How to Apply for a Mortgage

How to Apply for a Mortgage

Whether you’re a first-time homebuyer or you’ve been through the process before, applying for a mortgage can be daunting.

While there are several steps to complete before you can get into your home, at Ameris Bank, we've been helping people apply for mortgages for years! We'll be with you at every step in the process. 


At Ameris, we strive to make the application process convenient. There are multiple ways to get your application started: 

  • Access the application online at any time, from any! Find a mortgage banker and click ‘Apply Now’ button on their website to create an account and get started. Once submitted, we will be in touch with more details.
  • Call one of our Mortgage Bankers to discuss the process and help guide you through the application.
  • Visit a banker at one of our locations for in-person assistance. 


There can be quite a few but don’t worry, we’re here to make sure you’re prepared. Review our full checklist of documents here.  

Accepting the Terms

Next, your Mortgage Banker will provide you with a loan estimate disclosing all of their fees within three days of submitting your loan application. This estimate will fully disclose the terms and conditions of the mortgage, including the Annual Percentage Rate (APR) and other charges. 

You have 10 days to review this document and decide if you wish to accept the offer. If you accept, we will begin processing your loan and schedule an appraisal to check the current market value of the home. During processing, we are collecting and reviewing the documents you submitted, and we will reach out to your employer, credit bureaus and other entities that can provide relevant information  

Your loan will move to underwriting once all required documents are received. An underwriter will review everything to determine if your loan can be approved or denied. It's common for them to ask questions and ask for additional information. Try to respond quickly! 

Final Steps

From there, you’re approaching the finish line. For the final steps, visit The Mortgage Journey on our website. 

Now that you know what to expect, visit our Find a Mortgage Banker page to get started!  

Revised November 2022

Information presented in the Financial Advice website is provided for educational purposes only and is not related to Ameris Bank's actual products or services. Ameris Bank makes no representations as to the accuracy, completeness or specific suitability of any information presented. Information provided should not be relied on or interpreted as accounting, financial planning, investment, legal or tax advice. Ameris Bank recommends you consult a professional for any specific guidance you are seeking.