Terrell Stubbs

Mortgage Banker, NMLS #285157

How can I help you achieve your goals?

Terrell believes that every customer has unique needs. His philosophy is to listen to each customer’s needs and respond to those needs individually, efficiently and effectively. Another firm belief is that service is the key to building strong and lasting relationships with borrowers and business partners alike.

Terrell is dedicated to providing superior service and personal expert guidance throughout the home financing process. With many years of real estate and mortgage lending experience, Terrell’s knowledge of the industry is a huge part of what separates him from other mortgage bankers. This varied industry experience provides for a smooth mortgage process, from origination through to closing, to help put his customers at ease as they purchase or refinance their dream home.


  • Conventional Loans
  • FHA Loans
  • Jumbo Loans
  • 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.

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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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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Young couple laughing while renovating new home.