Down Payment Assistance
We want to make homeownership dreams a reality.Learn More
Rick Morgan has been a mortgage banker since 2011 and has helped hundreds of buyers achieve the dream of homeownership. Whether purchasing, refinancing, renovating, or building a home, he works with each buyer to provide mortgage options to fit their unique financial situation. A longtime Durham resident and family man, Rick is an active member of his local church and Home Builders Association.
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.
From finding a Mortgage Banker to welcoming your new Home, find out how the loan process works.
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.