Julie Beaty

Vice President, Mortgage Banker, NMLS #545251

How can I help you achieve your goals?

With more than 24 years of banking experience, Julie Beaty applies her knowledge of financing options and advanced technology to make the loan process positive and simple for her clients. She has extensive industry knowledge, experience, and a commitment to outstanding customer service. Julie believes that a mortgage should be a relationship, not a transaction, and works with each client to help build a mortgage financing program that best meets their individual needs and equity objectives. Whether you are building the home of your dreams, buying your first home, or refinancing an existing loan, Julie has the expertise you need. She is a member of Mortgage Bankers Association of Georgia (MBAG) and multiple year Diamond award winner, closing $60-$120 million in mortgages each of the past several years. Julie is also a renovation and construction loan specialist.

Matt Upchurch’s vast experience in the mortgage industry allows him to find unique solutions to best meet clients’ needs. His career started over 10 years ago in operations, which helps him to truly understand what it takes to get a loan closed. He embraces the customer experience and strives to help each client reach their goals in the most cost-effective way possible. While handling primarily new home purchases and refinances, Matt is a construction and renovation financing specialist for those with more unique financing needs.


  • Adjustable Rate Mortgages
  • Construction-to-Permanent Loans
  • FHA Loans
  • First-Time Homebuyer Loan Programs
  • Fixed-Rate Mortgages
  • Jumbo Loans


  • 2020 Mortgage President's Club
  • 2021 Mortgage President's Club
  • 2022 Mortgage President's Club

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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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.