Whether you are just beginning your residency or growing your practice, Ameris Bank offers a mortgage doctor loan designed to meet your needs.

The Ameris Bank Doctor Loan provides more flexible underwriting guidelines compared to a conventional mortgage loan. Because of the unique needs of medical professionals, we take into account the needed flexibility surrounding student loan debt, time on the job, and down payment.

Benefits of Home Mortgage Doctor Loan:

  • Up to 100% financing
  • No private mortgage insurance required
  • Loan amounts up to $1,500,000
  • Available to Residents, Fellows, MDs, Osteopaths, Dentists, Pharmacists, Veterinarians and Doctors of Osteopathic Medicine (DO).
  • Ability to close on your loan before employment start date. Must have employment contract and start date within 60 days of closing.

Program Details:

  • Primary Residence Only
  • Establish a relationship with Ameris Bank: open a personal checking account and set up mortgage payments to auto-draft from account monthly
  • May not be out of residency/fellowship more than 10 years
  • Other eligibility requirements apply