worked with Teri!

Alison Douglas

Teri Smith was very professional, proficient, and knowledgeable. She helped me every step of the way and explained to me in detail each step. She was very efficient and just gave me an awesome overall experience!

Marvette Byrd

This is the second time using Teri Smith for a mortgage and she has been incredible both times. Absolutely amazing service from the initial contact to the closing documents and every aspect in between.

Joseph Czeladko

This was the easiest and smoothest mortgage process I have ever experienced.

Wayne Kellis

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.

Let’s Get Cooking: Peach Pie

Peach Pie
08.20.2018 | Lifestyle

Mark your calendars, August is National Peach Month. There are over 2,000 varieties of peaches and with their sweet, juicy nature makes them a great…