Guide to Financing Your Harcrest Custom Home

July 20, 2022

Choosing to build your dream home with Harcrest Homes is an exciting step. As you begin the purchasing process, learning about your custom home financing options can seem confusing and complex. Luckily, our team is always available and happy to help you every step of the way!

Custom Home

We want to give our homeowners clarity on what they can expect as they begin their homebuying journey. We chatted with one of our preferred lenders, Jeff Ruehman with Ameris Bank, to discuss the lending process, tips for Harcrest homebuyers preparing to apply for a loan and their thoughts on the current rate environment.

What can buyers expect throughout the lending process?

Although the lending process varies for each customer, most cases typically follow a similar outline. Borrowers often start with a phone consultation where they discuss their goals with an Ameris Bank representative. Then, they complete an online application and become pre-qualified. While they’re looking at homes, Ameris Banks collects required documentation. When homebuyers nail down the design details for their new custom home and sign the Harcrest purchase agreement, Ameris Bank moves forward by verifying employment to complete a loan approval. Next, Ameris Bank brings our homebuyers to the closing table!

Any advice for Harcrest homebuyers preparing to buy a home?

The best thing homeowners should remember is to be proactive as they enter their homebuying journey. Once you’ve decided to build your dream home with Harcrest, don’t wait to begin the lending process! Make sure you reach out to your lender as soon as possible. It’s important to ensure that you qualify for a suitable loan before getting too far in the homebuying process.

What documents/information do homebuyers need to provide when applying for a loan?

For the majority of buyers, the list of required documents needed for a loan application is fairly simple. The necessary information homebuyers should be prepared to provide include:

  • Most recent 30 days of paystubs.
  • 2 years of W-2 forms.
  • 2 years of tax returns.
  • 2 months of bank statements, including retirement accounts.
  • Copy of driver’s license.
  • 2 years of residency and employment history.
  • Basic personal information, such as social security number.

Those applying for special loan programs may also need to provide additional documents. The list above is a great start for those preparing for the lending process. For most homebuyers, this information is all you need to ultimately earn approval and be one step closer to creating your dream home!

Why should homebuyers apply for a loan with Ameris Bank?

Ameris Bank is the number one mortgage lender in Georgia. They offer low rates and affordable closing costs compared to the typical market rates. Their team is made up of expert, experienced loan officers. They also provide top-level service, as well as a range of special packages with custom home financing options well-suited for our homebuyers.

What are the different loan programs available to borrowers?

Ameris Bank offers virtually every mortgage loan program available on the market. Some examples of their offered plans include:

  • Conventional
  • Jumbo
  • FHA
  • VA
  • USDA
  • Bond Programs
  • Portfolio Loans
  • Medical Professional Loans
  • Construction Permanent Loans
  • Fixed-rate
  • Adjustable interest only

How will rising interest rates affect homebuyer mortgages?

Rising rates are expected to shrink homebuyers’ ability to qualify for and afford homes. However, interest rates remain at historic lows compared to prior years, with the exception of the last few years. Rates are still very affordable, so homebuyers should not feel dissuaded from exploring their loan options.

Often, homebuyers qualify for more than they need to buy. In practice, rising rates will affect affordability more than qualification.

Is there anything else buyers should know about the lending process?

First, the overwhelming majority will qualify, it’s less common to receive rejection than many homebuyers may think. People believe getting a mortgage is an intimidating process, and they may feel discouraged before they even apply. Rather than delivering immovable rejections, Ameris Bank works with homebuyers to provide insight into steps they can take to improve their application and achieve loan approval. Homebuyers should always take the first step by starting the loan application process and receiving advice from their lender.

Next, homebuyers should go with a local, reputable lender who came as a recommendation from their builder, real estate agent, friends or family. It’s important to use a qualified, experienced lender who will counsel them and make sure the process goes smoothly. Ameris Bank aims to accommodate every single loan and close on time.

Finally, it’s still a very good time to buy! The media may persuade homebuyers to believe otherwise, but Ameris Bank offers low mortgage interest rates and suitable loan options that fit your lifestyle, current financial situation and future plans.

To learn more about Ameris Bank, click here. Find more information on purchasing a home with Harcrest Homes by visiting