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Sebastian Riveros

VP, Mortgage Banker, NMLS #1312416
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How can I help you achieve your goals?

Sebastian is a Vice President Mortgage Banker for Ameris Bank. He has 9 years of experience in the mortgage industry and takes great pride in providing his customers with an exceptional experience. Sebastian is adaptive in the ever-changing industry, providing the latest information and lending solutions to his clients. He is also active in the Hispanic real estate community in Atlanta, previously serving as the President of NAHREP Atlanta in 2022. The organization is a nationwide non-profit that promotes sustainable and affordable home ownership for all Hispanics. Sebastian has used his passions to help all people achieve the American dream of homeownership.


Adjustable Rate Mortgages
Construction-to-Permanent Loans
FHA Loans
First-Time Homebuyer Loan Programs
Fixed-Rate Mortgages
USDA Loans
VA Loans

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

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Down Payment Assistance Finder

Use Fannie Mae’s down payment assistance search tool to find programs for which you may qualify.
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Home Ownership Advice

Which Mortgage Loan is right for you?
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Down Payment Assistance

We want to make homeownership dreams a reality.
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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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