Russell Fernandes

Senior Mortgage Banker, NMLS #1706539

How can I help you achieve your goals?

Russell Fernandes takes great pride in providing his customers with an exceptional mortgage banking experience. In recent years, Russell has received the Mortgage Bankers Association of Georgia's Rising Star Award, Gold Award, and Platinum Award. Quite an achievement for a newbie to the industry!

Russell has a Masters Degree in Business and over 10 years of finance and loan experience.  Using his skillset has been beneficial for borrowers among all walks of life. 

Heavily active in his community, he has served on over a dozen local leadership boards. An avid dog lover, Russell is most proud of helping fundraise and create the North Augusta Bark Park with the the North Augusta Leadership Class of 2015.


  • Construction Financing
  • First-Time Homebuyer Loan Programs
  • Government Loans
  • Relocations
  • Renovation Loans
  • VA Loans


  • 2023 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.