Ameris Bank · Bank
Ameris Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: * All loans are subject to credit approval. Additional eligibility requirements may apply. Program requirements and availability subject to change.
Our take: Pros & Cons
What we like
- Bank Statement Loans are listed for self-employed business owners whose tax returns may not reflect cash flow.
- 1099 income qualification is listed for independent contractors and similar borrowers.
- Eligible assets may be used in asset-utilization or depletion qualification.
What to consider
- All loans are subject to credit approval; additional eligibility requirements may apply and program availability may change.
- The reviewed page does not state visa, SSN/ITIN, foreign-credit or foreign-income acceptance. Confirm the specific program with a mortgage banker.
- The page says Ameris can lend in 49 states but does not identify all 49; program-specific state availability remains unconfirmed.
AI-generated lender-level assessment based on published information. Not a verified assessment of Portfolio Lending Options; confirm program-specific conditions below.
Additional lender considerations
- DSCR options focus on property income for real estate investors.
- Financing options are listed for condos outside standard lending guidelines.
- No numeric advertised interest rate or APR appears on this program page. Request current pricing and a Loan Estimate.
Newcomer requirements
Portfolio Lending Options
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
View full lender requirements
- Other conditions
- * All loans are subject to credit approval. Additional eligibility requirements may apply. Program requirements and availability subject to change.
Questions to confirm with the lender (16)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
Portfolio Lending Options
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Portfolio Lending Options
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Ameris Bank lists flexible mortgage options for self-employed borrowers, independent contractors, asset-rich borrowers, real estate investors and non-warrantable condo buyers. Bank-statement, 1099, asset-utilization/depletion, DSCR and portfolio pathways are described; detailed newcomer eligibility and pricing require lender confirmation.
Legal lender: Ameris Bank
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 408099
More lender directory information
Direct application information ↗
* All loans are subject to credit approval. Additional eligibility requirements may apply. Program requirements and availability subject to change.
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 24, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.