Welcome to the new amerisbank.com! We're excited to launch our redesigned website and invite you to take a look around.
We are fiercely committed to you, every step of the way.
Join a team that values integrity and rewards ingenuity.
See our corporate overview.
Access our latest news, press releases and media resources.
Discover our bold, customer-first approach to banking.
Supporting communities through giving and volunteer efforts.
Meet the experienced team guiding our vision and growth.
Learn how we foster an inclusive, equitable workplace and community.
Hear real stories from our customers about their experiences.
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We are fiercely committed to you, every step of the way.
Join a team that values integrity and rewards ingenuity.
See our corporate overview.
Access our latest news, press releases and media resources.
Discover our bold, customer-first approach to banking.
Supporting communities through giving and volunteer efforts.
Meet the experienced team guiding our vision and growth.
Learn how we foster an inclusive, equitable workplace and community.
Hear real stories from our customers about their experiences.
Accounts & tools you need for your business operations.
Set money aside today so you can take action when the time is right.
Earn higher interest on your cash reserves.
A secure and flexible way to grow your savings.
24/ access to your business accounts from your office, home or anywhere.
Account access in the palm of your hand.
A convenient way for your business to send and receive money.
No minimum balance, 300 free items, and easy mobile banking.
Manage business expenses with secure, streamlined payment solutions.
Streamline collections and improve cash flow with secure solutions.
Protect your business with advanced tools to detect and prevent fraud.
Core tools to manage cash flow and optimize liquidity.
Protect your accounts with advanced check and ACH fraud prevention.
Send payroll, vendor payments, or customer refunds securely and efficiently.
No minimum balance requirement, no monthly service fee, 24/7 digital access.
Offering vital protection for you and your finances.
Earn interest and receive high-value upgrades.
The perfect way to pay for purchases.
Tailored for student life and your unique needs.
Free checking with no fees and instant digital access - simple banking for busy families.
An account to build your savings to reach your goals.
Earn higher interest returns while maintaining easy access.
Teach children the value of saving money and create good habits.
A simple way to save for qualified medical expenses.
Annual contributions can be used to cover private school and college tuition costs.
Save at an accelerated rate to reach your goals quicker.
Build a nest egg for a brighter retirement.
Grow your money for future wedding plans, college expenses or home updates.
Manage short-term operating expenses, finance inventory, or bridge the gap between invoices and payments.
Funding to finance new or used equipment, machinery and more.
Streamlined premium financing solutions for your business.
Tailored loans to support your construction projects.
Government-backed financing to help your business grow.
Affordable financing options for rural business growth.
Capital solutions to support mortgage warehouse operations.
Comprehensive solutions to support your mortgage lending business.
Gain access to capital using mortgage servicing rights as collateral.
Guiding you through every step from application to closing with fast approvals and tailored support.
Flexible financing to help you purchase or expand a business.
Loans for purchasing, building, or refinancing properties.
Flexible lending and expert guidance to help you buy, build, or expand your property.
Affordable loans to purchase or upgrade business equipment.
Financing to help your business grow and reach new markets.
Fixed-rate financing for long-term business investments and growth.
Lending solutions to manage cash flow and stock your inventory.
Commercial business loans for operating expenses, equipment purchases, technology upgrades, and more.
Flexible financing to invest in equipment, locations, or working capital tailored for your business goals.
Easily earn cash back on a variety of purchases.
Save on interest with an extended low introductory rate offer.
Earn rewards with no point caps.
Earn points for your business and use them how you want.
Earn cash back on everyday business expenses and bonus categories, all with no annual fee.
Money management right from your home.
Your digital branch right in your pocket.
Move money between accounts, between banks or to people you trust.
Monitor accounts with personalized email and mobile app notifications.
Safeguard your debit card from your mobile device.
Easily and securely send money to family and friends.
Easily track transactions, pause spending, or limit expenses - all from your device.
Helpful planning tools at every stage of the home buying process.
Unlock your dream home with an affordable down payment.
Reduce your monthly mortgage payment and build equity faster.
Choose from fixed and adjustable-rate mortgages to construction financing and more.
Government-backed home loan options to get you into your dream home.
Financial assistance to unlock your dream home.
Access the equity in your home for large expenses, unexpected costs, renovations and more.
Understand what happens, when it happens, and what you need along the way.
Secure, efficient payment solutions for your business.
Our knowledgeable business bankers are here to help you achieve your financial goals.
Simplify expense management, improve cash flow, and keep personal and business finances separate.
Simplify payroll with secure, efficient processing solutions.
Lock in a low introductory rate on purchases and balance transfers for 2 years.
Earn up to 4X points AND receive 15,000 bonus points.
Get more value with up to 5% cash back in 2 categories you choose.
Earn 4X points on eligible travel and more, plus receive 25,000 bonus points.
Enjoy premium rewards and benefits, plus receive 50,000 bonus points.
Earn 1.5 points for every $1 you spend on eligible purchases.
Improve your credit score while earning up to 5% cash back.
Perfect for establishing and improving credit.
Financing for cars, trucks, SUVs, motorcycles, motorboats and more.
Borrow against your life insurance without getting a new loan.
Access the equity in your home for large expenses, unexpected costs, renovations and more.
Easy, affordable access to funds for everything on life's to-do list.
Preserve cash flow while securing the coverage you need.
You've got dreams, and we've got a way to help you get there.
Convenient banking benefits for employees at your workplace.
A knowledgeable team prepared to help you achieve your business goals.
Explore articles to power your business's financial future.
Quick tools to help make informed estimates.
Financial planning advice tailored to your journey.
Watch helpful videos on banking tips, tools, and resources.
Cybersecurity tips to safeguard your company’s data and privacy.
Find quick answers to common banking questions.
Meet your business goals with tools and tips from Ameris Bank.
High-touch banking and specialized lending solutions for discerning clients.
Tailored for student life and your unique needs.
Explore articles to power your business's financial future.
Quick tools to help make informed estimates.
Financial planning advice tailored to your journey.
Watch helpful videos on banking tips, tools, and resources.
Cybersecurity tips to safeguard your company’s data and privacy.
Find quick answers to common banking questions.
Tap into our financial tools and resources to give your business an edge.
Explore articles to power your financial future.
Financial planning advice tailored to your journey.
Quick tools to estimate loans, savings, mortgage costs and more.
Stay safe online with tips to protect your data and privacy.
Watch helpful videos on banking tips, tools, and resources.
Find quick answers to common banking questions.
At Ameris, we focus on your finances so you can focus on your family.
Work with a mortgage lender who's always working with your best interests in mind.
Ameris Bank offers plenty of mortgage options. We'll help you find the one that fits your budget and lifestyle, all while providing any guidance you need along the way.
Lock in your interest rate for the life of your loan so your monthly principal and interest payments stay predictable.
With an ARM, your interest rate is fixed for a shorter period of time before adjusting to a variable rate. It's a good option if you plan to sell your home after a few years.
Here's a simpler financing option when building your home. You could save on costs and fees with a one-time closing with our construction-to-permanent loan.
If you don't have enough money saved for a traditional 20% down payment, financial assistance could be available to help you realize your dreams of homeownership.
These customized mortgages range from options for medical professionals to loans with extended rate locks to Jumbo Loans that go beyond conventional limits.
Learn. Grow. Bank Confidently.
Down payments vary and most times, it depends on what you and your mortgage banker decide. Remember, the higher the down payment, the lower the monthly mortgage payments. If your down payment is less than 20%, you may be required to pay for private mortgage insurance.
Pre-Qualification is the amount of a loan you qualify for based on a preliminary analysis of your assets, debts, and sources of income conducted by your Mortgage Banker. This is done before you look for a home. After you have found a home and you are ready to purchase, you will formally apply for a loan and you will be asked to provide documentation such as pay stubs, bank account information, etc.
Purchasing a single-family home and condominium are very similar, you may need additional information from the homeowners association, but either way, your mortgage banker will walk you through the process and help you collect the documents you need.
A credit report outlines your credit history, showing that you have paid your debts on time, if you have ever made a late payment or if you have failed to make a payment.
Discount points are the costs to secure a lower interest rate. One point is equivalent to 1% of the dollar amount of the loan. The more points you pay on a loan, the lower your interest rate.
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.
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