Tammy Merritt - Ameris Bank Mortgage

Tammy Merritt

Mortgage Banker, NMLS #495048

How can I help you achieve your goals?

Tammy has worked in the mortgage and banking industry for over 25 years. She has an Associate's Degree from Southern Union State Community College, and is happily married with three wonderful children. She also has two grandchildren that she adores. She is a member of the Valley Kiwanis Club where she served as a past President. She is also a member of Lanett Congregational Christian Church. In her free time, she loves to travel (to Disney World) and spend time with her family & friends.


  • Adjustable Rate Mortgages
  • Conventional Loans
  • FHA Loans
  • VA Loans

Mortgage Calculators

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.

Watch the Ameris Bank Loan Process

From finding a Mortgage Banker to welcoming your new Home, find out how the loan process works.

You've Come To The Right Place

  • Down Payment Assistance

    We want to make homeownership dreams a reality.

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  • Down Payment Assistance Finder

    Use Fannie Mae’s down payment assistance search tool to find programs for which you may qualify.

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  • Home Ownership Advice

    Which Mortgage Loan is right for you?

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Your Success is Our Job

At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you through the process and keeping you updated with your loan status each step of the way.

Ameris Bank Mortgage Services is backed by Ameris Bank, a strong and stable community bank built on relationship banking and customer service.

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Young couple laughing while renovating new home.