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Jim Garrison

VP, Loan Officer, NMLS #119150
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How can I help you achieve your goals?

With over 25 years of mortgage lending experience, Jim Garrison is here to guide homebuyers through the 'mortgage maze.' Jim is passionate about structuring home purchases in a manner that's most beneficial to clients now and in the long run. He keeps clients informed every step of the way. Jim believes if you have to call him to find out the status of your loan, then he has failed. Contact Jim today to find a loan that best meets your financial needs and get to closing on-time with the least amount of stress possible.


Construction-to-Permanent Loans
FHA Loans
USDA Loans
VA Loans


2020 Mortgage President's Club
2021 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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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 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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