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AmeriSave Mortgage Reviews

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Edited by: Ilana Hamilton
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Fact-checked by: Jon Bortin

About AmeriSave Mortgage

AmeriSave Mortgage Corporation (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 states that it has helped over 730,000 borrowers, funding over $130 billion in loans since it was founded in 2002.

Visit www.amerisave.com
Pros
  • Lock in rate for up to 90 days
  • Loan officers available to answer questions via chat
  • Closing in as little as 25 days
  • Reviewers frequently praise helpful staff
Cons
  • Not available in New York
  • Nonrefundable $500 fee to lock rate for 90 days
  • Document requests can be excessive

AmeriSave Mortgage Reviews

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    2 featured reviews

    Our review standards

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    Page 23 Reviews 3075 - 3225
    Verified purchase
    Billing

    Reviewed Oct. 18, 2020

    I was needing my house payments to be less. I looked mortgage companies up on the internet and AmeriSave was one of the top companies. I refinanced with them and I was scared at first. I had to buy the point and I've never done that before. But after it started, I was like, “This thing won‘t be that bad." Then a girl came to the place that I worked at so it was really easy to close and sign all the documents. She was good and she drove over an hour to get to me. It was nice and convenient that they could come to my place.

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    Customer ServiceCommunication

    Reviewed Oct. 17, 2020

    I submitted my application for refinancing my home in mid July 2020. All my paperwork was in by the first week of August and we were offered a deal mid August. It is now October 2020, and there is no sign this company wants my business. Absolutely no communication throughout the process, unless I asked, and even then it took several days to get any response. So, if you are in a reasonable hurry to get your home refinanced, do not choose this company or be prepared for lots of excuses!

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the sales manager who will return your call. You may also contact AmeriSave’s Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    We look forward to speaking with you soon.

    Verified purchase
    Customer ServiceCoverageStaffLoan Process

    Reviewed Oct. 17, 2020

    The process took a while. From start to finish, it was over days. There was some miscommunication regarding me getting paperwork in and it being posted properly to Amerisave's website. But I liked my rep. She was thorough. When she left her office for a few days, I got an “I’m out of the office” memo and someone else stepped in. That was what sped up the process.

    All in all, the outcome was what we had asked for. However, I found the part of communication like meeting a date that it did actually file for the insurance documents a little frustrating. I emailed my loan officer and the lady that was doing the back office work. It was over a week afterwards that my insurance company couldn't reach anybody from Amerisave to make sure it was closed and everything had been filed so they could change everything on my insurance policy. We just told the guy at the insurance office to change it 'cause neither one of them responded back to me. Even though their end was done and the papers were signed, I still needed a little bit of information on my end to make sure everything was done, and it was done thoroughly.

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    Verified purchase
    Customer ServiceTechPricePunctuality & SpeedStaffRates

    Reviewed Oct. 17, 2020

    We first looked at our current mortgage company and we got a rate that was lower, but we didn't think it was fantastic. When we started shopping around, we were landing at that same price point. Then when we got to AmeriSave, it was a significantly lower rate so we decided at that point to move forward. We started in late July, getting our broker, Byron, all the information, and then everything was ready to go. There was just a little bit of a backlog which took about an extra two or three weeks because everyone was refinancing. The process took about two and a half months.

    I left Byron a voicemail, he got back to me within 24 hours, which I appreciated. He made the process really simple with a checklist that we needed to provide ahead of time. Then anytime something came out, he made sure we were aware of it, what we needed to do. A little hat tip to Byron as he was actually on a vacation and he still took one of my calls to help me out. I appreciated the attention to detail and being available.

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    Verified purchase
    Staff

    Reviewed Oct. 17, 2020

    AmeriSave looked good when I did some investigation on the internet. Their application process was easy. They were professional.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 16, 2020

    I was looking for rates and I got sent three different companies. A guy from Amerisave in Georgia called me. I was trying to go through the same company I went through to do my original loan but the fees were gonna be twice as much to do my refinance. Luckily, the guy from Amerisave called me back and said that he really wanted to help me out. He gave me a way better price so I went with them. They were good. The process is streamlined. It was in the middle of my kid being born and if that didn't happen, it would have been really fast.

    The communication with the application wasn't as good as I thought it was gonna be. There were a lot of corrections I had to make for the application. There was a lot of back and forth compared to my original loan where everything was correct the first time. Also, the setting up of my account to pay took time. I already had an account with the company that I did my loan with but I had to create a whole new email which I wasn't told until I had to call and figure it out.

    The good thing was I held off because my wife is very skeptical about things and she wanted to deal with someone that was locally here. Because it took so long, the rate went down from 2.75 to 2.25. When I was researching everything, there were a lot of bad comments but they're all from 2017, 2018. The reason why I still went through is all the good comments were from last year and this year. The guy I worked with was a nice guy. He was respectable. I recommended him to my co-worker ‘cause my coworker was gonna refinance his house. We both have the VA loan. My friend did the regular refinance instead the VA refinance and since he's doing that, he's saying it's taking way longer for some reason.

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    Verified purchase
    Staff

    Reviewed Oct. 16, 2020

    The lending process of AmeriSave was good. It seemed rather easy. It worked out well for us. The rep we worked with was very nice, explained everything very well and was good to work with. I felt really comfortable working with AmeriSave.

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    Verified purchase
    Punctuality & SpeedStaffRates

    Reviewed Oct. 16, 2020

    Another coworker recently did a refi with AmeriSave and he informed me about it. He told me the rate. It sounded great. I said, “Let me find out. Let's see if we can make this thing happen.” Everything was excellent with AmeriSave. The person that I was working with kept me informed. The process moved along quickly. When it got close to the end, I had some questions right up to the day before closing. They were willing to even put in extra time to make sure they could answer my questions. Because due to COVID, my work was fluctuating during that time. I was off work doing the normal work hours and I was working at night. But they were able to talk to me, to make sure that I was confident before closing happened. So, I really appreciated that effort.

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    Verified purchase
    CoveragePunctuality & SpeedStaffRates

    Reviewed Oct. 15, 2020

    The rates were low so I figured I would check out refinancing options. AmeriSave gave me the best rates and the cheapest closing fees. They asked me for documents that I would need to send to underwriting to be approved, so they could check my credit. They also asked the same thing with my husband. Once we sent all that information in, it was pretty smooth sailing. We had to wait for them to check on things, check employment and verify a lot. But, they did it in a timely manner. They were always available every time that I had questions or if I didn't agree with something or I just needed to talk things through so I could understand it better. The mortgage rate was good and the fees seemed pretty reasonable. I'm saving almost $300 a month because of them. They did a great job and I would certainly recommend them to anybody.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed Oct. 15, 2020

    We got our mortgage when we first bought the house in 2007. We refinanced at least once then when I noticed that the interest rates are going down fairly recently, I decided to give it a shot. I looked it up in Zillow and that's where I found Amerisave. My first home purchase was back in probably late 70s, early 80s. I've had several transactions since then, bought some houses, and this one was by far the easiest process. You can do it online then somebody will contact you and they'll send you all the forms and get you to send in all the information. They'll follow it up and before you know it, you'll get all your docs ready for review and signature then they send a person up to your house to do the signing. It's on your schedule so it worked out for us.

    The rep was really good. There was another female from another department that was also pretty good. They followed up to make sure that I was on schedule. The whole thing happened within a matter of a few weeks which did not seem very long. The rate was definitely fairer and much better than the rate that we had before.

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    Verified purchase
    Staff

    Reviewed Oct. 15, 2020

    It's the fourth time I've refinanced with AmeriSave. It's completely seamless and painless for us. They bent over backward to make it work for us as best as they could and everything went flawlessly. Their process was excellent as well as the reps. I dealt directly with two people from AmeriSave and a local notary came to the house. Everybody was professional, very intent on seeing that we had a good experience and everything went right, and it did.

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    Staff

    Reviewed Oct. 14, 2020

    I would warn anyone about attempting to "work" with AmeriSave Mortgage. Their requests for "more information" were endless and duplicative. In spite of assurances from their reps that "the approval process will be completed this week," the process went on and on and on. It is stunning that this group is unable to make a decision with the information provided.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. Your feedback has been forwarded to the sales manager who will be in contact. You may also contact Amerisave's Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    We look forward to speaking to you soon.

    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed Oct. 14, 2020

    Jeff and Carla were very helpful and pleasant to work with, they always returned call and answered all questions. closing was done in our home, all went very smooth. We recommend AmeriSave, loan rates very good.

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    Verified purchase
    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 14, 2020

    Refinancing with Amerisave was very simple and streamlined. I thought that it was gonna be a little bit more complicated with a lot of crazy stuff to deal with. But it was all online and was pretty much painless. AmeriSave's rate was great too. Dealing with the loan officer was like talking to a friend advising us what would be next and what were the procedures. The whole process took about a month. It could have been a little longer but a month was pretty quick and surprising. We're happy with that time frame.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed Oct. 14, 2020

    I googled the best companies to refi with and Amerisave was one of the top ones. Initially, I completed the application and it was quite quick that someone reached out to me. Within a few days, we had completed the home appraisal. Then it was data gathering and submitting everything. Everything was able to be done pretty much online until it came to the closing. I was able to submit the documents I needed, go into the website and be able to answer the questions that they have or acknowledge the documents which was very convenient for me.

    They came to the house to close and we closed in about three weeks. Given the state of affairs right now, it was very simple and it went pretty smoothly. They made it really easy and I appreciated that. After I started the process, I started getting lots of other offers from other mortgage companies and Amerisave was always the lowest rate with their 15-year terms so it’s great. The person that was helping me had had illness in her family so it was a few days before I heard from her but she was very apologetic and I was very understanding of that.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingRatesFollow-Through

    Reviewed Oct. 14, 2020

    Obtaining my mortgage through AmeriSave was fairly quick. I made a phone call and got through quickly. I spoke with Sylvia. She was very thorough and helpful. She explained everything in detail and she followed through every step of the way. I was very pleased with her work. The entire process took about four weeks or so. I refinanced once before, and it was done within two to two and a half weeks. This time, it took twice as long. But considering the current environment with COVID where there's limited staffing at just about every place, the process slowed well enough and moved very smoothly under the circumstances.

    The 2.25 rate is great. Granted, they're going to spread over a bit of time, so it's an extra couple of payments. So, long term, the points were high but short-term, it met my needs. The communication was excellent. They worked and kept in contact with me every step of the way. Each person contacted me and I gave them options. Since I was not always sitting at a computer, they were able to text me and that worked out wonderfully. I'm very pleased with their level of service.

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    Verified purchase
    Customer ServicePunctuality & SpeedLoan ProcessRatesTransparency

    Reviewed Oct. 13, 2020

    Overall we are satisfied but not impressed. The loan originator and loan processor were very nice. But, the process of going from qualifying for the loan to closing on the loan took over 3 months and required us to initiate communication to get updates. With the capacity of work being generated by those seeking to refinance given the record low interest rates, the corporation needs to hire more people to handle those volumes and speed up the process for consumers.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the overall process of your loan was delayed. AmeriSave is experiencing unprecedented loan volume and our employees and managers are communicating and processing loans as quickly as possible. AmeriSave values your feedback and our company continues to recruit talent and train new employees to address your concerns.

    If you need assistance in the future, you may contact AmeriSave’s Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    AmeriSave Mortgage appreciates your business.

    Customer Service

    Reviewed Oct. 13, 2020

    I applied for a refinance back in July 2020. Still don’t have an answer. They rarely return phone calls as requested. Ask for the same documents 2-3-4 times and are very impersonal when you finally do talk to someone. AmeriSave is not an honorable company to deal with. Please read reviews with the Better Business Bureau, which they are not part of. Save yourself time and aggravation and take your business elsewhere. I wish I would have.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the sales manager who will return your call. You may also contact AmeriSave’s Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    Verified purchase
    Customer ServiceTechSales & MarketingPriceRefunds & PayoutsStaffRatesTransparencyFollow-Through

    Reviewed Oct. 13, 2020

    My wife and I decided to get a newer car because it's a buyers’ market to get a car these days with the promotions because of COVID. And while we got the car, we were on social media, and saw that mortgage rates were low. So, I went ahead and just out of curiosity got onto LendingTree. And when LendingTree sent me back their top five choices, it was AmeriSave, Cardinal and some other companies. I decided to start with AmeriSave.

    In the very beginning, the sales rep was great. He was there a lot. I had a lot of questions. And for the most part, Robert was great. In the middle of our deal, he up and disappeared because he got promoted to a trainer position with AmeriSave. And then after that, things started going downhill. I let him know that I was shopping between other companies because initially he gave me a quote, and I let him know that one of his competitors gave me a better one. I sensed that he got upset that I was shopping around. Then he lowered what he initially gave me to meet their quote. But after he had to lower the rate again for me, he just wasn't very happy about that. He was a nice guy, but he wasn't consistent and he didn't follow through.

    The rates and term that I received were good. He told me that I would get $1,200 back when I closed. That was one of the main reasons that I decided to go with AmeriSave, as opposed to the other companies. At the very end, it turned out that he made a mistake, that in Texas, you're not allowed to get any cash back. I told those other companies I would not deal with them anymore. The deal that they offered me got retracted. Some executive with AmeriSave then got involved. They wound up lowering my interest rate a bit more. And they said that they just went ahead and rolled the money that they would give me back toward my principal. But it was not the deal that we initially discussed. They acknowledged that. And some executive with AmeriSave, for all the miscommunications and issues, refunded my $500 application fee, and then I closed. Then that was it. The nightmare was over.

    What they initially told me was the process would be 45 days. They told me, "It depends on you. If you cooperate and you give us everything we need in a timely fashion and we get the appraisal done." Surely, within a few days of me talking to that guy, an appraiser came out and we appraised the house. And then any time they needed something from me within the hour, whatever they asked of me, I got it to them immediately.

    But then what happened was it went sideways when it got to the processors, because initially, one processor handled my account. She then just up and quit AmeriSave and left. And then, my thing was in limbo. I wanted to know what was happening. I said, "Hey, we're supposed to close at the end of the month, at the end of August." Another processor got involved. She said, "Look, I'm gonna do my very best to try to comply with what the other processor told you." But she said, "I just got assigned your case." She handled my case for all of the week. And then when we didn't close, she up and disappeared.

    And then finally, this lady named Melissa took over my case. She was the greatest person in the company because she was super nice, but she was very transparent. She said, "I'm not gonna tell you anything that is not absolutely true and factual. Number one, you need to understand, you're not the only one trying to do what you're doing. Everybody right now is trying to do this. And the biggest problem, back in the day, you would come to the AmeriSave building here where we work, and there would be floors and floors of people working. Now, you come to our building and it's almost empty because of COVID. People are working from home. And a lot of people are sick. It's just a disaster. We've lost half of our people. And the people that we process have tripled. You do the math. You sound like an educated guy. You can draw your conclusions." I said, "Yeah. It's not pretty."

    I told the vice president that in the future, anybody they're gonna help do a refinance these days, they need to tell them that they have to be ultra patient. Because it is what it is. These are the times that we are living in right now. But in the end, the result is they got me what they told me, and what they couldn't get me, they got me something else to compensate for that. There were just a bunch of little glitches along the way.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed Oct. 13, 2020

    My brother and I were talking and he was telling me about how good the rates were. I started looking into the process myself and asked him who he went with. He went with Amerisave so I thought I’d start with them. I also started with my current lender to see if they’d refinance and I tried a couple others. Amerisave hands down had the best rate and the process was easier than I thought it was gonna be. The guy that walked us through all the steps was very helpful. They were having problems with his work phone so he gave me his personal phone and I called him. Any time anything changed or any questions I had, I called him up or emailed and he got back to me right away. The whole process took about 45 days. Everything went pretty quick and the communication back and forth was really great. I've been trying to talk a lot of people into refinancing or getting a mortgage to begin with right now because of the rates, and I've been sharing my guy’s information. I’ve been recommending Amerisave.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 13, 2020

    AmeriSave Mortgage had the best interest rate at the time and they were easy to deal with. The application was fine and the process took about 30 to 45 days. We talked to two people primarily and they were very busy but always got back to us in a timely manner. They were very pleasant and they worked with us and they even got back to us with either emails or texts at very late hours of the day. They did a very good job of being responsive and helpful. There were a little confusion and miscommunication on how the points and other fees, like property taxes, should be handled. But that was not the first time I experienced that. I got a 20-year fixed loan and the rate was essentially the lowest one that I could find. Then the terms were what we had requested and required.

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    Verified purchase
    StaffLoan Process

    Reviewed Oct. 12, 2020

    We applied for a cash out refinance mortgage on our home. Loan officers were very helpful. They were always available for questions. The loan went through without a hitch. I would definitely go back to Amerisave for another loan if I needed one.

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    Verified purchase
    StaffBillingRates

    Reviewed Oct. 12, 2020

    We had a great experience working with AmeriSave. We got a really low interest rate, reduced our monthly payments, and took cash out as well. Abe ** was helpful, responsive, and patient with my many questions. I would definitely recommend him.

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    Verified purchase
    PricePunctuality & SpeedStaffRates

    Reviewed Oct. 12, 2020

    Great experience all around. Team was responsive, knowledgeable and friendly and made it easy. Process was fast and pricing was fair with no surprises. I just had a bad experience with another lender so pay to show around! Thanks for everything AmeriSave!

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    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Oct. 12, 2020

    Everyone we worked with was easy to talk to and responded to questions quickly. Whenever we wondered what certain items or amounts meant in our closing documents, we always got answers and it was clear they were trying their best to make it work for us. It was a pretty painless refinance experience!

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    Verified purchase
    Customer ServiceLoan Process

    Reviewed Oct. 12, 2020

    Things could not have gone better. Josh was on point and always available. The best customer service I have ever had on any of my home loans. Josh hit every date he promised upfront and when it moved to the processor he remained available for all of my questions and came through with all the answers. I would highly recommend AmeriSave.

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    Verified purchase
    Staff

    Reviewed Oct. 12, 2020

    I already submitted one of these. I have and am very happy with the service I received. The ladies that helped me were absolutely great!! Thank you for everything that you have done. I am so very thankful. Suzanne

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    Verified purchase
    PriceStaffRates

    Reviewed Oct. 12, 2020

    AmeriSave offered us great rates and provided us great service during the recent refinancing of our home. They are busy these days as one should expect so be patient. We started on July 9 and closed on September 14, so about 9 weeks total. The result was worth it!

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    Verified purchase
    Customer ServicePriceStaffLoan ProcessRates

    Reviewed Oct. 12, 2020

    AmeriSave offered the best rate. They're cheap. I filled in the form and then they reached out. I was given a new client portal to load documents and things. Then it was back and forth getting documents and things for the longest time and then it would be basically the underwriters for the longest time. The process took months and it was a long time. But everyone is remortgaging that the process takes longer than expected.

    The application process was a little outdated. The actual portal where you load documents is a little clunky. It could have been a little more kinda straightforward. So, it was a little back and forth on some of the numbers that were eventually corrected. Other than that, it was fine. It did the job eventually, but it needed a little bit of a revamp. If there was anything pending, they sent you an email. But Nicole, the originator, was excellent. She made up for all the shortcomings in the system. She was always very responsive and helpful and she was chasing people for me. It has been very comfortable working with AmeriSave. I got a 15-year fixed loan and the rates and terms were very good. I was generally very impressed. But the people out there just have to be patient with the process. It was a really good service and I would definitely recommend them.

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    Verified purchase
    Customer ServiceStaffLoan ProcessTransparency

    Reviewed Oct. 12, 2020

    This is my third loan with Eric from Amerisave and this time, it's a refi. He's super personable and very professional. Sometimes, he's hard to get ahold of but he's always responsive and will call you back even in the evenings. I've actually recommended him to another person ‘cause he's done a really nice job for me. The process is really easy now since everything kinda gets loaded at Amerisave. It took six weeks which is a long time but everybody at Amerisave has a lot of volume right now so they're really busy. But maybe once a week note from the originator just kinda giving you an update on the progress would be good.

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    Verified purchase
    Online & AppStaffRates

    Reviewed Oct. 12, 2020

    The interest rate from AmeriSave Mortgage was great. They also have very good ratings on the internet. The online application process for the refinancing was easy. The representative was really nice. But the process took more than 45 days because of some documents that they require. They should request for the documents all at once. Other than that, AmeriSave is a good company and I feel pretty good working with them.

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    Verified purchase
    Punctuality & SpeedStaffLoan ProcessTransparency

    Reviewed Oct. 11, 2020

    Very pleased with the quick process of the refinance loan. The loan details was always up to date letting you be aware of what was going on. Very professional staff. I recommended AmeriSave to two of my coworkers that also refinance. They were very pleased also.

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    Verified purchase
    StaffLoan Process

    Reviewed Oct. 11, 2020

    I'm generally happy with the result. There were times when it was difficult to reach someone when there was an issue. That the only problem we faced. They were courteous, professional, and worked hard to get the loan done. I appreciate all of their efforts.

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Oct. 11, 2020

    Refinancing my home with Amerisave Mortgage Company was the right choice. Everything was easy from the beginning till end. Communication was effective between myself, loan officer and loan processor. I appreciate all the helpful team. Thanks and keep it up.

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    Verified purchase
    Customer ServiceRates

    Reviewed Oct. 11, 2020

    Refinancing was so much easier than obtaining the original mortgage. Amerisave was very easy to do business with. Thank you! During this time of low interest rates sometimes it was difficult getting in touch for questions but I was free to email and text for questions.

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    Verified purchase
    Customer ServicePriceStaffRates

    Reviewed Oct. 11, 2020

    I liked AmeriSave's rates. They were better than anywhere else I looked. We refinanced and it's a 30-year fixed program. The process was way easier and faster than working through our local bank. I was comfortable with their process. I didn't have to provide a whole bunch of crap. I worked with Brady. He was very responsive and very helpful. Anytime I had a question, he responded immediately. Working with AmeriSave saved me a lot of money.

    We started the process through PNC Bank because that's where we had our mortgage at previously. It took months for us to even get a closing date. Then by the time we got it, and I'm seeing the actual closing cost and all of that, I refused to do it. That was what made me start looking at other companies. I thought it was gonna be months before we finished with AmeriSave, and it took about a month to finish everything. I didn't have to keep going back and providing additional paperwork for this, that, and the other. They were able to verify everything through their own system. It was very convenient and no hassle for me.

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    Verified purchase
    Customer ServicePriceStaffRatesTimeliness

    Reviewed Oct. 11, 2020

    AmeriSave's pricing was attractive so I did a refinance with them. I filled up the information and got a call the same day from the guy I worked with. The process went very well. I did refinance before and one thing that was unusual about this process that I'm not used to is AmeriSave doesn't lock the rate right way. But I received the best rate I could find in my research. The guy was very responsive. He gave me a very good deal and I didn't have to hassle for that. The website could be improved because sometimes, it got some inconsistencies in it. But overall, it was a good experience doing everything paperless and online. I was nervous at the beginning because when I looked at the reviews, there were some bad ones online. But my experience beyond that exceeded my expectation.

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    Verified purchase
    Sales & MarketingStaffLoan ProcessRates

    Reviewed Oct. 11, 2020

    AmeriSave had a good rate advertised online and I went through some kind of process that brought me to them. I started talking to a loan officer and had a very good exchange with him. They made it very easy and it was just a really smooth experience. I had a very positive experience all-around. And I have already recommended them to some friends.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Oct. 10, 2020

    I would definitely recommend this company for refinancing a home loan. They made the process extremely easy and was very helpful. Any questions I had were answered quickly and efficiently. Also, it went through quicker than expected. Everything was processed online until the final signing of documents. My experience was great!

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    Customer ServiceStaff

    Reviewed Oct. 10, 2020

    Rosette ** of AmeriSave was fantastic. She eliminated all my online refi anxiety and will save me tens of thousands $ off my mortgage. How lucky I was to have her call me when I entered my request on LendingTree website.

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    Verified purchase
    Staff

    Reviewed Oct. 10, 2020

    Service was professional and timely. I was kept current on the progress of what was required and expected. The agents were respectful and helpful at all times. The process was delayed due to the virus, however, the experience was still pleasant.

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    Punctuality & SpeedRates

    Reviewed Oct. 10, 2020

    In general we’re satisfied with Corp; however, we felt we should have been encouraged to wait a little longer to get a lower rate which we asked about, and received an implication that if a lower rate came up we would be able to take advantage. Those rates did go lower a few weeks after we closed.

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    Staff

    Reviewed Oct. 10, 2020

    This process was extremely brief and professional. I am very happy with the great opportunity that I have had to refinance my house for 15 years at 2.25%. I have referred them to my family & friends. I highly refer them to everyone out there.

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    Punctuality & SpeedStaffLoan ProcessTransparency

    Reviewed Oct. 10, 2020

    Excellent experience.. Marc **, Loan Originator, listened to my financial goals and presented me with several excellent options. Closing process was quick, easy, transparent. Closed in about 3 weeks. Have already recommended Amerisave to several friends. Very much accomplished my refinancing goals.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Oct. 10, 2020

    We are very pleased with our refinance experience with AmeriSave. The process was simple and fast. Leo was our loan originator, and he was in constant communication with us. He was kind, knowledgeable, and quick to work with any issues that arose. We highly recommend working with AmeriSave.

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    Punctuality & SpeedLoan Process

    Reviewed Oct. 10, 2020

    For a senior to do a mortgage online is different. AmeriSave made it easy to apply for the mortgage and the approval process was fast. It took about 40 days to close the loan. Sometimes when I wanted to talk to someone I received automated messaging, which I didn’t like, but overall experience was good. They saved me hundreds of dollars per month. Thank you AmeriSave.

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    Customer ServiceStaff

    Reviewed Oct. 10, 2020

    Excellent experience. Jeff ** was outstanding. He was professional, experienced, knowledgeable and most importantly followed up with us every step of the process to let us know what to expect along the way. Davina was equally experienced, professional and knowledgeable and again I cannot reiterate with more enthusiasm followed up with us as well. Have already recommended to our friends.

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    MaintenanceStaffLoan Process

    Reviewed Oct. 10, 2020

    They know what they are doing and they will take you to the finish line. Just be ready to supply all the required documents and information. What I would add is that the portal sometimes is not working as expected but checking with your loan officer will resolve the issue.

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    Verified purchase
    Staff

    Reviewed Oct. 10, 2020

    My agent was attentive and able to clearly explain what I needed to complete when additional information was needed. They were friendly and caring, I was not just a number, I was treated as a person. They were as excited and eager to completed the process as I was, so it felt like a shared goal.

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    Customer ServicePunctuality & SpeedHonesty & Transparency

    Reviewed Oct. 10, 2020

    This company is very easy to work with and made the process very easy. Great communication and quick response to any questions. I would recommend this company and would use it again. They are honest and reliable. Made the closing simple and quick. Everything was thoroughly explained.

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    Verified purchase

    Reviewed Oct. 10, 2020

    Overall, I think the AmeriSave team did a great job. The whole process took about eight weeks from start to finish and I couldn’t be happier with the outcome. The ability to upload all the documents made the process extremely easy. Thank you for everything!

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    Verified purchase

    Reviewed Oct. 10, 2020

    It was very easy and smooth. They finished entire process in about 3 weeks and I didn't have to leave my house, they answered all of my questions and concerns very nicely. I will definitely recommend to my friends and family members.

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    StaffRates

    Reviewed Oct. 10, 2020

    Excellent experience with AmeriSave for refinancing with cash out. Simple process and everything that was required was explained in advance. Very competitive rates. A great experience indeed. Would highly recommend anyone who is interested in refinancing, especially with great credit.

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    Verified purchase

    Reviewed Oct. 10, 2020

    Alfred ** and Debra ** kept me up-to-date on documents needed, signatures, etc. I made a last minute change and they were still able to get my closing done on time. I won’t hesitate to recommend them and AmeriSave to others.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffRates

    Reviewed Oct. 10, 2020

    Very good, friendly service. Rates were good and cost was minimal. Highly recommend this company for your mortgage needs. Ben was very knowledgeable and responded to questions quickly. Hailey was efficient and also responded quickly to any questions. Overall, a good experience.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffRates

    Reviewed Oct. 10, 2020

    The whole process was outstanding! Uploading documents was so easy! And everybody communicated professionally and in a timely manner! They were always quick to respond and explain anything. Great rates and low closing costs! I would highly recommend to anyone!

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    Verified purchase
    StaffLoan ProcessRates

    Reviewed Oct. 10, 2020

    In order to take advantage of current interest rates I worked with Amerisave. I found my loan originator, Lydia **, extremely helpful and responsive. The processor, Theresa **, was also very helpful. All this took place during the current pandemic and so I want to point out that they managed this in spite of many challenges. Overall I am extremely satisfied with the process and results.

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    Verified purchase
    Customer ServiceStaffRates

    Reviewed Oct. 10, 2020

    Everything went great with AmeriSave. I started with one of their competitors, and I didn't like how it was going. I lost $800 with that, but that’s all right. I got a good deal with AmeriSave. Sebastian, their rep, is the most wonderful person. It's like, “The heck, I’m not dealing with these other people anymore.” He was friendly and very informative. He got me a good deal and explained everything. I'm pretty versatile with the computer, so it was really easy to get documents and upload them. It all worked out really well. I don’t like filling out forms but everything seems straightforward. AmeriSave is a big enough company, at least, I’ve heard it. I was drawn to them, so I called. They did have really good rates, and so it worked out.

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    Verified purchase
    Customer ServiceCoveragePunctuality & SpeedStaffRatesTimeliness

    Reviewed Oct. 10, 2020

    I was looking online for a mortgage and Amerisave came up as one of the five people. I sent email requests to all five and Amerisave responded with the best rate. The documentation is pretty easy. There is is a lot of them but that's pretty standard right now. It took a long time to get to underwriting but I didn’t feel like I was being pushed off and pushed off or slowed down. My sister does this for a living out in the East Coast and she said that's pretty standard right now because rates have been dropping or there are so many applications going on.

    They communicated pretty good. Their customer representative was timely in responding. Typically, most of it was by email. I'd either get a response usually within a couple of hours or the next day. Part of that might be a time zone difference thing ‘cause I'm usually typing the question at :00 or 7 o'clock on the West Coast which is after-hours on the East Coast or Central time zone. The longest we went was about two weeks but it was right after they said they had all the documentation so I didn’t think they would turn around within a week and say we’re done. I went from a 3.65 down to 2.5 so the rate was pretty good. I was looking all the way up to a week before I closed and they were still right around the same or higher. So, I'm happy with the rate. I didn’t see anybody doing better.

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    Verified purchase

    Reviewed Oct. 10, 2020

    AmeriSave was super easy to work with. The whole refinance process with them took 45 days.

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    Verified purchase
    Customer ServiceCoveragePunctuality & SpeedOnline & AppRates

    Reviewed Oct. 9, 2020

    AmeriSave responded to an email when I was inquiring about refinancing. They gave me a good interest rate. AmeriSave's online application process was great and easy. I had to fill out all the paperwork necessary such as job requirement and bank account details. Then they processed it. We had somebody come to the house and do the closing. The application and underwriting process, overall, took several weeks. It was approved rather quickly. It was just longer getting all the paperwork together.

    AmeriSave let me email everything to their account, which was very convenient because I could do it at night when I got home from work. I didn't have to worry about doing it during business hours. Then they would respond back that they have it. They would respond by letting me know if they needed anything else to finish the refinance process. AmeriSave is a great company to deal with. They’re very easy and very convenient to work with. They would give you probably the best deal you could find.

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    Verified purchase
    Customer ServicePunctuality & SpeedRates

    Reviewed Oct. 9, 2020

    Amerisave's rates and their fees were the lowest and they kept their word. I reached out to AmeriSave’s contact and Hector called me back that day. He gave me my options and we went back and forth then finally decided on a plan moving forward. Hector did give us the option of floating our interest rate in the hopes that it would go down so there was about a two or three-week lag time where nothing was happening. But the interest rates did go down and Hector reached out to me. We locked in our rates and once it got locked in, it was pretty quick. I was overall impressed. There's been a lot of activity with refinancing and everybody's super busy but I didn't feel like I was wasting anybody's time. I still felt like an important customer so that's good.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed Oct. 9, 2020

    I went online to find out what rates are available so I can refinance for a lower rate. The first rep to call me was one from AmeriSave. He explained what they had available for me and he had the same rate as other lenders. I had to provide their $500 fee as well as needed information like my income and taxes for the last three years. Then, AmeriSave processed my application. Before I went with them, I had a 4% interest rate on a 30-year mortgage. I was able to get 2.625% for 30 years and end up saving almost $500 a month.

    I got a bit confused applying online with AmeriSave as I've never done a refinance application that way before. During the application, something happened to the rep who was working with me at the start and I didn't have any feedback from anybody. I couldn't get a hold of anybody in their office and I was calling the phone number that he had in his emails. I was also sending emails and nobody responded. That went for about a week and I was really frustrated by that. That week, my oldest son wanted to refinance his house as well. Nobody returned my call and my son went with another company. Somebody else was assigned to my account and that rep called me up. From that point, things proceeded quickly. AmeriSave should have a number I can call though should this problem occur again.

    Still, both of the reps I worked with were very good. The first was helpful and I got all my paperwork done. The second was more knowledgeable than the first and everything worked out fine. His name was Benjamin and he processed my refinance at the end. When I contacted him, I usually had to leave a message. When I do, he would call me back. Overall, I'm happy with AmeriSave. I recommend them to all people who want to refinance.

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    Verified purchase
    Staff

    Reviewed Oct. 8, 2020

    Going with AmeriSave was easy. We refinanced our main home here but not the one in Florida. They couldn't do both of them. They said that our condo in Florida was partially a hotel condo. I wish they had looked at that before they took my $500. I thought that was shady. We got a 15-year fixed refi through them. James, our rep, did a phenomenal job. Even though he was states away, he answered questions at all hours. I highly recommend him. AmeriSave was great and I was happy with their service. With the refi, I'm gonna put a new roof on my home and buy my high schooler a Jeep.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffRates

    Reviewed Oct. 8, 2020

    I had kinda been bouncing around looking for a lower mortgage rate over the last year or so. I kept watching how things are going and I finally landed with Amerisave. They seem to have the willingness to work with me. I had started down the path with a couple of other lenders but we got to that stumbling block of not meeting my numbers. I stood back and waited until I could find somebody who did. When I told Amerisave what my target was, they beat that. I couldn't get other lenders to beat the total package and that's what prompted me to go ahead and pull the trigger on the deal. I had a target savings I was looking for and I had a target amount that I was willing to spend. They also beat the closing cost and it worked out.

    The folks that I talked with were all real professional and helpful. They didn't try to demean me. I did not feel that I was being talked down to. Their attitude and demeanor were quite pleasant. The fact that it took the amount of time that it did take enabled me to capture what appeared to be another little dip in the rate. I'm happy with the speed it went.

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    Verified purchase
    PriceStaff

    Reviewed Oct. 8, 2020

    Going with AmeriSave took a long time. Even though I was signing up online, I still have to sign a hard copy which is a duplicate procedure. The process took 75 days when I was expecting it to take 45. Other than that, everything was good and their cost and fees were really competitive. The rep I worked with helped me figure out what the right product was for me.

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    Verified purchase
    Customer ServicePunctuality & SpeedLoan Process

    Reviewed Oct. 7, 2020

    Working with Bradley ** at AmeriSave, with the refinancing of our home, has been the best loan process I have ever experienced. I have had the pleasure of working with him and AmeriSave on two other occasions, over the last 10 years. And although those other experiences were great, this was by far the best. This tells me that AmeriSave is always looking to improve their services. Bradley answered all of my questions and responded in, quick time, any additional information I requested. The process went exactly as he explained and I was met with no surprises at the end of closing. From start to finish, the entire process took less than 3 weeks. I will continue to highly recommend Bradley **, and AmeriSave, to all of my friends and family.

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    PricePunctuality & SpeedLoan ProcessTransparency

    Reviewed Oct. 7, 2020

    I was charged a non-refundable $500 origination fee on August 14, 2020. I have sent all requests documents. My originator had problems uploading my documents to the file. My originator is slow to keep me updated but assures me she is working to sort out my files. I just read today that AmeriSave does not charge upfront fees. I am concerned that I will not receive my $500.00 back and will not close on this loan.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to your originator's Sales Manager who will return your call. You may also contact AmeriSave’s Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    We look forward to speaking with you soon.

    Customer ServiceRefunds & PayoutsStaffResolutionTimeliness

    Reviewed Oct. 7, 2020

    David ** was the agent who took my application and five-hundred-dollar application fee. After uploading all the documents asked for, I began receiving repeated texts from an AI-generated program requesting two more documents, the nature of which was unclear. When I tried repeatedly to contact Mr. ** via email and phone for clarification, he refused to get back to me. I also had gotten blocked from the customer portal and needed someone to restore my access, since there is no way for the customer to do it. I finally phoned a 1-800 number and spoke with someone who said he would try to contact Mr. ** and rectify the situation. The next day, I received an email from Mr. ** saying that his manager would contact me.

    After several days with no word from the manager, I again sent Mr. ** an email stating that his manager hadn't contacted me. Mr. ** emailed back to tell me that his manager wanted me to log into the portal (which I had no access to) and provide the same obscure documents I had originally queried about. Further emails to Mr. ** went unanswered. I phoned the gentleman I'd spoken with at the 1-800 number again and left a message, but he never returned my call. I've since emailed Mr. ** and told him to delete all my information and to refund my five-hundred dollars, but I've received no response. I'm not optimistic that I'll get my money back, the frustration over which is compounded by seeing on this webpage that they require no application fee. I'm wondering if Amerisave is even a legitimate company.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for connecting with our Processing Team today. We appreciated your patience, and we appreciate your feedback on your mortgage loan.

    Your mortgage experience is very important to our company, and we value the information you provided so that we can share with our Operations Team. If you need assistance in the future, please do not hesitate to contact our Satisfaction Team at our toll-free number 888-700-4026, or by email at customersatisfaction@amerisave.com.

    Thank you again for allowing AmeriSave Mortgage to serve you with your mortgage needs.

    Verified purchase
    StaffRates

    Reviewed Oct. 7, 2020

    The rep I worked with at AmeriSave was great. He was very easy to contact and he was helpful through the whole process. I'm trying to set up an autopay with them and but it has been a little clunky. Still, I'm pleased with the rate and terms I got from them.

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    Verified purchase
    Customer ServiceStaffBillingLoan ProcessRatesTimeliness

    Reviewed Oct. 7, 2020

    The interest rates were going down so I thought I would make a go and get my mortgage refinanced. I tried with my existing mortgage company but they were not willing to refinance my mortgage. I started looking for different companies and searched on the internet. I got into AmeriSave and engaged with them. There were two parts of the process. Step one was when I reached out, filled the online request and connected to a person who really put in my application. That person was amazing and very helpful.

    The moment my application was put in for the loan processor to take over which was the second step, that was the disappointment I have never seen in my life. That person never responded. I applied for my loan then I gave a referral to my friend. My friend’s loan was closed in 15 days while my loan did not close for 90 days and I never knew why. The moment I got my loan closed, it looked like the next day my loan got sold to somebody else. I got a goodbye letter from AmeriSave and I needed to go and make my payment, to set up another thing online with somebody else. That was pretty strange as well.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. Amerisave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the sales manager who will return your call. You may also contact Amerisave's Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Oct. 7, 2020

    The whole refinance process took about three weeks. It was pretty quick. The application online was very simple. The rep that I dealt with was great. His personality was good. It was easy to talk to him. If I had a question, he answered it pretty quick. I was really comfortable working with him.

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    Contract & TermsPricePunctuality & SpeedLoan ProcessRatesHonesty & Transparency

    Reviewed Oct. 6, 2020

    My broker was Adam ** during the process of application for refinancing. I started the process over the Labor Day weekend a month ago when I approach Adam about my goals and objectives. Those goals were lowest rate and quick closing. Other lenders competing for my business were LoanDepot and Filo Mortgage. Out of the 3, Filo was the first and only to locked me at a rate of 2.408% for a 30yr fixed loan. Adam promise me, after I already paid a 500 dollar application fee, that he would match the offer. He never delivered on that promise and I ended up closing with Filo Mortgage on 10/02/2020. Amerisave took my money and ran away with it. I never felt they were really after my business when the best offer from Adam was a 2.5% rate purchasing points which would cost me thousand of dollars. The whole experience was drowned in mediocrity, empty promises with nice words and lies. Stay far away and take your business elsewhere.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the sales manager that will return your call. You may also contact AmeriSave's Customer Service Team at 888-700-4026, or via email at customerservice@amerisave.com.

    We look forward to speaking to you soon.

    Verified purchase
    Customer ServiceRates

    Reviewed Oct. 6, 2020

    Nick ** and Dayna ** giving them an A+ rating. It went smooth and very easy. I would recommend them to just about anybody. Dayna ** took the time to answer all my questions and call me back if I needed her to. Same way with Nick. Even while he was camping he took the time to talk to me.

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    Verified purchase
    StaffRates

    Reviewed Oct. 6, 2020

    The refinance procesd was very smooth from start to finish. We got a very low rate and Amerisave employees were always available to answer questions or address concerns. I strongly recommend Amerisave and definitely would do business with them again!

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    Verified purchase
    Punctuality & Speed

    Reviewed Oct. 6, 2020

    Great experience that was quick and easy. Eugene ** kept me informed on where things stood every step of the way and was a pleasure to interact with. Kudos to our Processor, Drew **, as well; great all round Team at Amerisave!

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    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Oct. 6, 2020

    Overall, AmeriSave had the best rates. When I talked to their reps on the phone, they were easy to work with. I went with a 15-year fixed rate loan through them and their online application was quick and easy. I closed in three and a half weeks. I worked with Darius and he was very knowledgeable. He guided me through everything and if I have an email or question, he was always quick to answer. I was very comfortable working with him.

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    Verified purchase
    Customer ServicePunctuality & SpeedBillingLoan Process

    Reviewed Oct. 6, 2020

    The loan originator, Daniel, was very good at explaining all the details and it was followed up by online documentation, so we went for that. We were very comfortable with him. I noticed that because they must be handing so many applications, I'd find out at the end of the week that I needed to submit one more thing. It would then take another week before something else was needed. The processing part of it became drawn out. My expectation was it would close right away because it moved really quickly and smoothly in the beginning, but it took two full months before it closed. However, Daniel did tell me that the time frame could take that long.

    In the beginning, I liked the online system where I could go in myself and find out where the loan was in the process. It was very clear that it was with the appraiser or that it was with the title company. There were steps that were shown how the process was, so that told me it was getting worked on. I didn't need to know who did it, but as long as I knew that it was moving along and that at least something was happening, that was good for me. I could just go in and find out the status (whether or not it was still in process) and if there was something needed from me. I could then go on with whatever I needed to do in my life.

    However, the access for me into the online process was taken away and that bothered me. In the middle of the process, AmeriSave did something with their online system to where I couldn't get online anymore and look at the status of the process. I would have to depend on a call to Daniel and his response. He had to go online himself. Apart from that, AmeriSave offered us very good terms and we agreed with it. It was great. We're paying less for the amount that we got, so we're able to pay a couple of bills and got that out of the way.

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    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppRates

    Reviewed Oct. 6, 2020

    They had the best rate and I got their 15-year fixed program. The online application was easy and the whole process took about 45 days. But there could be a little bit better communication at the very end, like letting us know when it's actually funded. Most of the time, I would send an email or I call, and they always answered when I called and they returned my emails quickly.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Oct. 5, 2020

    I had a bad situation with my mortgage company, Loan Depot, at a closing that was supposed to take place in July. I had paperwork from them in advance. But then, the money they were looking for closing almost doubled. They had it at $4,000 over what was previously identified and agreed upon. I went back online and AmeriSave came up. I spoke with their rep Angela and she was very easy to work with. Any questions I had, she was quick to respond to them. In going through their process, it was nice to be assured that what was agreed upon is what I could expect at the end.

    Throughout the process with AmeriSave, I could easily reach out if I had questions. I was able to connect with whoever was processing my loan. I went with a fixed, 15-year loan locked in at 2.5%. At the very end though, I was led on for a couple of weeks unaware that AmeriSave was looking for additional information from me. When I would speak with their rep Rob who is the other person working on my loan, he would tell me that everything is looking good. All of a sudden, he found I was having trouble getting a document for the equity line of credit that I had as a foreclosure from my bank. Once he made me aware of that, I was able to contact the bank myself and tell AmeriSave what they were looking for.

    The bank informed me that they were looking for something in writing to enable them to identify that the document needed was for a closeout. They told me to include my loan number and things went really quickly. I've already recommended AmeriSave to some people I know from work that are looking to purchase their first home. I told them that AmeriSave is reputable and they keep me in the loop.

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    Verified purchase
    Customer ServiceTechPriceRates

    Reviewed Oct. 5, 2020

    I saw the rates were going down so I decided that now would be a good time to refinance. I searched on several sites that had listings of rates and I did some comparison shopping. When rates dipped to a point where I thought that they were, I put on requests for specific quotes and AmeriSave came back to me with the best rate. The application took about six weeks. It was longer than I thought, but it turned out to be fine because rates didn't go up. In fact, they continued to go down during that time. I was beginning to get concerned, but I had good communication throughout the whole process so it turned out to be fine. I understood that they were very busy because everyone is refinancing right now.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffRates

    Reviewed Oct. 5, 2020

    The gentleman that I first spoke to was Robert. I really liked that you have to do all these transactions via computer. Doing this transaction all from my phone, I'm a little bit of a layman to it. Robert was very patient and walked me through everything that I needed to do in order to get this thing started. I appreciated that. When you do deal with things like this over the phone and to have the ability to make multiple signatures, like we did, as he walked me through, was very easy. I recommended Robert to my fiancée and she's refinancing her home. But we both feel that a little bit more feedback as to when the potential closing date would happen is what I was more interested in. I didn't wanna turn around and have to wonder.

    Once the woman started the phone call conversation with me, making sure that I had all the paperwork, she kind of defined when a closing date would happen. But when you wait two months in order to process a refi, where you're gonna be saving some substantial money, AmeriSave should give me a little bit more advice as to, “Hey, everything is going well. You don't owe us anything as far as paperwork goes. And it looks like you have the potential to close in four weeks.”

    The rate that I got was fine. But the closing costs were a little high. I paid close to $8,000 to get the rate that I did. Dealing with facts and figures on a small telephone, it leaves me at a little bit of a disadvantage as to really get an understanding as to what the closing costs and how much they really were. So I couldn't tell anyone what the closing costs were unless I go open up my phone.

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    Rebecca increased rating by 4 stars.
    PricePunctuality & SpeedLoan ProcessTransparency
    After a positive interaction with AmeriSave Mortgage, Rebecca increased their star rating on Oct. 5, 2020.

    Updated review: Oct. 5, 2020

    Amerisave has contacted me is working on my file. The update was satisfactory.

    Original Review: Oct. 4, 2020

    I was charged a non-refundable $500 origination fee around August 10, 2020. I have sent all requests documents. My originator had problems uploading my documents to the file. My originator Is slow to keep me updated but assures me he is working to sort out my files. I just read today that AmeriSave does not charge upfront fees. I am concerned that I will not receive my $500.00 back and will not close on this loan.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the sales manager who will return your phone call. You may also contact AmeriSave's Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    We look forward to speaking to you soon.

    Customer Service

    Reviewed Oct. 4, 2020

    They hold on to my refinancing for 90+ days without letting me know the outcome nor we never get to closing. No one response to follow up email, messages and calls. No respect to clients. They have asked for same papers over and over again. They give you so much hope and never heard from anyone after the fact. I have never dealt to any lender like this Amerisave ever.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the assigned Loan Processor and Loan Originator, who will return your call. You may also contact AmeriSave’s Customer Service Team at 888-700-4026, or via email at customersatisfaction@amerisave.com.

    We look forward to speaking with you soon.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed Oct. 4, 2020

    I liked the AmeriSave rates and the agent was very good at explaining the process and the options that I had. He kept me informed and tried to find the one that best met my goals, like a combination of the percentage and the monthly payment. He was really good at listening. The loan operator was pretty quick to respond to questions. I got into a 30-year fixed Refi. The process was pretty standard, low touch, with some delays here and there. It was just that the document repository was in different places in the website. I would have liked to see everything in one spot but I felt perfectly comfortable with AmeriSave.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Oct. 4, 2020

    AmeriSave has excellent loan and application processes. I went with them for the refinance of my home and things took two months. AmeriSave dealt with me through a website. There, they would notify me that I had documents I needed to provide. Late in the game though, they asked for information that I wish they had asked for sooner so that wouldn't have delayed the process. Still, I would recommend this company to my friends.

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    Verified purchase
    StaffLoan ProcessRates

    Reviewed Oct. 4, 2020

    The ladies who helped us, Leigh Anne and Natasha, were both very helpful and responsive. I always figured they were swamped because of the season, but that didn't impede them from doing a good job. But there was one specific time that they didn't have the answer to the question, and I'm not sure they knew the answer. On the disclosure forms, in the section where they talked about locked-in rate and floating rate, it was checked floating rate, and we didn't understand it. We asked the question and the answer Leigh Anne gave us was, “Oh, these are generic forms.” It sort of equated to it doesn't mean anything. Your rate was not gonna change. Her answer is a training issue that could be fixed.

    When we got the final disclosure form, locked-in was checked. After looking at it and reading through more of the material, the rate that you start with does float until you get to the point where you're actually locked in. The customer’s information is all approved and the loan is approved, then it's locked, which is different from saying it's a generic form. But it didn't undermine AmeriSave's credibility. But if I was a new customer, I would be pissed that the person who was helping me and who knew supposedly more about the forms than I ever would said, “It doesn't really matter. It's not really floating.” But because of the professionalism all-around of Leigh Anne and Natasha and the design of the websites, we would deal with AmeriSave at least one other time in a refinance.

    When it came to the actual closing, the gentleman who they sent was super cooperative about the whole COVID thing. My husband and I are being super cautious so we did it all out on the front lawn. We had a table halfway or about 10 feet from us, and he just acted like that was the way he does business every day. He went along with our extra precautions. So that was super helpful. We're kind of particular. So we were reading every page and double-checking that we were signing in the right places, but he did a very professional job.

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    Verified purchase
    Sales & MarketingPricePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 3, 2020

    I admit I was skeptical when I got the great quote through Lending Tree, but it was a surprisingly smooth and quick process from start to finish. From application to close was only four weeks. In the end, I got the lowest rate I'd seen advertised anywhere with ZERO points and extremely low closing costs. The loan originator and processor were very knowledgeable and helpful. I've already recommended to friends and family.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed Oct. 3, 2020

    AmeriSave followed up quickly and seemed ready to go. And even speaking with our own bank, we got better rates right out of the gate. The application process was simple. I filled out stuff online from time to time and it was very easy for me. We had a couple of different customer service reps and whenever there was an issue trying to follow up or ask questions, if I couldn't get an answer from them, Heather was right there, very promptly answering my questions. She was great. Everything went very smoothly. It took a little longer than I thought it would, but apparently, there are a lot more people seeking out mortgages at this time in history. At the end of it all, we're very happy.

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Oct. 3, 2020

    Aaron, AmeriSave's rep, explained their loan to us. We refinanced through them and it was convenient as things were done through the internet or by phone. The process was smooth and easy. It took 45 days until we got our check. Aaron always got back to us for any questions and was always available if we needed to contact AmeriSave. I'm very satisfied and I highly recommend them. They are a great company to work with.

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    Verified purchase
    Customer ServiceCoverageStaffLoan ProcessRates

    Reviewed Oct. 3, 2020

    After we filled the survey online, they followed up with multiple solutions on interest rates and what we wanted to choose. After we did that, we were introduced to the whole team, and they led us through the way of our paperwork. We were given another guy for underwriting after we got approved for the loan. Then we went back to our main guys, Drew and Randy. They were some of the most professional people I've worked with on anything. Our rate was unbelievably low and awesome. I really wish it was zero. But we got pretty darn close to that.

    I have a friend that works at AmeriSave and he is a nice guy but it didn't stop there. Everybody I talked to was so helpful. I've been calling other companies and they were not the friendliest of people. AmeriSave led us through the whole way and they sat down and talked to us on each step. This is my third home I bought in my life and I had no idea what I've been signing in the previous times, but it's just like, “Okay. Just sign here, sign here. It's fine.” But with Amerisave, they asked me, “Do you wanna know why you're signing this? Do you know what this means?” I feel like I could sell alone now. It was great.

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    Verified purchase
    Customer ServicePunctuality & SpeedRefunds & PayoutsStaffLoan ProcessRates

    Reviewed Oct. 2, 2020

    The process was a little slow in the beginning, but the rep said it was because of the person that was new in the refi, and they were backlogged. I was getting phone calls from my other mortgage saying I was late and that I would get this and that. I’ve never had that experience because I've always paid on time. I was getting worried and I thought of paying it. AmeriSave told me no, that it would be done by the end of the month. Well, it was done on the 29th, but it stressed me. AmeriSave just had to call and ask. Everything finally went through. Now, I’m very relieved.

    Whenever I would call the loan officer, he would call me back and tell me everything’s good, not to worry, and the papers were all going through. I could go in and see my documents, but I just couldn't see the other side, like when it would happen. But eventually, it did. He said that they were gonna wait to walk it in at the very end and I appreciated ‘cause I got a really good interest rate. Now, I’m interested in how much is going into the property, and how much is being paid on interest so I can get my home paid for quicker. Mine’s a condo, so on the other half, they had to get stuff from the HOA. But they provided that in a timely manner. I got a really good deal on my refi. If I had to do it all over again, I would definitely do it with AmeriSave.

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    Verified purchase
    Customer ServiceOnline & AppStaffLoan Process

    Reviewed Oct. 2, 2020

    When I called in, Curtis was very nice and very personal. I felt safe giving him the business. I got a 30-year conventional fixed loan. The online application was a lot better than when I originally bought my home. The whole process took roughly 30 days altogether, which was exactly what Curtis told me it would take. But it all was faster than that. The issue they were having was trying to find an underwriter because everyone has been so busy. But Curtis pretty much took care of everything. I just provided the information. He was almost like my best buddy. I was very comfortable with him. He gave me his personal cell phone number and told me to get ahold of him any time I had a question and told me that no question was a stupid question. He was the best person I've ever dealt with buying a home or anything to do with loans. I'd recommend AmeriSave highly.

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    Verified purchase
    PricePunctuality & SpeedStaffRatesTransparency

    Reviewed Oct. 2, 2020

    They had the best price and they were responsive when I reached out to them once I connected with my guy. He was responsive, unlike other groups. He was also quick and transparent. I got a very good and very competitive rate. They allowed me to do one last float down because there was so much change on the points because it was taking a little longer than expected.

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    Customer ServiceCoveragePunctuality & SpeedOnline & AppStaffLoan ProcessTimeliness

    Reviewed Oct. 1, 2020

    At the time of application it seemed to be good, the agent I am working with is Quinn. I completed everything online including the $500 fee and got a list of documents to upload which I did that same day. I sent an email explaining that the website does not acknowledge that the documents loaded were accepted so in some cases I loaded them many times. I asked that he look over the documents and if something wasn't adequate then to be specific on what was needed to replace them. I also called and left them same on a voice mail for Quinn.

    The next day I called him again and eventually spoke with him and asked what was going on and why my voice mail and emails were not answered. He told me that he had not received them. Frustrated I explained that what he just stated does not make sense and I have the sent email to prove it. I was told that they are working on many loans and if I didn't like the process I could withdraw my application. Now I am angry and explained to him that if he would return my $500 dollars there are plenty of companies that would be happy to take my application. More conversation went on about how great he thinks he is.

    Since then I received a request for two years of tax returns. I sent them in and advised them they were password protected and gave him the password. I was then asked to send them unprotected. I did so but felt that was not a safe way to send that kind of information. I then received a request for Insurance information which I had already sent but this time it was specific and I had the insurance agent send them and copy me. Two days later I received a request for the same thing again. I forwarded the original email with the documents and have not received any kind of acknowledgement. I decided to contact Quinn's manager and left him a voice mail and an email later that day. Today I called and left another voice mail and sent an email also. Terrible communications with this company. I have no idea of what is needed and where we are.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for your feedback. We regret that communication regarding the status of your loan has been delayed or lacking. AmeriSave is experiencing unprecedented call volume and our employees and managers are returning calls as quickly as possible. Your feedback has been forwarded to the sales management team who will reach out to you. You may also contact AmeriSave's Customer Service Team at 888-700-4026, or via email at customerservice@amerisave.com.

    We look forward to speaking to you soon.

    Verified purchase
    Customer ServiceTechPunctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 1, 2020

    I need to bring down my interest for almost 5%. I’m also a veteran and I wanna use the VA benefits so I looked into a mortgage. I applied for a 2.25% loan program. I sent all the paperwork immediately after it was requested by the AmeriSave. We had a waiting period every time we submit something and it was good. The best part was that the people that worked with me always stayed upfront with me. They were always providing information about what's my status, what's going on, and what's going to be the next step.

    The two ladies who worked with me, Robin and Hong, were outstanding. The processing took little bit longer and it was not their fault. The same time that I was doing the refinance was the time I put in a solar in my house. Then the solar company, Momentum Solar, put a lien on my house and it slowed processing back. I had to get in touch with them that was working on the system. They helped me out and tried to get everything as faster as possible. Everything came out perfectly. They were really professional and they took care of business. They also got personal and talked to me and they cared about me. We had fun and we laughed together. They did above or beyond. They called me on the day off to make sure everything's taken care of. It was so well that I recommended my brother to do it. Right now, he's working on it. Overall, I love the place. If I have to do a refinance, I will do it again with AmeriSave.

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    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed Oct. 1, 2020

    I was starting to shop around a little more after talking with AmeriSave. I ended up negotiating with them some rates. Elizabeth ended up really doing a great job. It felt like she was working for me personally. I didn't feel that I was getting taken advantage of. We had some nice phone calls back and forth, talking me through everything. So it was very personable. She didn't just give me the cookie-cutter information. We went over many different options and she took the time to understand what I was going through and what my needs were. I really felt that she tailored a plan directly for me and not just what she was trying to push.

    The process took about six weeks. I was satisfied with that timeframe. In normal conditions, that’s a little bit longer than I would have liked for a refi. But I'm also understanding that it didn't matter who I was talking to. With the amount of loans that were going through and with the interest rates being so low, it was right on par, if not sooner, than any other competitor.

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    Verified purchase
    CoverageSales & MarketingPunctuality & SpeedStaffRates

    Reviewed Oct. 1, 2020

    AmeriSave Mortgage was advertising a very attractive rate. The application process was very good. The underwriting process was extremely detailed and took much longer than we anticipated. It began in July and ended in the middle of September. However, it resulted in our ultimately getting the mortgage that we had thought. The rates and terms were exactly what we had anticipated. We're very satisfied. The rep was great to work with. However, because this was such an incredible rate, they got overwhelmed with business, and that slowed the process down, which is understandable.

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    Verified purchase
    Customer ServiceTechSales & MarketingPunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed Sept. 30, 2020

    We use an online service to compare amongst the lending providers, and AmeriSave had the best rate with the least amount of points we needed to purchase to get the best rate. I did a refinance with them. We done the online part of the application at night. Within 24 hours, we got a call back. It took about a week and a half for us to get the bulk of the paperwork into them. Then about two weeks after the process started, they sent the guy to notarize the contract. Within about a week and a half of that, we got the first notifications that the various loans were being paid off because we also used it to consolidate some debt. After a month total, the whole process had been completed. So, we got the last of the payments by about a month.

    One of the things I was really impressed about AmeriSave was the rate didn't change throughout the whole process. What we saw on the Rocket Mortgage was pretty much what we got by the end of things. Even though the rate had not been locked, we had been assured that it wouldn't change between the beginning and the ending of the process. And it stayed.

    Overall, it was a really good experience. They were quick to answer questions. They were really flexible with getting the notary out here. One slight complaint is they had kind of like a web portal for giving them the documents and stuff. And sometimes that felt a little clunky. It was a little slow. You’d upload a document, then you need to leave the page five minutes or so before it would take. But that's a tech solution, not like a business or a process fix. I have recommended them to a friend recently. She's planning on refinancing her condo. With AmeriSave, you get what they agreed to. There's no bait-and-switch anywhere in the process. They're really attentive and quick to answer questions. Overall, they got a very smooth and easy process.

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    Verified purchase
    MaintenanceStaffRates

    Reviewed Sept. 30, 2020

    Rates were down and I wanted to refinance and get some cash out to fix things in my house. As soon as I sent some questions, we started the process. It was a very easy process. The only problem was it was kind of ambiguous at times, getting information to them. I re-uploaded once or twice something I'd already uploaded. But that was not a big deal. The guy that I worked with was very nice and helpful. I was a little frustrated one time because I had already uploaded information, and he was very calm. The webpage could use a little tweaking as far as being able to access what you've already uploaded, because for a while, I could see clearly what I had uploaded, and then I couldn't, so that caused a little bit of confusion. Overall, they were very kind and available to explain things. I was very pleased with my rates.

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    Verified purchase
    Customer ServiceSales & MarketingPunctuality & SpeedRates

    Reviewed Sept. 30, 2020

    I looked up refinance rates on Bankrate. AmeriSave popped up and I just went with them. I started out online. And then I got a phone call and ended up talking to the person that I ended up working with, whose name is William. He walked me through what the process would be, and just said it’s pretty easy, and decided to go with it. It made sense to me.

    William did a really good job. I refinanced before in the past, but I've always done it at a bank or in an office. This is the first time I did something like this online so I had some apprehension. I talked to him. He hadn't given me a sales pitch, say, "Hey, why should I use an online company when I can go down to my bank and use my bank?" He made me feel pretty comfortable on why I should. And there's a lot of sensitive information that gets traveled back and forth so I was a little apprehensive about that. But he sent me ID's. And I'm like, "Yeah. Okay." It makes sense to me. Everything was secured. It worked really well. The whole thing was done in three weeks. I was shocked how fast it went. I was not expecting it to go that fast, but it did. I like that. That was nice how quick the whole turnaround was.

    There were a couple of things when they required paperwork that seemed to be repetitive. It had mostly to do with my homeowners association, but it was minimal. It felt like I was uploading the same document two or three times. But they were just asking for different information each time. But all the information was on that document. So it was like, "Okay. I'll just re-upload it 'cause there it is." I re-upload it again. But for the most part, it was straightforward. And it was very minimal work on my part. It made it really easy for me. I was really happy with the rates and terms. It was better than what I was getting here locally. That was also a deciding factor in it. I had a friend of mine who will refinance so I gave him William's name.

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    Verified purchase
    PricePunctuality & SpeedOnline & AppStaffRates

    Reviewed Sept. 29, 2020

    We liked AmeriSave's price. The online application was easy enough. I sent all the documentation they required. The paychecks, everything. However, they didn’t include the every year bonus that we have, so it was deducted to get what I was quoted. But that was the biggest hiccup. The rep was probably the only reason why I stayed at some point. He was always calm. I lost my temper a few times so I was about to drop this, but he always patiently listened to my concerns, and he would come up with other points or the reasoning. We had some hiccups, but closed at the end of the day. I still didn't get the rate that was looking for but it's a great time to refinance. I know it still goes down little by little, but I didn't want to wait and see. Who knows? It could have gone up any time.

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    Verified purchase
    Punctuality & SpeedStaffRates

    Reviewed Sept. 29, 2020

    I wanted a low interest rate. I read that AmeriSave Mortgage had good reviews and they got the interest rate that I was looking for. The process was a bit long, but it was pretty easy. Most everything was done online. And they communicated with me really quickly on, “Hey, we need this,” or, “They need more information.” So, I was able to get that to them quickly. It was just more of a waiting game. It was really easy online, though. I didn't have to provide a whole bunch of bank statements and stuff like that, like I had before. It was easy to link my bank account.

    Also, they had quick, really easy solutions. They sent me a link, “Hey, go to this link, and then it will be right here.” It was exactly as they described it. I could have gone with the lower interest rate. And I was given several different options on if I wanted to take money out, I could go this route or I could go that route. I just told them exactly what I wanted and that was what I ended up getting. And then, I needed to contact them because I had issues figuring out where I was supposed to upload some documents and a couple of little issues that I needed some help with. I contacted them and they got back with me really quickly. I started in July and I closed in September, so it took six to eight weeks.

    I wish AmeriSave could communicate a little more on the timeline, because I had gone through a more traditional method before and it was quick. We were closing quickly and I wasn't expecting to wait six weeks to close. Other than that, they had the notary come to my house, and I signed all the papers in my house. I was able to schedule it and do it at my convenience. Check AmeriSave out. It's an easy process.

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    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Sept. 29, 2020

    I refinanced my house last year because I got a good customer service from Xavier, and he called me, so everything was more hassle-free. This is my second time doing a refinance. It was super easy. Xavier knew what he was doing and made everything very easy. I was impressed that everything was closed very fast. Xavier told me that it was gonna take about a month because of the situation. But it was closed in less than three weeks, which was good.

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    StaffLoan Process

    Reviewed Sept. 28, 2020

    Consumer Affairs shows a no application fee as a pro. This is not true. I connected with a loan specialist and found out there is a $500 application fee -- AFTER he ran my credit. I would have not proceeded had I known there was a fee this high. I expressed my concern to the loan specialist and was shocked by how he handled a simple expression of disappointment. I won't do business with AmeriSave on principle alone.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for providing your feedback. Our Customer Service Team would like to understand more regarding your experience as soon as possible. AmeriSave Mortgage takes our customer feedback seriously. Please contact our Customer Satisfaction Team toll-free at 888-700-4026, or by email at customerservice@amerisave.com.

    We look forward to speaking to you soon.

    Verified purchase
    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsLoan ProcessRates

    Reviewed Sept. 27, 2020

    The gentleman from AmeriSave that I spoke to, in the beginning, took the time to talk to me about the different rates and the different things we can do. They also had the best rate for what we were looking for at the time. My only complaint, was once we had the whole application and then it went to underwriting, there wasn't a lot of communication. It was just a lot of waiting. They could've been more communicative about where we were in the process. Even if they had that screen that says it's in underwriting, it doesn't tell you a lot of things.

    Then when we filled out the loan application, we had asked for a certain amount of money. Based on some of their calculations, they changed it a little bit so that we would be getting a little bit less money back than we had intended. But we were never told that until the loan was approved. If only somebody would've called us and said, "The only way we could approve this is if we lower the money you want from cashback." But other than that, we were happy with it. The rates and terms of the mortgage were fine.

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    Verified purchase
    Rates

    Reviewed Sept. 27, 2020

    The process of working with AmeriSave was fine. At the time that we were applying, the rates were right in line with everybody else’s. Everything went through almost flawlessly on us. My wife did not have any problems with the application process. I was surprised then how smoothly it went. I'd recommend AmeriSave.

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    Verified purchase
    Customer ServiceStaffRates

    Reviewed Sept. 26, 2020

    I was on LendingTree and I put in I wanted to refinance. When I did that, I got a call from the agent of AmeriSave and he helped me through the whole deal. I went with a refinance with cash-out and the process was really easy. However, it took a while 'cause we're in the situation where everything's taking longer, but it was fine. Everything was handled well. Our agent was very helpful and great. The rates and terms of the mortgage were real good. They were the same as what we had before.

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    Verified purchase
    Customer ServiceStaffRates

    Reviewed Sept. 26, 2020

    I was looking at refinancing in general. A 30-year. I didn’t know when I did it that it was through LendingTree. I also didn't realize that the amount of responses would be flooded. It was a little much at first. But with AmeriSave, it was good. Leah was really great to work with. She was my mortgage person that we worked with directly. Very helpful and nice. From start to finish, right from talking to them for the first time all the way to close, it was a little longer than three months. Also, we were pleased with the rate. It was a lower one and I don't feel the fees or anything were unreasonable. We had a good experience. I had other family reach out to us who we had used so I recommended them to try AmeriSave.

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    Verified purchase
    Customer ServicePunctuality & SpeedLoan Process

    Reviewed Sept. 25, 2020

    I did refinancing with AmeriSave before. Recently, I decided to go with a 30 years fixed loan with them. They have a good process. I'm reasonably happy. They did everything. There were some delays but not big ones so everything worked out fine. All interactions were online. They place a task there for me to complete, like a couple of some documents or they will send emails with questions or answers to my questions. So it was very good and very fast.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingRatesTimeliness

    Reviewed Sept. 25, 2020

    AmeriSave was a little more responsive when talking on the phone and we ended up clicking. And they seemed to be better. However, obtaining the mortgage was a pain in the butt. It was just a lot of forms. AmeriSave had to have 12 months of payments from my girlfriend’s part of it. So, the income had to be adjusted. And then, I gave them 11 months, but they wouldn't do it without the 12th month, so I had to wait an extra month. I get it, it’s the law, but it was just frustrating. But it really wasn't AmeriSave’s fault.

    Applying was fairly easy but we had to wait for the adjusted income so it took about eight weeks. But the only complaint I really would have is that if when I reached out to talk to somebody, I wouldn't get an immediate response. It would take a bit. Other than that, it was a very professional and pleasant experience. AmeriSave was very helpful. If I had anything in line, I'm sure it would be done a lot faster. Also, I was extremely happy with the rates and terms.

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    Verified purchase
    StaffRates

    Reviewed Sept. 24, 2020

    I refinanced due to the lower interest rates that are going on right now. I did a bit of shopping around online. I came across AmeriSave, and they were really helpful through the process. With my last experience, I had to do it all in person and it was a lot more hectic. But recently, the most resounding aspect of it was to be able to do it online and not have to be somewhere in person, because I live 55 miles from a big city. I didn't need to provide many documents since it was a refinance. It was like transferring some of the things I already had, except for appraisal. I had to do another appraisal and normal steps of a mortgage. You had to show your income, last bank statements, and all the various qualification forms. It just fell into place.

    Quentin was my representative. Jay was also pretty helpful as well, who has more of the financial end. They were outstanding. They walked me through the whole process. And when I had any issues, they were on it. It took a bit of time, but there was no holdup on their part. Just things getting worked out, especially on my end because I work full-time. I would recommend AmeriSave to people. The rates were excellent. Also, I enjoyed working with them. It was a painless process and they had great customer support. Plain and simple.

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    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 24, 2020

    I was comparing rates. I did an online application which went to several different lenders. AmeriSave Mortgage gave me the best numbers, so I went with them. Overall, everything was pretty smooth. I'm doing my investment property now. I have the two homes with AmeriSave. I just did my primary last month and I should be closing soon on my investment property. The first one went pretty smooth. I know right now it's a very busy time for mortgage people, so sometimes it was difficult, but you don't get called back as fast as you would expect. But I understand that due to the times and the workload that they got, it's taking a bit longer than expected.

    Everything was pretty much told to me upfront. So, it was one of those that it was done early in the beginning and I have been kept aware of everything that's going on during my process. There wasn't anything shocking or last minute because I was advised of things in the process that were to come. I have recommended AmeriSave to three or four coworkers and I even put them in touch with my loan person. They have called in.

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    Customer ServicePunctuality & SpeedStaffTransparency

    Reviewed Sept. 23, 2020

    I received a lot of refinancing offers by mail and decided to look into who should I go for. I read some good reviews about Amerisave. After a $500 fee, I’m writing this review because I have not heard anything yet and can’t even get a rep on the line after so many call attempts and voice messages left. Every document requested have been sent back within 24 hours. Over 45 days. It’s been over 2 months. On day 33 I sent an email asking for an update and if there is a hold up since a refi should only take 30-45 to close. I was advised that “we are within the normal timeframe”. Ok 2 month later and still no answer is definitely not under a normal timeframe. They save your phone number so when you call, you can’t get anyone on the phone and you leave a voicemail to never get a call back. I never put any reviews up but the lack of professionalism is out of control.

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    Response from AmeriSave Mortgage

    Thank you for connecting with our Sales Management Team last week. We appreciated your patience, and your mortgage experience is very important to our company.

    If we can assist you in the future, please do not hesitate to contact our Customer Satisfaction Team at our toll-free number 888-700-4026, or by email at customersatisfaction@amerisave.com.

    Thank you again for allowing AmeriSave Mortgage to serve you with your mortgage needs.

    Verified purchase
    Punctuality & SpeedStaffSales Tactics

    Reviewed Sept. 23, 2020

    Quick and responsive. Made to feel appreciated. Answered all questions. Were not not overly pushy, demanding from beginning to end. Worked diligently to explain multiple options and details with each. Processing was quicker than I thought it would be. Excellent followup when requested.

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    Customer ServicePriceStaffBillingRates

    Reviewed Sept. 23, 2020

    The rate might be good, but their service is awful. No one has any knowledge of their products and services. I’ve closed almost two months ago and still haven’t received answers to my questions. They even charge $150 to set up bi weekly payments!!! Their lack of response and inability to answer customer questions is alarming at best. Their unprofessional comments to me questioning them was even more alarming. If I did that to a customer I would have been fired. I would rather pay a higher rate to know my questions and concerns are being address and know that I won’t be spoken to the way I was. Shop around!!

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for providing your feedback. Our Customer Satisfaction Team attempted to contact you last week and we would be interested in speaking to you further regarding your experience as soon as possible. Please contact us toll-free at 888-700-4026, or by email at customersatisfaction@amerisave.com.

    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 23, 2020

    I submitted a refinancing application with Amerisave as they were offering the most competitive rate and overall package apparently. After uploading all my documents and completing the disclosures, I received additional disclosures. One document in this package suggested a change in the fee listed on the loan estimate previously provided. I emailed and called my loan officer, Julio **, and never got a response. Only an email stating that he was caught up. I waited and sent follow-up emails and calls. On my last emails I also copied their customer service and generic loan office email. I never received a response or even an acknowledgement. I'm going to stick with the known banks.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for providing your feedback. Our Customer Satisfaction Team would be interested in speaking to you further regarding your experience as soon as possible. Please contact us toll-free at 888-700-4026, or by email at customersatisfaction@amerisave.com.

    Verified purchase
    Customer ServiceStaffLoan ProcessRatesTransparency

    Reviewed Sept. 23, 2020

    I was looking for a refinance with a better interest rate. I filled out a profile on LendingTree and I was matched with AmeriSave. Their portal to upload documents is very rudimentary. I've used other ones like Rocket Mortgage through Quicken Loans which was way easier to use. AmeriSave has to update their portal. Other than that, everything was good. My phone processor, Teresa and John were helpful and everything was good.

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    Verified purchase
    Customer ServiceStaffRates

    Reviewed Sept. 23, 2020

    My wife and I did a refi to take some equity out of our home. The application process was fantastic. Ali walked us through everything. Kept us informed. We have nothing but praise for him. And then when he passed it on to the next person, the processor, however they do it, they were great. And then it went on to some girl for the final closing and she was fantastic too. She called me on a Friday night at 8 o'clock to let me know something. I told her, "What are you doing at work? Go home."

    I couldn't be happier with the rates. Ali set me up in some kind of float process where we float the interest rate where we would get no lower than 3%. He called me in about something 10 days into the process and said, "Hey, we can lock it 2 and 7/8s. I think we should lock." And we locked in. I'm now sitting at a 30-year fixed with 2 and 7/8s, so I'm a pretty happy person. My wife and I have bought several homes. We have refinanced multiple times. By far, AmeriSave was the best one and we have recommended it to anybody we talked to. In fact, we told a few of our friends if they are thinking to refi. We gave them Ali's name particularly, and recommended and steered business AmeriSave's way if they would like do it.

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    Verified purchase
    Customer ServiceStaffRates

    Reviewed Sept. 22, 2020

    I had a refinance originally and I looked into a mortgage to take advantage of the lower rate. Everybody's doing everything online now, especially with COVID, and it seemed like AmeriSave was very well prepared in the background. The website was really user-friendly, the communication, notifications, and being able to access your documents and upload them. That was really a piece of cake. Also, I dealt with Alfredo mostly and he did a fantastic job. He answered most of my questions because it's always a complex process for us and he was very knowledgeable. He had answers for everything and if he didn't, he found them. We shaved off three-quarters and shortened the term to 20 years. We're still saving money when all is said and done with the consolidation. It was a great experience.

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    Verified purchase
    PriceRates

    Reviewed Sept. 22, 2020

    I refinanced my house. We went with AmeriSave because of their cheaper rate. Everything was fine with their application process.

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    Verified purchase
    Staff

    Reviewed Sept. 21, 2020

    Always bearing worrisome concerns here and there when people do mortgage refinancing, right? With AmeriSave you needn't be so - if you're to go through the process just like I've very recently experienced, you can rest for sure worry free because their representatives are professional, patient, reliable and responsible, helping the process as smoothly as you could feel.

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    Verified purchase
    Punctuality & SpeedOnline & AppRates

    Reviewed Sept. 21, 2020

    AmeriSave Mortgage was number one on the list of top ten mortgage companies. But just as importantly, they had very low rates and very fast processing of the mortgage. It was also very convenient, and their website is very easy to follow. They put all the documents out there. The whole thing, including all the way up to closing, was not quite four weeks. They did a good job. The three people's names that were terrific were Clint, Alicia and Christina. The rates and terms were just like what they promised me, and the rate was very good.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 21, 2020

    Our experience with AmeriSave went pretty well. I'm in Hawaii, so it was a little bit difficult with the time difference. That was the biggest hurdle that we had to jump through throughout the process. But other than that, Gage, the rep I worked with, was very attentive and answered all my questions. He was really quick to respond to anything that I needed. I was very happy with the terms I received. He did a great job getting me the best deal he could. There were some other issues. I had to go away for training and was not able to have my phone with me, so I had to do a power of attorney. There was a lot of back and forth with the escrow office, the title office and AmeriSave on getting the documentation right. But it wasn't too painful.

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    Verified purchase
    Customer ServiceRates

    Reviewed Sept. 20, 2020

    I wanna refinance to a lower rate. Somebody called me from AmeriSave and we talked. I told them what I wanted and they accomplished what I needed. Their customer service was really nice. AmeriSave has a great team.

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    Verified purchase
    Punctuality & SpeedMaintenanceStaffLoan ProcessRatesTimeliness

    Reviewed Sept. 20, 2020

    Obtaining my mortgage was very quick and easy. There was one computer glitch one day, but that was fixed the next day, and AmeriSave's loan officer was professional and the guy that came and did all the paperwork with the title company was great as well. The rate and terms are comparable to other lenders. I didn't know if paying the points to get the better rate was just something I would have had to do with other people, but I was just more willing to get it done. I'm satisfied.

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    Verified purchase
    Loan ProcessRatesFollow-ThroughHonesty & Transparency

    Reviewed Sept. 19, 2020

    I was supposed to close with another lender and thankfully came across AmeriSave and ended up saving thousands of dollars as we compared rates and fees. Ultimately, AmeriSave closed the loan and did exactly as promised with no surprises. They were honest and professionally and provided timely service.

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    Verified purchase
    Sales & MarketingPriceRefunds & PayoutsStaffRates

    Reviewed Sept. 19, 2020

    I had renovated this house and moved into it. I decided to remortgage it and use some of the money to renovate the house. Everything worked out fine with AmeriSave. I got the interest rate and the term I wanted and a little extra cash. They were very easy to deal with and they have a nice website, too. They let me buy down rate and they explained to me how much it would cost to buy down that and how long it would take to get that money back. They helped me make a very good deal. They're legit. Sometimes, you find these companies online and you don't know who they are. But I did a little research and the way everything turned out, they did exactly what they said they were gonna do.

    My sales rep was excellent, stayed with me the whole time and transferred me over to the person who gets it approved and made sure I have all the information. Being self-employed, it took a little bit longer for me to get the information they needed, like getting my previous mortgage company, the credit union. But they walked me right through it so I really have no complaints.

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    Verified purchase
    CoveragePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 19, 2020

    The online application was pretty seamless and I provided all my W-2s and tax. I have over 850 credit score and employment history, and I didn't know why it seemed like the underwriting took two months. But I understand this thing is not quick and they have to check the property and all that stuff. The rate was pretty good. I compared it with others and it seemed to be as close to the one of the top tier, the best rate. The originator was very aggressive to do the loan but the processor wasn't very communicative or sometimes he didn't quite explain it right or blamed it on the IT problem and it wasn't really that problem. They act like this is the first time they're doing it which I couldn't understand because they do this loan for business. Overall, it's pretty good, it's just that it took long.

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    Verified purchase
    Customer ServicePriceStaffRates

    Reviewed Sept. 18, 2020

    I'm an expert in computers and I found the application easy to do. I'm trying to lower my interest rate 'cause I was paying too high. My sister did it too with another company, and she talked me into checking it out. So I went online, I put my information and AmeriSave was the first one to call me. I like what they offered me, and I went with them. The service is great and the whole staff was great to me. They did an awesome job. I'm very happy with the result and I definitely will recommend it to anybody that is is looking to refinance or purchase a home.

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    Verified purchase
    Customer ServiceCoverageSales & MarketingLoan ProcessRates

    Reviewed Sept. 18, 2020

    AmeriSave offered a good interest rate. I got a traditional 30-year loan from them. There were a couple of times where I had to ask the processor gal if she talks to the other guy because it wasn't what we talked about. I literally emailed, "Do you guys talk to each other? Because we already discussed this piece." So whatever was discussed and agreed upon should be in some sort of communication so that they have some way of talking to each other. But they always fixed it. They were really good about my questions or concerns. I was pretty happy with the rates and the terms. Kyle did a really good job on that.

    I had a refi with a little bit of cash-out type of thing and I had asked about that. But it was not in there. They should have some sort of a place somewhere in their files or communication when they are transferring the customer. You talk to the first guy and he's the charismatic sales guy, and then they move you to a processor who actually deals with all the junk.

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    Verified purchase
    Staff

    Reviewed Sept. 17, 2020

    One word.. Lydia. Lydia was very helpful and patient, and treated me like we had been friends for years. The refinance process was painless and easy. Lydia kept me informed of all of the refinance activities and their status. Thank you Lydia.

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    Verified purchase
    Punctuality & SpeedRates

    Reviewed Sept. 17, 2020

    I am so happy that I chose Amerisave for my refi. Michael was great to work with. I couldn’t believe how fast everything went through and I got an interest rate that I didn’t think was possible. There were a couple of bumps with the title company, but Amerisave was awesome!

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    Verified purchase
    Staff

    Reviewed Sept. 17, 2020

    I would have a friend contact Mr. Wisler **. This way they would not having any problems understanding the total package as to refinancing from A to Z. My hat goes off to Mr. **. I totally would like to thank him for his professional skills and understanding of my needs.

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    Verified purchase
    Staff

    Reviewed Sept. 17, 2020

    Larry wanted to build a sunporch onto this house. So he wanted to refinance and be able to do that. He went with AmeriSave because the man that he was working with suggested it. I did most of the process. We had to dig up a lot of information that he needed and we did all that. Everything went real well. I dealt with Omar and he was very, very good. He stayed right on it until everything was done. He explained everything. He was very detailed. He really helped me. He really worked with me a lot.

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    Verified purchase
    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 17, 2020

    I refinanced because I wanted to get a lower interest rate. I also had purchased this house with an FHA loan. I got linked to AmeriSave through LendingTree. I talked to AmeriSave and to another company, but I liked how it was presented to me with AmeriSave. The first guy that I talked to was very, very professional. Before we even did my credit check and he sent me some scenarios of what it would be if I did it this way or that way. It was very clear and understandable. The presentation was done really well. It was easy to interact with the people. I could do everything on my phone, except a couple things. I had to fax one thing to them. But it was very streamlined. The customer service was very good. I got my lower rate and I'm saving about $350 a month with my new loan. So it worked out. I'm very happy.

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    Verified purchase
    StaffRates

    Reviewed Sept. 16, 2020

    They were very helpful and cooperative and did a wonderful job. I will certainly recommend all my friends and relatives to go with Amerisave when they need refinancing and mortgage for the their new home. They will help to get best lowest interest rate and APR.

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    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Sept. 16, 2020

    Isaac was a very pleasant to work with, he was easy to reach and always returned my calls. Nicole however was completely the opposite, most of the time it seemed like she was just winging it. She would set up an appointments and then claim we never had them. I have the text and Emails to prove my point. If she was my first contact at Amerisave I would have taken my business elsewhere.

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage

    Thank you for providing your feedback. Our Customer Satisfaction Team attempted to contact you today and we would be interested in speaking to you further regarding your experience as soon as possible. Please contact us toll-free at 888-700-4026, or by email at customersatisfaction@amerisave.com.

    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffRates

    Reviewed Sept. 16, 2020

    I wanted to refinance because interest rates were lower. I searched for refinance and AmeriSave came up on top. When I clicked on the link, it had a very simple way to show different types of mortgages offered and what rates were there. And for every rate offered, there is the amount of lender credit which was being offered, so it made it very easy to understand. AmeriSave had the best price. The rates were the lowest and the service was also very good. Then I applied online, and then a mortgage originator contacted me quickly, walked me through the process and got everything started. It took about three weeks end to end.

    I submitted all the papers online. There was constant communication happening from their end, letting me know the status of the mortgage. Then once everything was approved, I got a call for scheduling the closing, which was on a Saturday. The person came to my house, signed the papers, and we were done. It was a pretty good process. It was not very long. Everything worked out really well.

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    Verified purchase
    Punctuality & SpeedOnline & AppStaff

    Reviewed Sept. 16, 2020

    Their reviews were really high and they were very efficient and professional. The online application was simple and to the point. They did the whole process very quickly. It was within 14 days. Everything was done professionally. The guy that I worked with was awesome. He did a great job. He was very responsive, very receptive and very efficient. The whole process was painless.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 15, 2020

    While my overall experience was excellent, there were a few glitches in the process. For example, I received requests for at least three documents which already had been uploaded and reviewed. There also was a serious typo in several of the documents in which they misspelled my first name ("Email" vs "Emil"). I guess that's more humorous than fatal, but it was a bit annoying. Despite these few issues, I'd readily and happily use AmeriSave again in the future. They always were clear and cordial in all transactions, including sending a CPA to our home to perform the actual closing.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Sept. 15, 2020

    This whole process with Amerisave has been a horrible experience for my husband and I. We started our refi on 7/14/20. They told us our refi loan was a very simple process and that it would take 30 to 45 days to close. They had ALL the documentation they needed from is since the second day we started the process. It is now 9/14/20 and we are 60 days in and still don't even have our rate locked yet!

    We have gotten nothing but the run around for everyone at the company. Our loan officer Juilo ** doesnt return our call for days at a time. I have tired several times to speak with his supervisor Johnathon ** and only got through to him once. Our loan is a cookie cutter loan and should not have taken as long as it has. Two months and our rate still isn't locked yet? That's a bit excessive and whats even more troubling is they clearly don't care...not even enough to return your call. We have done refis before in the past and never had issues like this. Save yourself the time and headache...Look for another company!

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    AmeriSave Mortgage
    Response from AmeriSave Mortgage
    Thank you for sharing your feedback. We appreciated your patience, and we regret that you are unable to reach the communication requested on your loan.

    A Customer Service Team member will be researching your questions and we will ensure you receive contact for an update.

    Our Team can be reached at 888-700-4026,or via email at customersatisfaction@amerisave.com. We look forward to speaking to you.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 15, 2020

    We did a refinance with AmeriSave and our current mortgage is with AmeriSave. We are repeat customers. I did a home refinance. From my point of view, working with them was very easy and very good. The application process was very straightforward and simple. We were sitting down and applying online was a matter of minutes. Then the whole process for the application to be approved was within a couple of weeks. It went relatively quickly in the grand scheme of things. I have very good experience with the customer service reps. They were all very personable and friendly and willing to help. Also, they were very responsive and timely when questions came up. I was impressed that they would follow up. The rates and the terms were very favorable for us, so we decided to go with the loan.

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    Verified purchase
    Staff

    Reviewed Sept. 15, 2020

    The process was straightforward and very simple. It was very comprehensive and very helpful. From beginning to the end, it took no more than a month.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 14, 2020

    The whole process went very quick, everyone we came into contact was very professional. It was a little strange not meeting anyone face to face other that the notary, although that was understandable considering the pandemic. Any texts or emails were always answered in a timely fashion and all fees were very competitive. Would not hesitate using Amerisave again.

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    Customer ServiceTechRefunds & PayoutsStaffLoan ProcessRatesTimeliness

    Reviewed Sept. 14, 2020

    I would have given - star to AmeriSave Mortgage for their customer service and all mortgage-related service they provide to their customer. I transferred my loan to Amerisave this year May. While they were closing I told the loan originating contact agent Marc ** that my tax information is not correct and it should be corrected before I sign all the paper. However, the mentioned agent did not make any search and just assured me that they did inquiry with the county tax office and the tax amount they provided was correct. And very next day, they came back to close the loan process and did it. However, after few months I received a letter from the county office with due tax for the first 6 month which was not paid and the amount was more which I mentioned before.

    I contacted several times to customer service. They have only one email address and phone number to contact. Each time I get a new person to pick my call and they never resolved my problem. They never paid my overdue tax and it ended up now with penalty and interest. And again I contacted customer service, same issue another lady picked up the call, asked do this and that, and assured me it will be taken care now. Alas! Amerisave never did anything till today. I have no fix name to contact, no fix number to call and no fix email. Every single time I contact them they just listen and do not solve the issue. I do not know at this point how I can get rid of Amerisave. Shame on Amerisave customer service. I wish I would have checked reviews on Trust Pilot and Yelp before I process my loan.

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    Response from AmeriSave Mortgage
    Sunita,

    Thank you for providing your feedback. Our Customer Satisfaction Team attempted to contact you today and we would be interested in speaking to you further regarding your experience as soon as possible. Please contact us toll-free at 888-700-4026, or by email at customersatisfaction@amerisave.com.

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffRates

    Reviewed Sept. 14, 2020

    I recently decided to refinance my home. I checked rates and fees with four different lenders and AmeriSave beat them all (including my current mortgage company). The paperwork and online application process was very simple. I was impressed with the very fast response times from the Amerisave staff that I worked with. They were always there to answer any questions. I highly recommend going with Amerisave to save you time and money!

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    Verified purchase
    CoverageSales & MarketingStaffTransparency

    Reviewed Sept. 14, 2020

    Mike the Sales Rep at AmeriSave was a pleasure to work with. Mike went over our income with me and requested explanation and documents upfront and before underwriting which we appreciated. I truly think the extra effort mike put into our application in the beginning helped this process go way faster.

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    Verified purchase
    CoveragePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 14, 2020

    I was googling mortgage rates and AmeriSave came up and the rate looked attractive, so I inquired with them. I went with AmeriSave and did a refinance. The process is simple, and the people were very helpful. I worked with a few different people. There was the primary loan officer, and then there were two people I dealt with who were involved in processing the closing. Then at the closing, they sent someone who was a notary who helped us sign all the documents. The application and underwriting process were quick. AmeriSave was very good. I was very impressed. I was happy with the rate, too. I'd tell others about their efficiency and that the people were very nice to work with.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed Sept. 14, 2020

    The AmeriSave rep I talked to was nice so I stayed with them. The application was pretty smooth, especially during COVID. They did a good job. It took just under three weeks from the first phone call to when we closed. It was extremely fast so I appreciated that. However, I need to know where to send my payment. I have not received that information.

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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 - Ste. 600
    City:
    Atlanta
    State/Province:
    GA
    Postal Code:
    30305
    Country:
    United States
    Website:
    www.amerisave.com