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Layna Kirkham

Mortgage Banker, NMLS #1040753
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2121 Killarney Way Suite A
Tallahassee FL 32309
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(850) 264-3830
layna.kirkham@amerisbank.com
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How can I help you achieve your goals?

Born and raised in Tallahassee, Florida, Layna Kirkham has more than 25 years in the title and mortgage industries. She takes great pride in helping her customers achieve their dream of homeownership and providing each customers with an exceptional mortgage experience. She stays informed of current industry news and trends, providing the most up-to-date information and lending solutions to her customers.
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Specialties

Adjustable Rate Mortgages
Construction-to-Permanent Loans
Down Payment Assistance Loans
FHA Loans
First-Time Homebuyer Loan Programs
Fixed-Rate Mortgages
Portfolio Loan Products

Loan Process

Before You ApplyWhen You ApplyBorrower's ChecklistAfter Your ApplyWelcome Home

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.
Time to RefinanceHome AffordabilityCompare Two Mortgage LoansAdjustable Rate Mortgage AnalyzerCalculate a Mortgage PaymentRent or BuyProceeds from Sale of a Home

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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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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Down Payment Assistance

We want to make homeownership dreams a reality.
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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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