AmeriSave Mortgage

AmeriSave Mortgage Reviews

AmeriSave Mortgage Reviews
4.7(5,511)
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Overall Rating4.7 out of 5
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About AmeriSave Mortgage Reviews

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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Page 2 Reviews 5 - 35
Verified purchase

Reviewed Sept. 12, 2023

We were refinancing and AmeriSave's process was really easy. There was always a lot of paperwork and junk you got to deal with, but they made it as easy as they could and their rates were competitive at market value. I liked being able to do the application online and the only thing I had problems with was sometimes, the portal was ahead of where my agent was at. It would ask me for documents that I didn't actually need because the agent hadn't verified. So, they could improve the communication on that aspect. But AmeriSave was usually pretty prompt in addressing my concerns and it was nice to be able to have the text message option or calling. The rep I worked with was Drew and he was friendly and always answered my questions.

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Verified purchase

Reviewed Sept. 12, 2023

AmeriSave is a good company. The application to closing went by fast. It was what I expected. There were no disappointments. The loan officer was good. The whole team was good. They answered my questions almost immediately, either online, a text, or they would give me a call back.

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Verified purchase

Reviewed Sept. 12, 2023

I did a refinance with AmeriSave and they were effective at what they did. They told me what I needed to do, what forms I needed to collect, and what documents I needed to get. I talked to them on the phone, but most of the process was done online and it was pretty simple. Their website was super easy to use and the contract terms were standard in the industry with what everything else is going on right now. The rep I worked with, Jonathan, was very knowledgeable and enthusiastic. AmeriSave did everything they said they were going to do.

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Verified purchase

Reviewed Sept. 12, 2023

AmeriSave was very prompt and straightforward. I did try a couple of other outfits that were vague and not very timely. The person from AmeriSave who was helping me gave me exactly what I needed when I needed it. We set up the app and the application process went smoothly. I got a notification that I needed to provide information. The overall process did take a little bit longer than we had hoped, but there were reasons for that.

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Verified purchase

Reviewed Sept. 12, 2023

I called AmeriSave and talked to Tristan. He was a very educated and well-spoken young man. He made the borrowing process so easy for us and he was very effective with his work. So, we dropped the company that we were with before and took our business to AmeriSave because of him. The terms of the mortgage that we got from them were acceptable and during the application, most of the information needed to be uploaded on the portal. What we weren't sure about, we gave them a call and got to them immediately. And they helped us through the process of uploading our information when we weren't sure about that. We did it all on our phone and it didn't take much work.

But things took about a month longer than it should have because it was not a good situation with the other company and they made it as difficult as possible to work with AmeriSave. They wouldn't give information over and it made us have to push back our closing date on the house twice. But even when we were close to closing and things were being pushed back, Tristan reached out to us a couple of times to check in and see what was going on.

What happened was, we already had the appraisal done with the other company, then we decided to switch. They held our appraisal hostage to the point where we finally had to get a second appraisal. We had Haddon involved trying to force them to give up the appraisal. AmeriSave should have more knowledge around how the appraisal process through Haddon works so that they could help someone if that ever came up in the future. But it's such a rare instance and no one I've ever talked to has ever had to deal with someone holding an appraisal hostage.

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Verified purchase

Reviewed Sept. 12, 2023

I'd use AmeriSave again. They have been great. Everything happened like it was supposed to. The reps kept in contact with me all the time, let me know what what was happening and made sure everything was okay on my end. I didn't have to reach out to them and go through a long process.

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Verified purchase

Reviewed Sept. 12, 2023

AmeriSave is a great company. I was always in communication with the person who was with me in the process.

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Verified purchase

Reviewed Sept. 12, 2023

The reps with Amerisave were very attentive and on the ball. Anything that I needed, they were always helpful with and did it in a very timely manner. They were always very good about letting me know what they needed from me. If I was taking a little longer than they thought it should take, they would reach out to me and make sure everything was okay and that we were still moving forward. I was very happy with the outcome. Other lenders were quoting higher rates than what I got.

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Reviewed Sept. 9, 2023

Awful. Lender kept asking for the same documentation over and over and over, constantly delayed things, would say things like "okay we're ready for closing" only to have "just one more thing" the next day all the way to closing. Never had this experience before, asked around if it was normal now, everyone I knew in reality / insurance was flabbergasted (we should have been super fast and easy to close, excellent credit, tons of cash). Even at closing, things weren't communicated to the title company correctly and the lawyer said he'd been doing it for over ten years and never seen something like this before.

Somehow we closed, but it was in spite of things, not because of some sort of wonderful experience. Will never ever use again. Addenda: I find it strange this site has them at a 4.7 when others have them listed much lower (some as low as 1 point something after hundreds and hundreds of reviews.) IMHO Do yourself a favor and look around that my experience is not uncommon whatsoever.

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Verified purchase

Reviewed Aug. 31, 2023

The rep at Amerisave was wonderful. When you do a mortgage, the language can be confusing or what you need to do can be confusing. The website that they had that walked you through everything you needed to do was so perfect and not confusing. Whenever I had a question and I would email, they were so quick to respond.

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Verified purchase

Reviewed Aug. 30, 2023

What AmeriSave Mortgage said they could do, they did. Not a dime less nor a dime more. And it worked out perfect for us. Catherine was the lady who first started with us and stayed with us the whole time. And she was fantastic. She explained everything to me how it works. And we went right from there. There would be things we didn't understand. What we didn't understand, we asked. And they explained it to us. And any time we emailed Catherine, she was fantastic about it. When I called or had an issue, I could either send an email or make a phone call. I’d get a return call back within two hours. And that's fast.

There was one check that they had a lien on the house some years ago when we had some hard times. These people sent the check back to my wife because they didn't have it anymore, so they couldn't take the money. So, when she received the check, and she went ahead, they sent it back to AmeriSave. And Catherine took care of it. They found out who the other place was. She just got the check today. She's mailing it out in the mail.

Anything that we had in the past all got paid. We got things off our back. They took care of all the liens that were on the house from some years back. The phone doesn't ring anymore, except when they wanna change me on Medicare. Also, my credit is at 727 now. And it was two months ago. I thank everybody at AmeriSave. I believe in them. And I would never change.

The money is nice, but if you don't have somebody that is legitimately working with you and all they wanna do is get your credit report and the whole bit and send you an email and say, “We can't do this. We can't do that because of the past,” how do you get rid of the past unless you get the loan? AmeriSave invests in people. It didn't take me two weeks. They were out to help the people in their times of need and understood. They listen. When I call Catherine, I could talk to her for 20 minutes if I had to, and she listens. So, AmeriSave is all about helping the people of this country. Go to them. Listen to what they have to say first. Do it their way. Let them guide you. When you got a question, ask them. But you would have a lot of online stuff.

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Reviewed Aug. 30, 2023

My husband reach out about getting a loan. JR was the representative that was assisting us. We were told we had to pay a appraisal fee which we did, and someone would call us within a week to set up a time to do the appraisal. No one called and JR stopped answering our calls and emails. So we decided we did not want to continue with this company. Finally JR emailed back and said we would receive our $625 back in 7 to 10 business days. It has been 3 weeks. JR is not answering our emails and calls. I would not recommend this place to anyone. I will probably have to take this matter to court to get my money back.

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Verified purchase

Reviewed Aug. 30, 2023

I was looking to get a loan on equity in my house, and then I talked to somebody at Amerisave and they said they could give me refinance and give me the cash to pay off a bunch of my debts. The application was pretty easy. When I called, they answered the phone. They also got back to me right away for my questions. The rates were okay. With the way things were and the way my credit was, it was all right. The reps were pleasant. The whole check thing was weird, but they got it done.

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Verified purchase

Reviewed Aug. 30, 2023

The rep was very cordial and nice and was able to work us into the loan that fit what we needed. We were doing a refi, and the application process was very easy. It was done online, but I had to send in forms too after it was reviewed and approved. It took seven to eight weeks, but most of it was just trying to get contractors because we had some issues that had to be fixed with the house. The overall process was great. They explained everything thoroughly, and they were available any time I had a question, called or emailed. They were right back to me. The rate and terms are good too. I like them.

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Verified purchase

Reviewed Aug. 30, 2023

Applying for the refinance thru AmeriSave was long and difficult, but a lot of it was because a lot of the documents that I needed, my mom had, but she didn't know where she put them because she had dementia. But my rep was super patient. My first interaction with him was at the beginning of March and we closed on the beginning of July. Also, the rate I got is good for what it is now. Interest rates have gone up and it sucks. But I don't think we could have gotten a better deal somewhere else.

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Verified purchase

Reviewed Aug. 30, 2023

Applying with AmeriSave was pretty simple. They helped me collect everything that I needed, and told me how to capture and send them the data. They also told me how to upload everything into the portal. They were very professional and my experience turned our exactly the way they said it would. The total process took six hours spread over three weeks and the person I worked with was excellent. He had creative ways to finding solutions and was very helpful. I was impressed with his attention to detail and his timeliness of response and actions. All in all, working with AmeriSave made the transition from one house to another very smooth and predictable.

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Verified purchase

Reviewed Aug. 15, 2023

The portal where I submitted documents was a little disjointed to use. Other than that, the application process was easy and the rep stayed in contact. If I had a question or sent an email, I got feedback pretty quickly. Also, we had an issue toward closing. I had submitted pay stubs but only one went through. So, it looked like I had half the income I should have had. We were doing an addition to our home and I said, “No. I wanted to cash out so I can pay for this remodel.” When they looked at my income, they said, “Oh, we're missing half your pay because we don't have the pay stubs.” So, I had to resubmit. But they corrected everything on their end. That just delayed the process a week or so which was not a big deal.

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Verified purchase

Reviewed Aug. 15, 2023

The Amerisave rep that contacted me at first was really thorough and would always answer the phone when I had questions. The application process was relatively easy. I only had a bit of a glitch at the end trying to get some paperwork from my condo. But once I called and got that and they released it to me, it went relatively quickly. Other than that, everything was still done in a timely manner. They also did a good job of explaining and emailing me, letting me know I had a new form to fill out.

The rep I worked with seemed knowledgeable and available. If I had any issues, he resolved them really quickly, or any questions, he explained them in a way that made sense. Even if they weren't questions necessarily related to his department, he was good about helping me try to figure it out and comparing other things or getting me in contact with the right person. Overall, I was able to consolidate debt and still come out cheaper. I was able to pick up a personal loan or credit card and get that off of me. Now, I can see the light at the end of the tunnel and can work on getting to school and just doing bigger things.

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Verified purchase

Reviewed Aug. 15, 2023

Amerisave was phenomenal. The rep I worked with had to get on the phone for hours with me, just trying to get through the program safely. They had a decent title company come and close it. They had an appraiser come out. It was local. They did everything a mortgage company should do. Everything worked out fine.

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Verified purchase

Reviewed Aug. 15, 2023

The process at AmeriSave was very easy. The application was very self-explanatory. Their customer service was very good. The payment is easy to manage and the ability to take some equity out of the home to pay off other debts was amazing.

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Verified purchase

Reviewed Aug. 15, 2023

AmeriSave was very responsive and quick in returning back to my calls. The application was quick too. The rep I worked with was very courteous. He had been always on top of things and called me back sometimes. He got that going right from the time I wanted him to start the process. He was knowledgeable and was able to answer every question I had.

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Verified purchase

Reviewed Aug. 15, 2023

The process with Amerisave worked out well. It was also quick. The rates were good too. The reps were very professional and helpful, especially James. It was my first time, so it was a lot of stuff that I didn't knew. And he walked me through it. I'm really satisfied with Amerisave.

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Verified purchase

Reviewed Aug. 15, 2023

The original person did the paperwork for approval and was initially nice, but things got out of hand and she didn't disclose things that she should have had like manually underwriting things. That's a big deal compared to a regular underwrite. I didn't know that and that posed a lot of challenges. There was also lack of communication on documents that were required. I would send Amerisave what they asked me for, then they would come back and tell me that was not acceptable. It was a complete nightmare. I've done a lot of FHA loans and this has been by far the worst.

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Verified purchase

Reviewed Aug. 15, 2023

I was doing a refinance mortgage with AmeriSave and the application process was very simple. As soon as I called, I got ahold of a broker and he walked me through the steps. It was effortless and I loved it. Overall, the whole process took about two months since I had a lot of stuff that I had to gather up being that I'm on disability. I liked the promptness of my rep in returning my calls and the explanation of everything that he gave. I was also pleased with rate and terms of my refinance.

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Verified purchase

Reviewed Aug. 15, 2023

AmeriSave was nice to work with. It's been the easiest process ever that I've ever had with a loan. The online portal is the way to go. They told us every piece of information we had to download on there and it was quick. The communication was awesome.

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Verified purchase

Reviewed Aug. 14, 2023

The application process with AmeriSave was long because I jumped the gun. In the beginning, I was real confident that I had everything. But as the process was going on, my confidence kind of waivered, because it was taking so long and I still gotta make payments towards other things because it was not happening as fast as I wanted it to. There was a lot of going back and forth with paperwork I had to submit and then, the underwriter needed more information as opposed to the actual application process.

Once my agent explained everything to me, it went kind of fast and my confidence level got back to where I started at. I got the paperwork submitted to them and they moved forward quickly. Also, the lending officer that I started with was good. During the course of the whole lending experience, they switched me to various officers and I had three different officers. Each one of the officers was informative, patient with me, answered all my questions, and got back within a timely manner. When I sent in the paperwork and it wasn't fully what they needed, they would reach back out to me and let me know. I'll tell others AmeriSave is a good way to go. They're fair, trustworthy, up-front, transparent with you, and they tell you what you need. If you get them what they need, they'll make it work for you.

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Verified purchase

Reviewed Aug. 14, 2023

The initial experience was good, but then we got transferred from our loan originator to our loan processor and she was not very responsive. It ended up causing us to be a week behind. We didn't have to push our closing date back, but there was a lot of stuff that we had to scramble to get in last minute because she apparently went on vacation when she was given our file. Overall, it was a good experience aside from that one hiccup. I was satisfied with the rate as well. We ended up getting 6.7%, which right now, is not terrible from what I've come to be told.

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Verified purchase

Reviewed Aug. 11, 2023

The loan officer was awesome. It didn't matter if it was past working time, he was gonna do what he had to to get things done. I really appreciated it. It was helpful with somebody that didn't know all the ins and outs of everything. He ended up finding a way to go around without using my income because the lady wouldn't do what I needed done. He worked with us and we got it all done. Amerisave went above and beyond.

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Verified purchase

Reviewed Aug. 11, 2023

I was very pleased with AmeriSave from beginning to end. The reps were very informative and kept me informed of every process. I dealt with Matthew in the beginning and then, Christopher, and the communication was excellent. I'm very happy with the rate, especially when I look online today. AmeriSave should keep up the good work. They're great. They informed me that my mortgage would be serviced by another company, which does happen.

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Verified purchase

Reviewed Aug. 11, 2023

It was a great experience working with AmeriSave Mortgage. Spoke to one of the loan officers. He walked me through everything, sent me some e-documents to sign. He was nice, knowledgeable, and willing to help with anything. Everything was very easy. They worked with me on everything. Fast turnaround. I was surprised. The rate and terms are in line with everything that's going on.

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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