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About AmeriSave Mortgage
AmeriSave Mortgage Corp. (NMLS #1168) is an online, direct-to-consumer lender that offers home purchase loans in 49 states and Washington, D.C. The company also has refinance options for those who want to adjust their rate or term or take out cash. AmeriSave has helped over 664,000 borrowers, funding over $115 billion in loans since it was founded in 2002.
Pros & Cons
Pros
- Customized rate quotes in minutes
- Lock in rate for 90 days and shop homes
- Loan officers available to answer questions via chat
- Closing in as little as 25 days
Cons
- Not available in New York
- No HELOCs or home equity loans
Bottom Line
AmeriSave Mortgage offers a wide range of loan programs in most states. It has competitive rates for eligible borrowers buying a home or refinancing an existing loan. You can check your rates and get pre-qualified without any effect on your credit score.
AmeriSave Mortgage Reviews
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We needed some money to pay down some debt and take care of some things, and we are in a very unique situation. We're in a Chapter 7 bankruptcy that was discharged a couple of years ago, and there are certain rules and guidelines in the mortgage industry around when people are allowed to do refinances. We were really trying to find someone who was willing to work with us and give us the best possible deal. My wife used the web and found Amerisave. We gave them a shot and did a cash-out refinance. It was easy even though there was a lot of crap we had to do, and from the moment the lady, Joanna, reached out to me, they were excited to help. They really wanted to get this done to help me and that's why we continue to work with them.
It wasn't all sunshine and rainbows, but I don't think it was Amerisave fault. It was just a lot of stuff and I had to keep an eye on myself. "Hey, this didn't line up with this." I bought points to bring down the rate, but it was the best rate that had been offered to me yet and I had talked to two other mortgage companies. The one before Amerisave couldn't help me due to some other issue, and I wasn't happy with that. I was also talking with my current mortgage company, because they wanted to do a refinance, but they were waiting to start things until a specific date. I like the fact that Amerisave was willing to get the ball rolling before this pivotal date that they couldn't go any further with. At least we could get stuff out of the way. There was a lot of questions around my particular scenario and some of the document processes that went along with it.
I'm an old-school Gen Xer, and I like to talk to people. I look at personality, and how someone interacts with another person is a big plus. Joanna was super friendly and knowledgeable. I can be quite the annoying consumer, but nobody seemingly got angry with me, at least to my face. Amerisave was responsive and we took care of it and they clarified things. They did what they said they were going to do. They did a great job and I don't think they could have done it any better. I was always on it, checking things daily and messaging them, and I didn't give them the opportunity to respond to me or to be proactive in certain situations because I was always super in their face. I would recommend that people give Amerisave a shot.
Mr. Anderson, thank you for being a valued client of ours. Your feedback is very much appreciated. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
I've never gone through a mortgage that was as easy as this, compared to in the past, where they could get very intrusive and stressful. The uploading was intuitive. It was the bare minimum that you need, but it worked. It was still streamlined and easy to use. The rep I worked with was good and very knowledgeable. Worked with me even on things that are future type stuff.
James, thank you for your feedback! We work hard to offer the best mortgage experience which is supported by your kind words. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
I was looking into refinancing my house. Everybody was calling me and pushing me to make a decision and I hate that. Richard from AmeriSave was the only one that didn't. He gave me my options and he let me make the decision. The application process was very easy. I wasn't aware that I was going to have to upload all of these things until I got ahold of Richard. I let him know how I wanted to go about it and he said, “I'm gonna hook you up with the loan processor.” But even though he had to branch me out to the loan processor, he still was my main point of contact.
He took care of me all the way. He would text me and call me. We needed the papers from the insurance. He sent me an email and said, “I have it all right there. All you have to do is forward that to your insurance company.” They took care of the rest. He fixed it all for me. The only thing I had to do was take a picture of my ID and upload it. It was very straightforward after I had made my decision. It was very simple as to my end of it and Richard really helped me out with that.
Eric, thank you for your positive review. We are committed to providing an excellent mortgage experience for our customers and are delighted to read these kind words. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
I got the process with AmeriSave Mortgage started online, and then I got connected with Ryan. He was extremely busy, but he did his absolute best to manage his workload and work with me. It was a hybrid in terms of online, and then over the phone. The underwriters are extremely thorough and I had to find some really obscure information. From beginning to close, the process took over a month. It was a painful month and it's nobody's fault. They have to have documents and that's just the way it is. Overall, AmeriSave did everything they had to do.
Austin, thank you for being a valued client of ours. Your feedback is very much appreciated. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
AmeriSave made the process a lot easier and quicker, which to me is very important. Also, the rep who helped me was great. The whole process was a lot quicker than the other banks I was working with. The only thing was I was looking at a duplex to live in also and it’ll be my second home there. But AmeriSave is requiring a 20% down for a program like that, while a lot of other banks only require less than a 10% down.
Tam, thank you so much for your wonderful review! We are so please to hear that you enjoyed working with AmeriSave. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
From start to finish, they were outstanding. I was never left in the dark about anything. The rep was very thorough and we had constant communication. She was wonderful. The application process was very easy and straightforward.
Ms. Boyle, thank you for your review. We're so happy to hear that our team had a positive impact on you. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
We were in the process of selling our home and then purchasing a new home. We were not satisfied with the current mortgage company we were working with so I did a Google search and picked AmeriSave. The process was very simple for the most part. We had all of our documentation accessible because we had already been going through the process with another company. Everything was pretty seamless. We sent everything in one afternoon and we were semi-approved. We got the final approval the next day and we kept getting all of our stuff sent in. We closed in two weeks. We wanted it to go fast so we pushed everything to go as quickly as possible.
The people we worked with were great. We had Philip and a lady. They seemed to be able to very easily communicate with the other company that we had initially been working with. I appreciate that because it made our job a lot easier. We emailed, texted, and also did a few phone calls. Everything was pretty good. Their approval department and origination department, on the other hand, had no communication whatsoever. Another issue we had was that everything had to be sent in PDF documents. Getting everything converted into PDF documents was a bit of a hassle but I understand that that's just how it is. My sister's very adept at that sort of stuff so I reached out to her a couple of times. We had to resubmit some stuff but that was relatively still very simple. I did an app because we're not tech-savvy.
Ms. Parker, thank you for allowing us to serve you and for this great feedback! We hope to have the opportunity to work with you again in the future. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
I did a refi with AmeriSave and it was a very easy process from beginning to end. I could log into the portal that they had set up and check on everything to see what the status was. Communication was great. Their guy Abraham even gave me his personal cellphone number. If I had any questions, I could call him. They called me a couple of times too to make sure that I understood everything and if I had any questions. The whole process was quick. The rate was high but it was not AmeriSave's fault. Abraham got me the lowest that he could, considering what the government had said. The terms were fine and it was what we agreed on. I would recommend AmeriSave and use them again.
Ms. Collins, we sincerely appreciate you taking the time to share your feedback and want to thank you for the kind words. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
AmeriSave's online application process was streamlined. It was fine. You do everything online and not have to worry about going into a building. Everything moved fast. Their rep was very friendly. They have very good customer service. The rates and terms of the mortgage were lower. So, that was the ultimate goal.
Tiare, we're glad to know that our team met your expectations. Thank you for sharing your positive experience. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The person I talked to was vey good and had a positive mind. So, I got very good support from her side. All the team members, even the processor for the mortgage, was also very good. They completed their tasks within 15 days. It was quick. The interest rate is so-so and they have the policy where you can buy the point and it could come down. They told me the amount that was required for this point but they did not charge that same amount. They told me that I might need to pay $1,600 but they charged 2,200 for the same amount of days. So that was a discrepancy. The final amount was not accurate and I mentioned these things to the officer. She tried to contact me but after that, she never got back to me.
I also clearly mentioned that in my title, I want only my name and my spouse’s name. I got an email confirmation from my mortgage processor and he said he was fine with that. When he agreed, he needed to prepare that document so that the title company could do these things but they couldn’t because a document was missing. The mortgage processor did not do that document so the title company had to include my co-signer in my title copy.
Fakrul, thank you for being a valued client of ours. Your feedback is very much appreciated. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The reps were great. All my questions were answered and it was a reasonable time getting back to me if I had any questions. The application process took a little bit longer than expected because of my divorce proceedings. It kept getting pushed back but that wasn't on AmeriSave. It was just a delay with the paperwork on our behalf. The reps were very patient and kept me up to date.
Arturo, thank you for your feedback! We work hard to offer the best mortgage experience which is supported by your kind words. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
William, the first rep, was awesome. He talked with me all the time and if I had any questions, it was great. He was AmeriSave’s intake guy. Then, once I got passed off to a loan officer, he was okay. It took a little bit longer to get my stuff than it did before. But overall, it was a positive experience compared to some people that I've talked to. The rate was the best one out of all, so I took it. People should check the rates before they decide but for me, it was a lot about how responsive the system was and what hours they worked.
Hanna, thank you for your positive review. We are committed to providing an excellent mortgage experience for our customers and are delighted to read these kind words! If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The reps, Steven and Erin, were both great. They had etiquette, and were polite and engaging. They were to the point so we could understand it. The automatic send-out of to-do things didn't seem to make sense though. The underwriters are probably the people initiating that. You would get 2 things done and 10 would come at you. But when we got under contract, it came close to closing within a month. The rates were fine and we locked in early enough to where it was advantageous to us. People should check out AmeriSave. We already have.
Mr. Rosebush, thank you so much for your wonderful review! We are so pleased to hear that you enjoyed working with AmeriSave. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
They did a good job. Angela was right there to walk us through everything. If I had a problem, I called her and she talked me right through it.
Gail, thank you for your review. We're so happy to hear that our team had a positive impact on you. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The rep was great, and the application process was fine. We closed in less than 30 days. However, the application that we used online was a little wonky and it took some getting used to. I have experience from other apps, and those were definitely a better experience from that perspective. I tried to use Rocket Mortgage a couple of times and they had a better app, but when I finally had an offer that was accepted on a place that was moving forward, AmeriSave had better rates at the moment. I did it at a bad time though, so I wish the rate and terms were better. All in all, AmeriSave is worth using if you maintain good rates comparative to the market.
Mr. Heusser, thank you for allowing us to serve you and for this great feedback! We hope to have the opportunity to work with you again in the future. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The refi process with AmeriSave was good and didn't take too long. Their reps were all very helpful. I’m not very computer-savvy, and they were able to help me a lot. I liked the rate. It was good. Even though it was daunting sometimes, all in all, I really appreciate everything they did for me.
Orla, thank you for allowing us to serve you and for this great feedback! We hope to have the opportunity to work with you again in the future. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
Whenever I called AmeriSave and talked to them, they got right back to me, answered my questions and they really took care of things the way they were supposed to. I also got a better rate than I was getting from the other companies I was talking to. As far as the process, I just told them I wanna buy a house, filled out the paperwork and they approved it. The rep I worked with was great. I called any time I wanted to. He always answered the phone. If he didn't answer the phone, he called me right back. His response was great.
Ms. Mcminn, thank you for allowing us to serve you and for this tremendous feedback! We love to hear about the positive experiences of our customers and hope to assist you again in the future! If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
When I originally got my loan, AmeriSave bought it. Then I've just refinanced through them. Signing up with AmeriSave was very quick and simple. Most of the stuff was online. I could just upload stuff and there was constant communication with John. He was great to work with. I knew what I needed and uploaded it. It got approved. It was an excellent process. There was one point where there was confusion with another guy that I was working with. I work two jobs, and they had the wrong employer as my primary place of work. It got confused somehow. Once I contacted John, it got taken care of and it got updated correctly. He kept in constant communication with me. He knew somebody else was going to reach out to me on a specific item. He would let me know first before they called. He'd either email me or call me and let me know that something else was gonna happen.
Michelle, we're glad to know that our team met your expectations. Thank you for sharing your positive experience. If you should need anything further, please feel free to contact Customer Care ta tcustomercare@amerisave.com or 1-888-700-4026.
We were able to work well with AmeriSave. I've worked with them in the past. It was a smooth process recently as well. I liked using the portal. That was awesome as well. It’s very intuitive and easy to upload all the documents needed and kept everything organized. Whenever there were missing documents, there were notifications. The rep we worked with was very knowledgeable and helpful. She guided us and tried to help us keep that rate during this long process because after a certain amount of days, the locked-in rate goes away. She was able to extend it. It was a good process and we're happy with our all-in closing costs. We got a very fair price. It was just a tedious process. I wish there weren't so many technical things.
Micah, thank you for taking the time to share this positive post. We appreciate your kind words and are happy to have been able to make this mortgage transaction smooth for you! If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The only problem that I had going through the process with AmeriSave was when it was ready to go for funding, I had a hard time communicating with my rep. Emily would get back to me. But once it went to underwriting, I would not hear from the rep for two days after I left a couple of voicemail messages. I had questions that needed answers. They wanted more details on some of the documents. I thought all they needed was just my divorce was final and the date. But they required more than that. I had to go look for the complete divorce decree of how many pages.
Mr. James, thank you for being a valued client of ours. Your feedback is very much appreciated. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
AmeriSave’s lending process was great. The assessment of my house came in a little higher and the numbers were a little lower. But the justification was to debt-to-income ratio, which was understandable. The rep and I had good communication and I was impressed with the responsiveness. Every time we had a question, there was a response was almost immediately and it was very detailed.
Narendra, thank you for sharing your positive experience with us! If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The agent was good compared to the agent that I started to work with. She was able to convince me quickly that AmeriSave Mortgage had much better interest rates. She was willing to work with me one night until almost 9 o'clock until she got the loan locked in. Also, AmeriSave knew exactly what to ask for. It was tough on me as it is for every homeowner because there were many requests that they had simultaneously and so much information I had to get together. But it was well carried out on all levels.
Mr. David, we appreciate the fantastic review and are pleased that we could be of service to you. If you should need anything further, please feel free to contact Customer Caret at customercare@amerisave.com or 1-888-700-4026.
I liked AmeriSave's rapid response. The application process was easy. Everything was done online. Every person that we came in contact with was great. They were very responsive and very knowledgeable.
Maria, thank you for sharing your positive experience with us! If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The application process with AmeriSave was very long and confusing. Every time you think you're done, there are a million other steps that you need to do. But the reps were very supportive, which was one of the reasons I went with AmeriSave instead of others. The rep I worked with was there whenever I needed her. If it was late at night, she would answer my emails or text. She assured me that I was getting the best deal out there. So, that was good.
I was working with three different lenders and Rocket Mortgage gave me a much better rate. So, I called AmeriSave and they said they would match it and even give a better one. If they could have given me a better deal from the beginning, they should have done that. That would have saved me a lot of time and a lot of trouble going through that whole process. I was tired of going back and forth between lenders. I don't like to play games with anybody. But I was looking out for myself. And when you tell me from the beginning that you're gonna offer me the best rate out there, then you gotta be committed to your work. I hate putting people through a lot of work and then not going with them. Rocket Mortgage put in a lot of work into my loan and I had to apologize to them.
Issam, thank you for being a valued client of ours. Your feedback is very much appreciated. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
I had a great experience with AmeriSave and I decided to go with them the second time. This time, I did a cash out and everything went great. Beatrice, the rep, called and went through the options with me. Everything was perfectly clear. She answered the questions in advance before I even had a chance to ask them. She knew exactly what I was thinking. She was always telling me that I was one of their good customers and they liked dealing with me. And I liked dealing with her. We’re extremely pleased.
Everyone was very professional and communicative. They would call me and that if I don’t hear from them in a couple of days, it's because they were doing X, Y and Z. And then they would call me and ask if I had any questions. They would always follow up, which was excellent. AmeriSave has great people working for them so I hope that they have some type of incentives for them. We look forward to refinancing to lower the rate when the rates go down. We'll always come back to AmeriSave and refer friends to them if they're looking to refinance or buy or sell.
Ella, thank you for taking the time to complete this review. We are happy to hear that AmeriSave was able to deliver a memorable experience and hope that in the future, we might have an opportunity to work with your friends and family. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888700-4026.
The process was very easy to go with. The submission of document was from an app that they have. They kept on sending me updates of what they need, and the way that I attach everything was in the same application that they created for me. The rate was very competitive and I'm very happy with it. A couple of other banks tried to schedule an appointment with me to offer their ratings and no one matched AmeriSave's rate. If the interest rate drops more than two points in the near future, I will absolutely call AmeriSave again.
Alexis, thank you for allowing us to serve you and or this tremendous feedback! We love to hear about the positive experiences of our customers and hope to assist you again in the future! If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The current market isn't the best right now, but AmeriSave gave me the lowest interest rate that I could find from the companies and banks that I looked into and we were able to lock it in. The loan process was really simple. The reps helped me out a lot and made things really clear. AmeriSave had an online portal where I just had documents that I needed to submit. They talked to me on the phone whenever I needed to and called me with updates at least once a week. All the communication was really good. I just had to find and fulfill documents as needed. Right at the end of the process, there were some documents that I needed last minute, and they worked very hard on the last day or two of my application process to make sure that I could close in time. It was really timely at the end. All in all, AmeriSave did a really good job, and it definitely helped the house closing process.
Mr. Jake, we're glad to know that our team met your expectations. Thank you for sharing your positive experience. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
The application process was lengthy, but it went smoothly. AmeriSave started with the initial documentation and there was a lot of letters and explanations, which is normal. I was able to supply everything they needed quickly. Being in a high interest rate environment, AmeriSave's interest rate and terms were decent. We got 5.8%. I had to pay some points, but I got a little cheaper rate. My attorney said he usually doesn't see many mortgage companies charging points, but he thought that was probably because they gave me a little lower rate. It was a bit unusual, but as long as we stay in the house at least five years, it will all wash out.
AmeriSave was awesome to work with. They were super fast, efficient and friendly, and I'd definitely refer them. We did an FHA, but one of the houses we were looking at only took conventional loans and AmeriSave was able to change up some terms and rearrange things. Steve, the loan originator, was great to work with. He got me from FHA into conventional to make it happen.
Mr. John, thank you for taking the time to share this positive post. We appreciate your kind words and are happy to have been able to make this mortgage transaction smooth for you! If you should need anything further please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
Amerisave did a refi several years ago for me on one of my houses, and I have purchased two through them now. On one of the deals, I had someone that wasn't as invested, and I had to escalate on them, but as a company, Amerisave took care of me. The last representative for my latest purchase, Carlos, was fantastic. He felt like a friend more than a salesperson. After further down the process, when they assigned a team, I put my down payment, and there was a lady who was in contact with me to make sure things were moving along on the paperwork side. She was more of an administrative person versus Carlos who was more of a salesperson.
When you're buying a house, every point matters. You wanna make sure you're dealing with the company that's giving you the best program, and Amerisave always seems to be able to do it. People should make sure they understand the money they're putting down, how much is being absorbed by the company versus what's going towards their loan. That's one question. They should also shop competitors, but always give one of the competitors a second chance, a different program that maybe another competitor had and see what they say. I asked Amerisave to show me five different payment schemes based on the down payment. That was really easy for Carlos to do and he was happy to do it.
Mr. Christopher, thank you for being a valued client of ours. Your feedback is very much appreciated. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
AmeriSave worked with me better. I reached out to them and they set me up with a loan processor. His name was Darek and he was straight up with me. He said everything that I would need and I would get that. If underwriting ever said something, he would immediately let me know. It was an easy process for him. He was more than perfect.
The application process took maybe a month because I'm currently on deployment. Getting some things was a little bit tricky. But if I was back at home, it probably would have taken less than a week or two. The rate I got was good compared to others. But if I could still get it lowered, that would be nice. Other than that, I'm happy with where I'm at right now. If you're interested to do AmeriSave, get all the paperwork that they need to get to make it an easier process.
Mr. Cade, we sincerely appreciate you taking the time to share your feedback and want to thank you for the kind words. If you should need anything further, please feel free to contact Customer Care at customercare@amerisave.com or 1-888-700-4026.
AmeriSave Mortgage Company Information
- Social media:
- Company Name:
- AmeriSave Mortgage Corporation
- Company Type:
- Private
- Year Founded:
- 2002
- Address:
- 3525 Piedmont Road NE, Building 8 - Suite 600
- City:
- Atlanta
- State/Province:
- GA
- Postal Code:
- 30305
- Country:
- United States
- Website:
- www.amerisave.com