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Nina Efird - Ameris Bank Mortgage

Nina Efird

Area Branch Manager, NMLS #659399
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804 Omni Blvd. Suite 103
Newport News VA 23606
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(757) 810-3628

How can I help you achieve your goals?

As a seasoned veteran in the mortgage field, Nina brings more than 30 years of experience to her clients. With her vast experience in real estate and mortgages, she has the unique ability to understand the expectations and needs of all parties involved in the mortgage financing process. Nina is known throughout the community for her ability to quickly identify and match each individual's goals with the appropriate loan products and ensure that her clients' needs and expectations are met. Her extensive knowledge and experience are not all she has to bring to the table. Nina's outgoing personality and determination push her to the forefront of the financing industry. Nina began her mortgage career with a bang, receiving Rookie of the Year in 1993. She has been a consistent top producer throughout the years, and in 2009 Nina was honored as #1 in her company for VA loan transactions. She has also been honored as a top producer since 2004. Over the past 30 years, Nina has learned to not only focus on one need a customer may have, but on all aspects of the mortgage financing process. Whether her client is a first-time home buyer (VHDA, VA, FHA), a private wealth customer or physician, or simply refinancing an existing mortgage, Nina understands the importance of her customers' needs during this significant decision in their life. Working to continually be involved in the real estate community, over the years Nina has served on many committees, including The Virginia Peninsula Association of Realtors and The Peninsula Home Builders Association. She has received numerous prestigious awards including 2003 and 2014 VPAR's Affiliate of the Year and the 2008 Peninsula Homebuilders Association's Associate of the Year. Nina graduated from Lenoir Rhyne College with a BS in Medical Technology and obtained her MT Certificate from Duke Medical Center. After years of being a medical technologist and starting a family, Nina was drawn to the flexibility and future potential growth of the real estate industry and has never looked back.


Construction-to-Permanent Loans
First-Time Homebuyer Loan Programs
VA Loans


2020 Mortgage President's Club
2021 Mortgage President's Club
2022 Mortgage President's Club
2023 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.

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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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