Steven Smith - Ameris Bank Mortgage

Steven Smith

Mortgage Banker, NMLS #213936

How can I help you achieve your goals?

Helping borrowers achieve their dreams of home ownership, or refinancing is something that gives me great satisfaction. I enjoy educating the borrowers on what the process of being a homeowner/refinancing, is all about, as well as what is going to be most beneficial for their unique case. Together we analyze and explain to you your financial situation, and what's available as resolutions. Eventually - we are able customize the right mortgage solution for your specific financial needs. I've been in the mortgage industry for over 25 years, and I enjoy working, and serving others during the purchasing or refinancing process. I work to communicate and be responsive to my borrowers throughout the entire process, ensuring that I keep them as informed as possible throughout the entire buying/ refinancing journey. I specialize in government financing, FHA/ VA, USDA, but because of my experience and skill set, I'm equally as knowledgeable in Conventional and Jumbo financing as well. I have worked with down payment programs for both FHA, and Conventional loans. I would consider it a privilege and be very excited to put my experience to work for you in assisting you in achieving your mortgage goals. I graduated from Jacksonville State University in December 1981 with Major in Business Administration, and Minor in Sociology. I also served in the Alabama Army National Guards for 10 years and resigned as a Captain. My unit was 167 MMC (Management Material Company) - I was a Quartermaster Officer (Materials and supply). I am a member of several Realtor Associations in Atlanta.

Specialties

  • Conventional Loans
  • Down Payment Assistance Loans
  • FHA Loans
  • Government Loans
  • Jumbo 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.

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.

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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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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.