Courtney Efird

Mortgage Banker, NMLS #659400

How can I help you achieve your goals?

Courtney has been in the mortgage industry for 13 years and couldn’t imagine doing anything else with her life. Her mother is a Loan Originator and her Father is a Realtor so being raised in a real estate family it was only natural for her to follow her mother’s footsteps and become a Loan Officer. After helping her father during the Summers in high school, she went to the University of South Carolina Moore School of Business and graduated with degrees in Marketing and Business Management. Out of college she started working for a government contractor utilizing her marketing degree, but after 2 years she was pulled back in to the real estate world. She started with her mother in 2009 as an Assistant and never looked back. She enjoys the challenges of an ever-changing industry and getting to help people achieve the dream of homeownership. Ameris Bank provides her with the products she needs to help borrowers across all aspects of life. From first time home buyer to Renovation to Construction Perm to Physician loans- she is able to grow with her clients’ needs and find a product that fits them. Her passion for people, relationships and friendships helps her build connections with her customers that make them clients for life.


  • Construction Financing
  • First-Time Homebuyer Loan Programs
  • Renovation Loans
  • VA Loans


  • 2021 Mortgage President's Club
  • 2022 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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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.