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  • Account Payable Solutions

    Manage business expenses with secure, streamlined payment solutions.

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    Protect your business with advanced tools to detect and prevent fraud.

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    Core tools to manage cash flow and optimize liquidity.

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    Protect your accounts with advanced check and ACH fraud prevention.

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Send payroll, vendor payments, or customer refunds securely and efficiently.

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No minimum balance, 300 free items, and easy mobile banking. 

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Fuel your next chapter

Flexible financing to invest in equipment, locations, or working capital tailored for your business goals.

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Receive personalized service from a commercial banker who understands your industry sector. 

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Make your dream home a reality

Understand what happens, when it happens, and what you need along the way.

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Earn up to 3% cash back on every purchase. No annual fee. Unlimited cash card. Offer expires 1/31/27.

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Your home holds the key

You've got dreams, and we've got a way to help you get there.

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Take care of business

Meet your business goals with tools and tips from Ameris Bank.

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    Tailored for student life and your unique needs.

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Meet your business goals

Tap into our financial tools and resources to give your business an edge.

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Starting a Family
Your family's financial future

At Ameris, we focus on your finances so you can focus on your family.

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Flexible Mortgage Solutions

Not every qualified borrower fits a traditional mortgage formula.

Find the right solution

Whether you're self-employed, earning 1099 income, investing in real estate, leveraging significant assets, or purchasing a condo that doesn't meet traditional lending requirements, Ameris offers financing solutions designed around your needs.*

Self-Employed Business Owner

Bank Statement Loans

Independent Contractors

1099 Income Qualification

Asset-Rich Borrowers

Asset Depletion & Asset Utilization Loans

Real Estate Investors

Debt Service Coverage Ratio (DSCR) Loans

Complex Financial Profiles

Portfolio Lending Solutions

Condo Buyers Facing Financing Challenges

Non-Warrantable Condo Financing

Why Choose Ameris?

When traditional financing isn't the right fit, the difference is having a lender with the experience, flexibility and resources to understand your unique financial situation and help identify the right path forward. Backed by the strength and stability of Ameris Bank, our mortgage team offers specialized financing solutions and the ability to lend in 49 states, helping more customers achieve their homeownership and investment goals.

Solutions for Self-Employed, Independent Contractors & Asset-Rich Borrowers

Bank Statement Loans

For business owners whose tax returns may not reflect their actual cash flow.

Best For:

  • Self-employed borrowers
  • Small business owners
  • Entrepreneurs
  • Freelancers

1099 Income Qualification

Designed for borrowers who receive income through 1099 forms rather than traditional W-2 employment.

Best For:

  • Independent contractors
  • Sales professionals
  • Consultants
  • Gig economy workers

Asset Utilization & Asset Depletion

Use eligible assets as part of the qualification process when traditional income may not tell the full story.

Best For:

  • Retirees
  • High-net-worth individuals
  • Borrowers with significant liquid assets

Real Estate Investor Solutions

DSCR Loans

Building a legacy through real estate is an amazing goal, but traditional debt-to-income rules can often slow you down. DSCR Loans are built to help you grow. This option focuses on the property’s potential, not your personal paycheck.

Best for: 

  • Real estate investors
  • Rental property owners
  • Portfolio builders
  • Short-term rental investors
  • Borrowers seeking to qualify based on property income

Solutions for Unique Financial Situations

Portfolio Lending Options

Flexible financing solutions for investors or borrowers whose situations may require an individualized review.

Best For:

  • Borrowers with complex financial profiles
  • Unique property types
  • High-net-worth individuals
  • Multiple income sources

Non-Warrantable Condo Solutions

Non-Warrantable Condo Financing

Many condo communities don't meet traditional agency requirements, making financing more challenging. Ameris offers financing solutions that may help borrowers purchase condos that fall outside standard lending guidelines.

May be a fit for:

  • Condo hotels (condotels)
  • Investor-concentrated communities
  • New developments
  • Mixed-use properties

Contact an Ameris Bank Mortgage Banker today!

Find a mortgage banker

* All loans are subject to credit approval. Additional eligibility requirements may apply. Program requirements and availability subject to change.

Ameris Bank makes homeownership convenient with our mortgage loan options. Contact a mortgage banker online or visit a branch location throughout AL, GA, FL, SC, NC, VA, MD and TN.

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