Mike Malloy - Ameris Bank Mortgage

Mike Malloy

Mortgage Banker, NMLS #161968

How can I help you achieve your goals?

With over 34 years in the mortgage business and over one billion in closed loans I've been able to work with a variety of clients and products. My goal is always the same. I strive to help the client pick the right product that suits their needs and their goals, to be available to my clients and to make sure they understand the process, the costs, and what will be expected of them during the process. Like the old Holiday Inn commercial says "the best surprise is no surprise." So fully disclosing everything  and always being upfront with the client has served me very well during my 34 years. This business practice has worked very well as I have been fortunate enough to get repeat business from my past clients, and members of their family. I look forward to working with you!


  • Adjustable Rate Mortgages
  • Vacation Home Financing
  • Fixed-Rate Mortgages
  • Jumbo Loans
  • Refinancing

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.

Recent Reviews

You've Come To The Right Place

  • Down Payment Assistance

    We want to make homeownership dreams a reality.

    Learn More
  • 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?

    Learn More

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.

Apply Now
Young couple laughing while renovating new home.