Down Payment Assistance
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With more than 33 years of experience, Phil Urick has helped thousands achieve their goal of homeownership. Whether you are looking for a medical loan, construction to permanent financing, or if you are a first-time home buyer or wanting to refinance an existing loan, Phil has a solid understanding of the local real estate market and what it takes to close your loan with efficiency and expertise., Whether you want to buy a house, build your dream home or refinance your existing mortgage, he can help you find the financing solution that's right for you. Phil has experience in all types of loan programs and is always available to help you with your mortgage needs. A proven mortgage professional, his attention to detail will make your mortgage process run smoothly and easily. As his client, you can count on fast, reliable top-tier service from your first contact through your final loan payment.
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.