Mortgage Customer Service

The loan process normally takes several weeks. During this time, the Mortgage Banker is making sure all obligations related to your home purchase or refinance are complete.

The closing is the meeting when you will sign all of the paperwork and make the payments needed to become an official homeowner. Prior to closing, your title company, escrow company, or attorney will review the Closing Disclosure with you. This document provides the final total of your closing cost and establishes the total funds you must bring to closing. The closing typically takes 1 – 2 hours because there are so many documents that need to be signed prior to receiving the keys. The three most important documents you will sign are the note, the mortgage (also known as deed of trust) and the deed.

A professional inspection will identify any existing problems that the home or property might have – major and minor. It is a good idea to be present during the inspection so that you can ask questions and become immediately aware of any existing problems.

Depending on your loan, you may need to present proof of several types of insurance in order to close on your home including:

Homeowners or Hazard Insurance (everyone needs this). Flood Insurance, if applicable. A Lender's Title Insurance policy, which protects the bank in the amount they lent. You may also choose to purchase optional Owner's Title Insurance if your lender does not require a policy as a condition for the loan. Additionally, if your down payment is less than 20%, you will also need mortgage insurance (PMI). You mortgage banker will help you determine what types of insurance you may need to close your loan and can provide resources to help you determine what other types of insurance you may want to purchase.

Most Ameris Bank loans are serviced by Dovenmhule. If your loan is serviced by Dovenmhule, visit yourmortgageonline.com and log in for payoff information or call 1-800-669-4268.

If your mortgage is serviced by Ameris Bank directly, which is rare, contact us at 866-616-6020.

You can access the mortgage loan payment portal by clicking the login button at the top right of the Ameris Bank website and selecting Mortgage Payment and Service from the drop-down menu. You will be redirected to the mortgage payment page.

You can also access the mortgage loan payment portal directly by clicking the button below.

Lots of factors determine whether or not it's a good idea to refinance your home. Our Mortgage Bankers can discuss your situation and guide you down the right path. Find an Ameris Bank Mortgage Banker today for a no-obligation consultation. You can also check out our "Time to Refinance?" calculator to see how refinancing could affect your payment.

If you are a consumer who is interested in a construction-to-permanent mortgage, please contact a mortgage banker for more information, or apply online. If you are a homebuilder interested in financing for a project or if you are a business owner who needs to finance a commercial property, please contact our commercial lending department at 866-616-6020.

If you're a consumer who is interested in a construction-to-permanent mortgage, please contact a mortgage banker for more information, or apply online.

If you are a homebuilder interested in financing for a project or if you are a business owner who needs to finance a commercial property, please contact our commercial lending department at 866-616-6020.

Find a mortgage banker online. If you need a commercial banker or a non-mortgage consumer loan, contact us at 866-616-6020.