AmeriSave Mortgage

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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 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.

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.