Ray Cottrell

Mortgage Banker, NMLS #1501158

How can I help you achieve your goals?

When you began the home buying process, finding a team to support you and your home ownership dreams is the first step. I am so grateful to have been a part of the success stories for many home buyers from all walks of life. The approach that I take is simple: Sustainable home ownership based on solid home buyer education. I want you to have all of the information that you need to make the best home buying decision for you! With years of service in the financial industry, and the support of a world class organization, now is the best time to start on your path to home ownership. Connect with me today and let’s start your journey today.

Specialties

  • Conventional Loans
  • First-Time Homebuyer Loan Programs
  • Specialized 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.

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    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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