Pat Howard - Ameris Bank Mortgage

Pat Howard

Senior Mortgage Banker, NMLS #545234

How can I help you achieve your goals?

With 22 years of mortgage banking experience, Pat has the knowledge and expertise to guide his clients to the right program. Pat, along with the Ameris Bank team, will always keep their clients informed and ensure loans are closed on time. Pat is happy to provide referrals from his long-time real estate professionals and satisfied customers. Buying a home is one of the biggest purchases most of us make. We've seen it all. And we understand how you feel. Once you finally find the perfect home, let us help you quickly find the perfect mortgage.

Specialties

  • 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.

Watch the Ameris Bank Loan Process

From finding a Mortgage Banker to welcoming your new Home, find out how the loan process works.

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 Job

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.