Phillip Breaux

Mortgage Banker, NMLS #1657430

How can I help you achieve your goals?

Phillip Breaux entered the mortgage industry after 10 years as a teacher in the public school system in Atlanta, Georgia. Specializing in residential lending, Phillip's goal with each client is to give them a full understanding of one of the largest investments they will make in their life, their home. He strives to always provide an exceptional level of customer service. We all know that the home purchase process is exciting, but can be a very intimidating time as well, so Phillip's focus is to guide you through this journey from the start to the finish line on closing day. Phillip believes the mortgage process is not simply a transaction; it's about relationship and trust. If you or anyone you know are in the market to buy or refinance, please feel free to reach out to Phillip for assistance.


  • Adjustable Rate Mortgages
  • FHA Loans
  • Fixed-Rate Mortgages

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.