Rachael Gilbert

Mortgage Banker, NMLS #737430

How can I help you achieve your goals?

Rachael Gilbert brings more than 21 years of experience in the financial industry to Daytona Beach, Florida and surrounding areas. As a high-producing mortgage loan officer in the region, she’s helped hundreds of clients achieve the dream of homeownership. Rachael is well versed in conventional, FHA, VA, USDA and construction to perm loans.

Rachael is a Women United (United Way affinity group) board member, Daytona Beach Area Association of Realtors member, Volusia Building Industry Association member, Flagler Homebuilder Association member, Flagler County Association of Realtors member, Astor Chamber of Commerce member, Flagler Women’s Council of Realtors member, Daytona Women’s council of Realtors member, and past Chairwoman of the Ormond Beach Chamber of Commerce. Having grown up in Ormond Beach, she’s proud to call the area home with her husband, Tom, and 14-year-old son, JT. Outside the office, Rachael enjoys hunting, fishing and watching her son play baseball.


  • Construction-to-Permanent Loans
  • Jumbo Loans
  • 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.

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Your Success is Our Business

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.