Debbie Smith - Ameris Bank Mortgage

Debbie Smith

Mortgage Banker, NMLS #415626

How can I help you achieve your goals?

With more than 25 years of experience in the mortgage industry, Debbie T. Smith began her career in banking in 1978, and she is well-versed in a wide range of financing programs and solutions, including Conventional, FHA, VA, USDA, Construction-Permanent and non-conforming/jumbo loans. She takes great pride in helping her customers achieve the dream of homeownership, working tirelessly to provide each customer with an exceptional mortgage experience.


  • Construction-to-Permanent Loans
  • 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.

    Start Your Search
  • 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.