AmeriSave Mortgage Reviews

It was so well organized and so easy doing this process with AmeriSave Mortgage. Representatives followed up and were in touch with me every step of the way. The documentation process showed me what to do, showed me where I was. The company made sure I knew when something else was needed and made the submission process smooth.

Quick, easy, reasonable fees and met my expectations. Would use again if in the market for a mortgage. Communication was good from the start and closed in about 30 days with expectations met. Entire process from applications to closing and funding was easy and efficient. Well done.

Great to work with - personable, local representatives with quick responses to all questions asked - seamless online process served us well and we were easily able to switch mortgage over from another lender. Easy closing in a short time period, as well.

We had a good experience with you guys, thanks for the low rate, and looking forward to being your customer over these years! Rich and the rest of the team treated us with such kindness, and it was deeply appreciated!

Pain free, trouble free way to refinance your home. Good communication and they are always responsive to any questions you have. The rates may not exactly be the cheapest in the industry but they very competitive against most lenders. I would recommend AmeriSave Mortgage to anyone that is looking to refinance their home.

Brittany ** was very helpful and accessible through the whole process. She answered all of my questions and proceeded with the application in a very timely manner. Jamie ** was also great in assisting with the closing procedure. I was also very pleased with the closing attorney that Amerisave assigned.

My entire mortgage refinance process was completed from my home office desk, from the very beginning, to final closing signatures. We communicated by phone, text and e-mail. My loan originator was very supportive. The rates were the best. I recommend Ameri-Save to others.

I had dealt with another company, and felt they were being deceitful with me. However, it was quite the opposite with AmeriSave's Leo **, the rep I spoke with. He was polite with a friendly demeanor making me feel relaxed like I was talking with a friend on the telephone. We talked about this and that and before I knew it, he said we were done, that we finished all the questions; and, we would wait for the next step. I was pleased.

I just refinanced my loan that was previously with BOA and it was very hard to make a principal payment, I had to call them each time and do it over the phone... With Amerisave I can just log into my account and make a payment transaction. I have done this before even making my 1st loan payment. Bravo!!! Thanks for letting me use the online portal to transact business. I am very happy so far. Thank you.

I was able to refinance my home within 30 days from application to closing, saving more than 1% and cutting my mortgage loan from 30 years to 15 years. The AmeriSave application initiator and application processor were very professional and attentive, answering all my questions and keeping me informed of the application status.

These are great people to work with. I never felt pressured and they were always willing to answer any questions. They were prompt in getting back to me I needed anything. Thomas ** was patient and helpful with some computer downloading.

My wife and I just concluded our 1st refinance experience. Thankfully the Pros at Amerisave were patient and so very helpful. We don't believe we'll make a habit of this, but it's good to know that your reliable staff is ready to help if we need them.

I am very satisfied with the service I received. Very professional and honest. I would highly recommend your mortgage company to my friends or family. Thank you again. I was working with another mortgage company which tried to up my interest rate. Not happy with them, your company was great.

During the financing process always had the support of the Amerisave personnel. From start to finish, we were able to use Amerisave website to upload all documents required to process our loan. When having difficulties to achieve this task, I am not a geek, always got the necessary assistance. 5 stars to Amerisave.

I found the service and constant communications amazing. They use technology to help the customer without letting it get in the way, it actually works wonderfully and is easy to use! Our rep was very attentive and returned calls and emails within minutes! The whole team was very knowledgeable, friendly and helpful, while being efficient. The entire process for our refi was less than 30 and we got an amazing rate, savings more than $700 a month. I cannot say enough good things about their service and the end results!

We have moved around the country, and bought homes & refinanced at least 12 times. AmeriSave is by FAR the best we have used. At every step, they did what they said they would do, and they had the very best refi rates. Can you even imagine THAT! Good people!!!!

Good experience. On time tasks. Courteous agents. Hassle-free transactions. Very good rate in comparison with the other sources. Will surely recommend to my friends who want to refinance their houses.

This refinance couldn't have gone any easier. Everyone at Amerisave were so helpful and professional. Absolutely no problems. Amerisave got a rate my bank couldn't match. From the very first phone call everything went so well. Thanks again. I highly recommend.

I had a great experience with this company! Fast, no hassle and great communication!!! I would highly recommend this company!! Even when I thought I had the lowest interest rate, they informed me that the rate had just dropped and gave me the lower rate!!! Excellent!!!

For Refinance to 30 yr Fixed Conforming, Amerisave gave us a VERY HIGH RATE of 3.25%!!! Within 12 days after its COE, I was able to Refinance AGAIN, for 2.75% for the Same Type of Mortgage, from LOAN DEPOT!!! JUST SHOWS THAT AMERISAVE IS A RIP-OFF!!!

I filled out an application online after reading good reviews. Then as soon as I was done they connected me with an agent, Carlos, who was knowledgeable and efficient. He walked me through the process, explained the different rates available & made the whole process quick and painless. I digitally signed some documents on my phone. Then I had to upload about 7 documents of my own to the portal online, which was easier than I thought. They sent a notary out & the whole thing was completed in less than 2 months. I am relieved and happy.

Refinance. The loan agent Aaron ** was very professional and responsive to our needs. I would definitely recommend. The loan processor Was a nightmare. Repeated request for the same info already supplied (Nichole **). Used old payoffs, instead of ordering more up to date.

Outstanding and exemplary service from both Drew and Gary. Professional, patient, attentive and thorough. Both were responsive and I would highly recommend AmeriSave to friends and family based on my experience. As a matter of fact I Have already Recommended AmeriSave to friends.

Thanks! Great Service! Great People!! Excellent Experience! Professionals!! Kept us informed every step of the way and returned calls promptly when we had a question...very responsive! You saved us a lot of money with the new loan. Thanks again for working hard for us! We will definitely recommend you To Friends! Thanks Again!

Automatic Payment Program(APP). We filled out the APP application on 6/12/20 and faxed it on 6/12/20. The next response on 6/22/20 defined the first payment to be on 7/1/20 by check. Your APP drafting payments will begin on 8/6/20 and the 6th Sep., Oct., Nov., and Dec. in 2020.

Service was good. Terms and conditions of the loan were favorable and cash that was received at closing will help me with my finances. Loan application was easy to follow. I would recommend Amerisave to look to refinance. In the future, I look forward to refinancing.

Eric was our primary contact and he worked like a bulldog to get our business. Once we committed to AmeriSave he continued to work effectively and diligently to get our refinance package wrapped up as soon as possible. Indeed, we finalized things about three weeks ahead of schedule.

Working with Luis ** and Vincent ** was great, they were responsive to our needs and very professional every step of the way!. They return our tech and email questions within a couple hours and were in constant contact throughout the process. Thanks AmeriSave!!!!

Great people to work with. They were extremely informant. Answered all my questions. Would definitely recommend AmeriSave. Walked me through it. Made it easy. All the representatives or professionals and would call you back the time they gave us.

The process was made simple but knowledgeable staff, continual support and plenty of options to fit our needs. Although it ultimately took slightly longer than we would have hoped due to the current state of affairs, we were able to get an excellent rate and with great customer service.

I got a very good interest rate and the staff was very responsive and very professional. Their online platform made everything seamless and convenient to download and upload documents. I was kept informed at every stage of the process and everything was done from the comfort of my home.

At first, I was little hesitant to use a lender who was not local. However, my loan originator, Ali, assisted every step and answered every question I had. Overall, my experience was excellent and the process was easy and transparent. I recommend Amerisave to every.

Amerisave responded quickly to all requests, and gave accurate information. In light of the current situation, the closing was easy, and quick. Very happy with the service of everyone involved. Everyone kept us informed of the status of the loan, and what the timeline was to be.

I had excellent service with AmeriSave from my first phone call. The person I talked to was very knowledgeable and had good advice. The processing agent I worked with afterwards was very responsive and helpful but also friendly. I thought refinancing was going to be an ordeal. It was easier than my car loan and my Home Equity Loan. I bundled mortgage, HELOC and car together and I am now paying half of what I was paying. Amazing! I would work with AmeriSave again and recommend to others.

I went with AmeriSave because the reviews were really positive. I’m grateful that AmeriSave made the process easy too. They have good people and helpful technology that guides you each step of the way. And I got a better rate than I could find anywhere else.

They should do better job in taking care of home insurance payments on time, which is included in the escrow. I had to followup multiple times on this issue where they did not track and pay it and am still waiting for some action and accountability from their end.

Loan Originator Toren ** & Loan Processor Amanda ** were the best part of the process. Both took the time and effort to make sure we were well informed of entire process, specifically the mortgage processing, status, approval, and closing. I made their jobs easier by supporting them as needed to obtain documentation during the online process. The entire process was performed remotely and was Covid-19 friendly. The Notary Process was performed on our front porch and followed social distance and PPE guidelines. It was a pleasure working with such great people.

This was my third or fourth refi with Amerisave over the last 15 years. Their pricing, including points/credits, beat the competition by a wide margin. Process was simple and quick. Employees were Easy to reach and quick to respond by phone or email. All commitments made were fulfilled.

Overall I was mildly satisfied with Amerisave. It took over 2 months to start and close my refinance. In that time my buy down increased over $2500. They said they would adjust that to close what we talked about. They took $600 off. Overall it was still a good deal and worth it. The only reason that I gave a mildly satisfied review is because my loan originator was awesome. Very helpful, kept me informed and did what he could to try to get my rate close to what we talked about. And 2 the online process was great. The way upload, view, sign, submit documents couldn't have been easier. I wouldn't overly recommend Amerisave, but I also wouldn't tell you not to use Amerisave. I would just caution that it won't be quick!

I am a very busy businesswoman and Izumi just “ran with the ball” after securing my basic documents. For all practical purposes, he made this a “stress free” event. I would definitely recommend the AmeriSave experience to family, friends and colleagues. Thank you, Carol

Overall excellent experience. Have recommended several people to your company since we refinanced. Our officer was very professional and always kept me updated on the status of my loan. He was always available. I really enjoyed the whole experience. I cannot imagine it being easier anywhere.

Process was easy. Streamlined. People we dealt with throughout the process were awesome. All questions and concerns were dealt with in a professional and timely manner. From the initial contact all the way through the closing in our home we could not have asked for better service.

Checked in with me weekly to keep me informed during the entire process. Very easy to understand the entire process when conversing about interest rates and term length. I would definitely recommend them to friends and family. This was my 5th refinance in my life and the best experience I have ever had. They are both professional and polite.

I am happy with the resolution Angie provided. She explained the details and I found that the overall mortgage balance was correct.

Omah and Irwin were both extremely helpful with providing up to date information regarding my loan application. Their phone calls, emails and text were greatly appreciated, as well as their prompt replies to my concerns. Thanks again for your assistance.

Always a pain to go through all the paperwork with a refi, but Amerisave kept the pain to a minimum by having an intuitive online portal for everything. My only complaint would be the chatbots that kept texting me to address forms and issues that our representative knew we were working on. Other than that, it was a good experience.

I was very impressed with the level of service received by AmeriSave particularly given the extremely high demand for refinancing services at this time! The process was very transparent and there were no surprises or hidden fees! I would highly recommend.

Mark was courteous at all times. Got back as necessary. This was the second time we have done a refi with Mark specifically. Would ask for Mark again if we ever did another refi. Thank you for the service and chance to work with you.

Kyle is knowledgeable, friendly, caring and available. Made time for me while he was vacation. Got things done extremely quickly. Made the process easy to understand from a customer perspective! Overall 10/10 experience with Amerisave. They are lucky to have Kyle!

Except for the constant requests for "additional" documents by the underwriter and the lack of understanding of those documents by the underwriter, my experience with Brady ** and Ben ** was exceptional. They were both very professional and very helpful throughout the process.

William was amazing! It felt like he was helping me as a friend instead of just a customer. Communication was outstanding through the entire process. This was much smoother than a previous refinancing that I did. Highly recommend. Thank you William!

Hong my loan processor was so helpful to me day and night, she kept me up to date on all I needed to know, I'm glad I made the choice to AmeriSave, my loan was not even complete when I referred one of my friends to Hong because she was so helpful to me, that's the type of confidence I had in hong.

AmeriSave made our refinance quick and simple. Communication was very good, they made sure we understood all the paperwork. All of the staff had great attitudes and they were very kind. All in all we had a great experience, and we will be referring them to our friends and family.

We could not be more satisfied with our mortgage refinance with Amerisave. Great company with competent staff. We were assigned to Brandon ** as our loan officer. He guided us through each and every step. A very friendly and knowledgeable employee who treats you like family. We appreciate his willingness to help us and see the transaction through to close. Definitely asset to the Amerisave team. Thank you Brandon for your superb customer service.

I started a refinancing application with Amerisave on June 8 Everything went smooth and very fast Brian fain was on point and on top of every detail. He's very helpful and friendly and works fast I highly recommend him and amerisave base on my personal experience on refinancing my house. I closed on June 26 everything took 18 days. And I'm happy with a 2.75% interest rate fixed on a 30 year loan.

I had trouble with completing the process of refinancing with another lender, so I checked into Amerisave. They were very quick to approve my loan, and I closed in 17 days! I felt like a valued customer, and I was given courteous and helpful customer service throughout the process. I was very happy with my experience at Amerisave!!

My husband and I were looking at refinancing our home and just after a year of buying our home, Sean was able to get us an extraordinary interest rate and thousands of dollars savings in our monthly payments. His expertise and efficiency are a great asset to Amerisave and I would recommend his personalized customer service to all my friends and family. Thank you Sean!! You are awesome!

Best company to work with period. Great, fast, service. Knowledgeable staff. Easy to work with and best rates. Highly recommend considering any mortgage needs to be handled by AmeriSave Mortgage. Customer experience was exceptional! I will recommend friends and family.

Best real estate service ever with Amerisave. God bless Amerisave. The best service guaranteed. Excellent service. Best staff best system good working environment least stress and good piece of mind. Wonderful experience with excellent service. Good working prolong in the real estate.

Jeff was very helpful, knowledgeable, and responsive to my needs throughout my entire process. If I had a question, he would quickly answer it. If he did not know the answer, he would direct me to someone who could. I really enjoyed my process. It was an easy and quick process.

William's service and response was excellent. The representative who took over, however, did not meet up to my expectations nor to William's standards. Communication, a timely reply, and attention to detail are key in this industry. I may not be the only customer, although it would be nice to be treated that way.

The process was slow, that being said it was as quoted and went well... NO surprises here! Interest rate and closing cost were as quoted to me... I'm sure Covid-19 has had an effect on the speed with which the speed of the process.

Refinance. Rob is one of the best loan processors I have worked with and will absolutely be using him and AmeriSave for my future mortgage needs. He gives the best advice and always looking to make sure I get the best deal out there. Thank you Rob for another great experience!

Refinancing with AmeriSave. My wife and I are very happy with the service provided by AmeriSave. Everyone involved with the process was competent and very professional. No shortcuts taken and we ended up accomplishing our intended goal. No regrets whatsoever and a sincere thank you to everyone.

Had great experience with Amerisave and everything was a smooth transition all the way to closing. Blake and Shanel were great in making sure I have all the required items for my refinance and third party appointment with Notary as well.

Your support, particularly from Tylor **, was A+. My experience was as good as any mortgage company that I have interacted with in the past. One large reason I chose to stay with this company is Taylor and how she interacted professionally. I was considering other companies, but they were not as professional and lacked humility.

This was the greatest experience I have ever had! Amber was awesome! I would highly recommend Amerisave and Amber ** if you are looking for a mortgage or to refinance. They were quick to respond with any questions or concerns that I had.

They worked with me after normal business hours, they only go 4 stars because the cost of the loan kept going up every time I talk to them and there was nothing in writing until they wanted me to sign. It did go pretty smooth.

My experience with Amerisave; the reps and the closing agent were excellent. The numbers never changed and everyone answered all questions to my satisfaction. They did exactly what they promised. The whole process from initial contact to close was smooth and computer use when needed was easy and reliable..

Never thought I would be so happy with a mortgage lender, but Kristine, my loan processor and Michael, my loan rep really exceeded my expectations and worked hard to make my life easier! Definitely recommend giving them an opportunity to see what they can do for you.

Steve and Veronica took great care of us, going above and beyond to create a refinancing solution that would work for us. I'd definitely recommend to anyone to shop around for refinancing rates, fees, and terms, but we settled on Amerisave after doing our due diligence and couldn't be happier.

My transaction was smooth and quick. Everyone I worked with was very helpful and provided accurate information. The online tools were very easy to work with made uploading documents very easy. I liked the text notifications for items needed, it made it quick to upload the items needed.

My loan service representative was pleasant and patient. He walked me through all the options I wanted to discuss without shutting down the conversation to impose his preferred option on me. I would definitely recommend them to others. We were very happy with the refinance package.

The manager, Brent **, turned things around and made it a GREAT experience. There were certain disconnects that he ironed out and kept me as a customer. He is sharp, knows the business, and made things happen. When things stop making sense, ask for him.

We recommended Amerisave to all of our friends and relatives, in fact our daughter also refinanced her home with Roger the next day. Great experience. Will not hesitate to contact them in the future. I wish all companies were this easy to do business with. Jim & Mary

Whitney did a great job helping me through the refinance process. I appreciated the time she spent working through the details with me and answering all of my questions in a timely manner. Thank you for spending the time working through my questions and iterations.

This was my first time going through the loan process and was at first not looking forward to it.... This company made everything so quick and easy for me. I would recommend them to anyone whoever asks me about getting a loan in the future.

I wish I had read prior reviews on this site prior to engaging with AmeriSave. I thought they were a reputable company. Jason is the loan officer I spoke with when I called the 800 number and he sounded very professional and helpful. However that's where it ended. As with other reviewers, after I paid the $500 application fee it's been totally silent. He would not return my calls and I followed up with emails and finally copied their customer service department. His manager Frank did call me last week and said it was with an underwriter. To date still no response. I've dealt with many mortgage companies and brokers and I must say this one is the worst. I think this company makes their money on the $500 upfront fee they make everyone pay. Stay away! With so many dissatisfied customers, there must be something Consumer Affairs can do or some other regulatory agency. I'd be curious to see what other reviewers have done.

Initially, I spoke to Sarah A. She was very pleasant and understood what I desired to accomplish. What I wanted was a short-term, low interest, no cost re-fi. I have good credit and good income. I wasn't even certain if a company would want my business as my intentions are to pay off the balance in 2 to 2 1/2 years. I presented all of this information and Sarah understood. She said everything should be ready to fund in about 20 days and complete in 30. Sounded good to me. I sent all requested info immediately and waited for a response. No response so I tried to call. Sarah finally called after I sent email and said her phone wasn't working. Right! I waited until 3 weeks had passed and again began calling because the online information showed no processor had been assigned.

Please be wary of working with AmeriSave Mortgage. They tout how attentive and trustworthy they are, yet they don't return calls or emails, despite a guarantee they will and they lie about requirements.

If I could give them zero stars I would. They took my $500 and I sent in all the info they needed for my refinance. I was told all the info was received and they were awaiting underwriting. After more than 2 months of waiting for a reply my application was closed stating I didn’t send in the info requested. I was told already by my loan officer that everything was ready received. I complained. Nobody ever answers you from that company. I continued to call and email and no departments ever answer you. They are a fraud. Stay away!

$500 fee? I knew I should have gone with my gut. I talked with M** at Cardinal and he warned me. To you, sir, I should have listened. Not only did I buy the "you should float your rate" BS... I also understood the $500 to be credited back. Nope. 10k in fees on the day my loan was approved... vs 1266 the day I wanted to lock. Now they are trying to force me to fund? I'd rather eat my $500 and call the other guy back. If you want an honest review, Call Matt. If you just like throwing money away, call these people. Why is no stars not an option?!

I am still in the process of refinancing my home. I begin April 13th and it's now June 11th and it's not done. What happened? Day one Amerisave collected $500 for their application fee. A web page was set up for me to upload all my documentation. On the webpage there is an area that asks customers for any additional documentation that's needed throughout the process, but even as of today Amerisave did not ask for any additional documentation.

Horrible experience. My wife and I have high 700 credit scores, the loan to value on my loan was less than 50% and we are high earners. We gave all the required documents in 48 hours and despite all this it took almost 2 and a half months to close our loan. EVERY time they said they would call us back they didn't. 2 times the rep said he would call the next morning he didn't and when I reached out to him he was on vacation. After 2 months I was told we weren't even approved yet. Save your sanity and choose another lender.

Updated on 07/03/2020: Since my last post on 6/6/20, I’d hoped to receive a refund for my Application Fee from Amerisave. Since I have not, I will write another review, with a little more detailed information. On 4/10, I received a call from Hector **, after searching online refi quotes. He assured me Amerisave would get me a great rate and that the process would be fast and easy. So I paid for the App fee of $500 believing this mortgage company could refinance my home within a reasonable amount of time. For several weeks, he said the process was going fine. Then I eventually got no call back. When I emailed him, he would email the Processor to ask her the status, and never got back to me. The Processor, Amy ** told me she was either not at my file, away from her desk, in a meeting, or that my loan would close next week. This went on until I decided to cancel on 6/6/20, nine weeks after I initially spoke with Hector **.

I wish I saw the reviews about Amerisave here before I started a refinancing process. As other consumers stated, they don't communicate with consumers well once you pay a $500 non-refundable fee. It was my big mistake to pay the fee upfront as I believed what they said, e.g., a great rate. You won't be able to lock your RATE and FEES until your loan is approved which will take several weeks. So you would end up with a very high interest rate and fee at the end. I emailed the loan officer several times to get an update but no response. My loan application would be just one of the many so they didn't care because I already paid a $500! I was extremely frustrated by their poor communication and unprofessional business standards. Now I know that I am not alone!!! Be careful!

On April 1, 2020, I applied for a refi loan with Amerisave. My credit score is over 760. I was financing $150K on a $600K+ home. Unfortunately, my loan officer was RJ **. He told me that with so much equity, an appraisal was not required, which would save me hundreds. On April 17, my online account showed an appraisal was ordered. I emailed RJ ** and asked him to check on it. No response. Around April 26, I emailed him again, this time using the online form. I received an automated response that I would be contacted shortly. No response. A week later, I emailed him again. No response. I tried their online chat. No one ever came online. I called by phone, no response. Then my loan was terminated due to incomplete documentation. It turns out the appraiser had never appraised a home of my type, so he just refused to do an appraisal. Incompetence.

I was called by an Amerisave rep in response to a webform I filled out. The Amerisave rep talked at me, did not listen, and then hung up on me. It will be a cold day in hell before I choose to work with these people.

I'm not happy that I have to give them one star just to leave this review. I am LIVID about the lack of communication from my Loan Processor. We are in the midst of refinancing our home with Amerisave. We were initially quoted a little over $8600 in closing costs for our cash-out refi. The second disclosure package raised that to over $11,000 in closing costs. We've just received our third disclosure package. Now they want us to pay $12,508 just in closing costs and our "cash-out" is no longer enough to cover the expenses we wanted it for in the first place.

My credit score is 800+, and the fees and interest rate were worse than many other lenders. They have no plans on adhering to their promise of matching other lenders‘ prices. DO NOT under any circumstance give them $500 to lock the loan rate. DO check with your local institutions first. My bank was able to give me a loan with a slightly better rate AND almost $4k less in fees for my refinance. STAY AWAY from this company!

I unfortunately did not get much from just inquiring information. My husband and I were thinking about refinancing our home to get our interest rate lower and hopefully our monthly payment lowered. So yesterday, I went only just to chat and see my options. I get a representative online and the chat starts fine. Of course they wanted me to call but I informed them I could not talk at the moment and I am just shopping around to find the best options. After that the rep just did not seem interested in talking to me. I was also informed that my husband's credit score have to be at least 680 to do anything at all. Then I proceeded to ask about a few options and was ignored.

I started the process of refinancing my home with Amerisave on April 1st. I have wasted five weeks while going through a very cumbersome process. We were supposed to be less than one week from closing when I was informed that my trust documents were not exact. Keep in mind my trust is certified through a legal expert and documented at the courthouse. Amerisave wanted to do a quick claim deed to process the loan and they had already contacted my insurance company to be listed as the lien holder on my property. This is not the company you need to select and will charge you an upfront $500 application process fee that now they do not want to credit. Do not engage with this company.

This would be a ZERO star review had it been allowed on the website. I spoke with Ben **, a mortgage loan officer at AmeriSave. He is the most arrogant person that I spoke with. I told him that at he same interest rate of 2.375%, Better Mortgage has a Loan Origination charge of about $1K versus AmeriSave's Loan Origination of $6K. He then told me that comparing AmeriSave with Better Mortgage is like comparing apples to oranges, and that Better mortgage has bad customer service. He also mentioned that Better Mortgage has people that are like "working in their basements". When he bad-mouthed a competitor instead of offering a better deal, that should have been a sign for me to end the call.

I received a call from AmeriSave Mortgage Corp, they offered their services by helping me refinance my home. I was contacted by a Loan Originator by the name of Atif ** (NMLS ID #1168). I kept in contact with him about what needed to be done in order to have my property refinanced. At the same time I was browsing other lenders to see what would be the best deal for me. On one of my calls with Atif I notified him that my husband wanted to wait and see other lenders. He replied by telling me that I should just lock in the interest being offered to me with a deposit of $500.00. What he didn't say was that my deposit was Non Refundable. In the case that I would choose to go somewhere else they would KEEP MY MONEY!.

Applied for the refinance on February 27, 2020. In the beginning Mr. Robert **, the loan originator was good in taking the application, but later on he started changing his word about disclosures excluding escrow which I requested at the beginning. He changed the rates just for his mistakes but I compromised at that point. It took over 30 days after my application got approved by the underwriting and he was not paying any attention. When I urged for updates there came up the loan processor Leslie. She started asking for several documents again and again. Another 30 days gone and finally I came to know they declined for no reason I ever heard. It was my worst experience ever like a nightmare. They took over two precious months meanwhile I could have qualified for a lower APR. I never recommend this company.

I started the process of refinancing my home with Amerisave in February. Due to the coronavirus things like inspections and appraisals went rather slow but I had immediately signed a rate lock at 3.8% when we started the process. Finally we were going to Close the last week of April the day before I was supposed to pay my current mortgage which they had told me not to pay because they had included it in the payoff amount. After not hearing from them I decided I better call and see how things were going. All of a sudden there was a problem with my loan. My rate had jumped up to 4.375% which was the same rate I already had with my current mortgage. I'm glad I decided to call so I can cancel the whole process and just pay my mortgage on time instead of listening to them and not paying it at all this month.

Although Amerisave mortgage has a lot of good comments and treatment, there are a few of us that had not been treated properly and taken advantage of as far as keeping your upfront fee of $500, plus $500 for an appraisal. Most mortgage companies I've dealt with do not take an upfront fee to start a loan process and never refund it. They assist you with finding a loan you can afford and qualify for. Even if you wanted to borrow $100K, if they see your income is not sufficient enough to afford it, work with the customer so every customer is qualified and happy.

There is nothing wrong of selling mortgage but to take the credit report of anyone who is just shopping for mortgage or trying to find your interest-rate should not be necessary or even legal. The customer should first know your interest rate (Ok, list it for each credit score) and closing fees before you even start selling anything. Taking a credit report and costing the customer a few points on his/her credit score should not be legal. Folks: do not apply to any company who do not spell their interest rate right on the front page. After their deceptive way of taking my credit report (and consequently reducing my credit score), I was told that they do not finance people with more than 3 properties! I have not even came to know their interest rate!

I went through Lending Tree which I thought was a reputable way to find a home refinance, they had suggested Amerisave so I spoke to Rick ** from Amerisave on 3/28/2020. They require a $500 application fee, once they charged my card, I have not heard from them since. I'm appalled and do not know what to do since they have all of my personal and financial information. I want to cancel and receive a refund, I do not know if I can find another loan officer and proceed with a refi with this hanging over me. NEVER go with them. They are frauduant and a SCAM! Amerisave address shows a Georgia address.

AmeriSave Mortgage has offered very competitive rates. They are efficient and their agent was very upfront on the costs and benefits of each option of our home refinance. The total transaction was completed in 16 days. The speed of this transaction was based on the fast response of the client and the ability to scan and transmit accurate documentation. Current loan processing times may be impacted by the current glut of applications. We highly recommend this company.

Don't waste your time with this company... They give you informal quote too good to be true and once they have your information they will increase costs within 10 minutes of giving you the initial estimate. Very unethical and cheater.

Refi-with Cash out. From the moment I talked to Andrew I knew he was honest, personable, and caring. He wanted the best for my family. He only wanted to provide his service if he knew it was best for me and my family. The whole process to close was less than two weeks. My family and I was able to consolidate a personal loan and roll that into our existing mortgage. The whole process was excellent. I am recommending AmeriSave to anyone I know. Andrew ** was the Loan Officer that helped guide me into the best position. Stephen, the Loan Processor was amazing. The whole process made me feel at ease. Well done, Amerisave! My family and I now have a higher quality of life because we were able to save hundreds of dollars a month. In addition, saving thousands of dollars on our new 2.5% 15 year fixed loan!

I will say this. At first your loan officer will be responsive, then once you pay that $500 non refundable fee. You will never speak to them again. Unless it's time to tell you very rudely, they can not do the loan. Do not waste your time. Use a company that will process your loan and not leave it up to you to figure out. And if you get Paul ** run.

My agent was Charles **. He was very though during the whole process. Very detailed oriented and easy to talk to. Every time I had something new to look at or he needed signed, Charles was on the phone to make sure I was aware and took care of it. I would recommend Charles and AmeriSave Mortgage to anyone. Great company and great employees. Thank you, Steven

My personal experience with AmeriSave Mortgage Corporation has been one of a host of broken promises, pressure tactics (that compel a refinance without time to consider it) and a credit card locked with $425.00 in fees I hadn't approved. I was promised I wouldn't be charged an appraisal fee for this mortgage refinance if I gave my credit card information until I myself set an exact date, and gave permission for an appraisal. The lure is a rate offer the employee said he can get from his boss, and lock you into if you give your credit card information as a sign of sincerity. Upon being promised I controlled when I would be charged, I was pressured into giving my credit card information in order to lock in on a promised rate.

Everything looks good when they try to get you to re-finance, then once you agree, no one is available to answer questions, they charge large amount of money to receive-finance, they don’t give you options to choose from, their website is very confusing, and after closing you are history to them.

I made it very clear in the beginning of the process, I asked the question, "Would I miss two mortgage payments". I was assured this was the case. When the document came to be signed this promise was broken, I was only able to miss one mortgage payment. It was explained after the fact, I was not supposed to make my mortgage payment on the 1st of the month, even though the loan closed on 2/21/2020, which means I would have been late on my mortgage payment. I explained to the loan officer in the very beginning how important this was to me and my wife. I will never again do business with a company who does not keep their promise, I will look for companies who have integrity.

My experience with Jacob B, loan officer for AmeriSave Mortgage Corporation was extremely disappointing. He is a fast talker and managed to get me to provide my credit card ($520) to lock in an interest rate. His closing estimates were far higher than the other two loan officers (different companies) I was talking with. The other loan officers changed 0.5% and 0.153% compared to Jacob's 2.081% points. The other loan officers did not require $520 to lock in a rate. Jacob's closing cost was $21,575 compared to the closing cost I went with $11,568. My experience with AmeriSave cost me $520 for a ridiculous loan closing estimate. I sent a text the AmeriSave customer satisfaction office requesting they credit my $520 back. However, I have not heard a word from them. No surprise. A bad experience, bad loan officer and costly estimate!! Be very careful descaling with this corporation.

After 4 other Lenders, I chose AmeriSave!! I like how personable and helpful everyone has been so far. It's a daunting experience for anyone to refinance or even get a new mortgage, and I find that my Loan Originator Kameron ** and the Loan Processor Shirvica ** are very patient and understanding and very helpful in explaining everything to me. They are very thorough and it helps me to feel confident with my choice. I am very happy I chose AmeriSave for my Refinance. You make it less tedious for the client. Thank you for the wonderful service. I like the transparency. Very refreshing to do business with them both.

Everyone I dealt with at Amerisave made my loan refinance experience simple and easy from start to finish. I would like to cite Greg **, my loan originator, for his expertise in securing me the best rate possible, working with me step by step during the application process, and I would also like to cite Lindsay **, my loan processor as well for her expertise in completing the necessary processing steps. I will recommend Amerisave to anyone who needs a loan refinance or a new mortgage. Well done Amerisave!

First, let me say that talking to a human at Amerisave never happened. Despite providing me a phone number for my refinance process, the loan officer Mr. ** never answered his phone and never returned my calls. So what is crazy? They charge a non-refundable $500 if you don't complete a loan with them. Then they use a shoddy appraiser who comes in well below the home value so that you won't want to do the loan. Originally we signed up for a loan and expected an appraisal at $450,000 - $460,000. The home is easily worth that. Another recent appraisal by our current lender placed the home at $454,000. But Amerisave wouldn't use that. Knowing our home was in that neighborhood, we applied.

Our loan originator, King ** was very good to work with, kind, courteous, knowledgeable and always got back to us right away with any questions or concerns that we had. Our loan processor was Erin **. She is definitely outstanding at her job, our closing only took a few days and went very smoothly. Erin was also very good to work with, kind, courteous and very efficient. Thank you to both of you for your wonderful service and getting our VA Loan for us.

I, with 3x 800 FICO and solid income history, applied for a refi on a legal and established 3-family property; Agent (Trevor) had all the details, rental leases & proof of receipts, 100% documentation entered in their system, and all verified. Loan was denied in the last stretch because the appraisal "was on the wrong form" - which appraisal nevertheless came in at the expected value and placed me with 30% equity. Out $470 of appraisal fee for squat, on account of their error which they refused to remedy. Of course they encouraged me to re-apply and fork over YET ANOTHER APPRAISAL FEE???? Thank you ever so much but no, once burnt, lesson learnt. So the takeaway is this: Given that Amerisave blew it on as clean a client as myself, carefully consider taking such a risk with them, and please note of their rapidly deteriorating reviews through the past year (sort by "Recent")....

I saw on the website an ad, about lowering your mortgage payment. Stupid me, I clicked on it. Next thing I knew, my phone was ringing. Rodney **, from Amerisave Mortgage called. He does not give you a chance! I already have an investor to buy my business home. I already knew my credit score, all I needed was a round about figure, if I did not sell, what I could pay for a refinance. He was a tick on a dog! Aggressive! Couldn't listen. All he wanted was push push. Get his quota for the day. I hung up when he asked me for my social. Guess what? I found out later, that he did what they call a Soft Pull. Outrageous! HOw did he do it without my Social? I got my Credit score thru the mail, without my Consent!

I applied for a loan and was treated well. But that's where the good service ended. They had put the wrong city in the application so the appraisal service did not cover my area. I got that straightened out and go a call from the appraiser in my town. She made an appointment with her having to take time off to meet her because her daughter was having a school program on the day I had free. That's the last time I heard from her! No return phone calls. Then I noticed that they canceled by loan, I guess because it was taking so long. I contacted them and Atif ** Loan Originator NMLS ID #** told me that they had tried to contact me. Funny I had no email messages or phone messages from them. I think that he's trying to cover his butt for screwing this up. At any rate I have now lost the $400.50 dollars I paid them for no assessment plus the few point hit on my credit. Don't waste your time with them.

Our loan originator - Nabeel ** - well-represents AmeriSave. From our first phone conversation - observed him to be quite knowledgeable - professional and pleasant. He remained in contact throughout the refi process. We are pleased not only with his high-level of customer service - but the overall experience with AmeriSave. Thanks!

Updated on 01/08/2020: After a careful review of AmeriSave contract to refinance I noticed that the refinance amount was for $304,000 and my current principal on the property was only $274,912. A difference of $30,000. This is no way a good deal to refinance for only a monthly savings of around $200 per month when paying $30,000 more! This to me seems like a scam altogether. First I was promised no more PMI which never happened! Then I was charged $500 for a bogus appraisal and all the unnecessary document requests that took over 4 months to get to this point. Stay away from AmeriSave! There are over 70 complaints in reference to the same complaint that I'm filing. Please advise if there will be an class action lawsuits. Mark **

I Applied online and they pulled my credit, though I had been approved by another Bank I just needed a second opinion. I emailed some of my documents to Nicole in Georgia who advised she would review and get back to me within 24 hrs, 4 days passed and she was not returning call, I thus contacted customer satisfaction who advised Nicole's manager would be reaching out to me that afternoon- well that is 3 days ago.

Nothing but delays and poor communication. Started loan process on 10/1. Sent them EVERYTHING they needed on 10/3. Since then, have been asked for same information on multiple occasions. On 10/3, executed Title Company release. Crickets since then. TODAY (10/30) then send a new Title Company release for a different company. 27 days lost. Not OUR job to monitor their poorly performing Title Company. You would think the Loan Officer would be doing something for their commission. Would not recommend them to anyone.

I agreed to pay the 500.00 application fee based on the rate I was offered and signed to. I get an appraisal and the appraisal company low balled my home and it came in over 25k less. They wanted to offer me a much higher rate, and I declined. I asked, why don’t you collect the application fee after the appraisal? They could not answer. Horrible experience, waste of time.

I was recommended your Company by my Brother who is a Regional Manager for Accounts for a major auto company. He values best prices, professionalism, and efficiency at getting the task done. I am extremely happy with the rate I got, and even when I shopped around a few times over the lock in period, I never saw a better rate. The profesionalism and listening skills of my Loan Originator and Processor were 100%! My Processor got me to close on time, even though time was running out due to me being slow getting some forms and changing last minute some parts of my application.

Just like many others, I applied for a re-fi on my home. In good faith, after discussing the terms with Julio **, I handed over $500 that was to be including in the loan when the loan went thru. After being rushed to lock a rate, after getting an appraisal on the WRONG house, not even in the same state, after NEVER hearing from him once he had my money, after being approved, after refusing to contact the title company that I chose as stated in the contract, after 2 closings came and went, after MULTIPLE unanswered phone calls and emails, after the original terms were changed to such a ridiculous amount of fees that I could NEVER afford nor agree to, after asking me to look at the appraisal I had looked at 3 times already, after asking for the survey that was already in his hands, after 3 MONTHS went by, I filed a report to have my $500 returned.

I worked directly with Russell ** and Matthew **. I am extremely pleased that these 2 gentleman were there to help me. One of the first things I noticed is their ability to listen. There was no doubt in my mind I was eligible for refinance at a lower interest rate and that my equity would provide both some account payoffs and offer some cash to get some much needed jobs done around my house. Other financiers gave me a runaround and could not do for me what these 2 guys did and I'm convinced had they listened I might have ended up elsewhere but I am glad I didn't. These 2 guys were very patient with my questions and offered a personal side that made me feel like they could both be trusted and have a burger with! Great guys, great business! Thank you!

I have a number of issues with AmeriSave that culminated in me canceling my entire application. When I first started the loan process, I spoke with a loan officer who started an application with an old address which I had sold a month prior. When I realized he might be using an old address, he transferred me to another loan officer who can originate loans in my new state. This loan officer was rude, inattentive, pushed his personal agenda, didn't address my questions, and ultimately refused to take any responsibility when I attempted to address some of my concerns with him, and told me "that's your opinion". I requested a new loan officer, and my big complaint was a lack of follow through. I needed to close in 30 days on a cash out refinance, and just got strung along, reassured it would not be a problem.

Brad ** messaged me thanking me for wasting his time after learning I decided to go with a different mortgage lender. Although I did not go with Amerisave in the end I was incredibly disappointed and would never recommend Amerisave to anyone after receiving such a rude message from Brad **. Very unprofessional.

We made a decision to refinance our home with AmeriSave and signed the papers to begin the process. Within less than 5 minutes of signing, we decided that we had made a mistake due to the high costs of closing the deal. We called immediately to try to cancel our application. They said that was not possible. They kept our $500.00 deposit and we got NOTHING for that. I would have been happy to pay the deposit had we decided to cancel the process days or weeks into the refinance. This was less than 5 minutes. A decent company would have offered a refund or at least a partial refund. We worked with a different company. It was still worth the cancellation since we saved several thousand dollars in closing costs by working with a different company.

I applied for a mortgage refinance through Wells Fargo a couple days ago. This company called 8 times today on my home phone number which is unlisted. I'd love to know how this company got my information.

Alberto ** with AmeriSave was very professional and helpful the whole time. I dealt with him and I would highly recommend him if you are considering a home loan or refinance. He can be contacted at **.

I was assured by Antonio that the buyer was fully qualified to make this purchase. I'm a Realtor and have the responsibility to help the seller make informed decisions. After several unanswered voicemails and emails and 23 days in process? The loan was declined. The reason provided was debt to income. That information should have been scrutinized from the beginning. Of course I'm upset that the loan didn't materialize and the buyer paid for inspections and appraisal but the worst was the lack of communication. No phone calls or emails were ever returned after the loan was in progress.

Ripoff/robbery! This company took my $500.00 for an appraisal and said I qualified for a refinance loan. A month later the underwriter said I did not qualify for the loan and the agent I was working with will not respond to phone calls or emails. Even his boss will not respond to emails. I am filing every complaint I can against this company and understand this has happened to 71+ people. Shame on AmeriSave!

I thought it was against the law to lie to the consumer so I have no idea how AmeriSave gets away with doing it. I wanted to file a complaint against them with the BBB and then noticed they already have 71 complaints. How can they still be operable. That's my question. Paul ** lied to me several times. He told me that I would receive the $470 appraisal cost returned to my credit card. I called before signing to verify this information and once again he assured me the money would be returned. He also told me that he overpaid my payoff by over 2,000 so that after I close that money would also come back. My previous mortgage company informed me that he had the correct amount all along. The figures kept changing almost daily before the final signing and in the end, I was duped. Beware of doing any business with this company.

The origination of my refi was easy but from there on it was difficult. It took 3 months to get done and by no fault of my own. Credit was good, got everything to them within 48 hours. They forgot to do the electric application with the VA and I had to tell them after following up with the VA about the hold up, then AmeriSave cleared me while I waited for a name change on the COE. During the last review AmeriSave decided they wanted an invoice to fix the walls of one of my 3 showers. Got them invoice in a day, then they decided they wanted it fixed or wanted the appraiser to change the appraisal.

I dealt with an agent named Robert ** who felt certain I would qualify for a refinance... Not taking any money out, just wanted lower rate. He immediately requested $500.00 to which I said, "Ok. If you cannot get me refinanced I will get my money back, right!" Robert said, "yes," and we should have no problems; this was around May 2, 2019 and now in July they notified me that they could not do the refinance for me. I have been asking Robert for the refund for several weeks now with no response? AmeriSave, you need to train your agents to qualify people before taking the money, if I have $500.00 to throw around it would be for one of the many missionaries I know and support. Thank you for responding.

I heard from the Rep multiple times a day when we were in the process of getting the loan. We have tried email, phone call to rep and phone call to company. We were told we would have funds by June 28th. As soon as they received payment communication stopped. Horrible customer service.

For the past few days, AmeriSave has been calling my office line at least 5 times a day. It's an automated recording that then connects you to a person if you stay on the line. The recording advises you to press 7 to unsubscribe, but doing so does nothing. Tried explaining to the rep that they are calling a business, she promptly hung up on me. A few hours later, they are calling again from a different number so you can't block their calls altogether. Horrible way to do business, I would never do business with a company who uses telemarketer and scam tactics to get you on the phone, and refuses to take you off their call list.

Initially service was great. Originator, Jordan ** was amazing and patient while I completed application. I was on the road between states. However, they have had application for six weeks with closing schedule for 6/28/19. I had to ask them on Monday for status and was told the Friday date was doubtful. Most closing are a game of dominoes - sell in the morning and buy in the afternoon. And this process dominoes for many transactions. People selling and people buying all hinging on one closing fouling it up for everyone. How discourteous not to give people a reasonable heads up that they aren't going to finish the process. I am disgusted.

We went to AmeriSave due to their aggressive rates. What we experienced was one of the worst service experiences in our lives. Our processor Clayton ** was rude, had terrible communication skills, refused to answer questions, and rushed us to the point that our lives and jobs were disrupted. AmeriSave charges a $500 application fee that made it tough to walk away but we did so the day the CD was released. That money is gone and that hurts, but it was worth it knowing another lender would provide better service.

Do not use this company to refi. Another company pulled my credit and they pounced. Called me within seconds. Engaged with a loan officer and was lulled into completing an application and paid what he claimed was a refundable $500. After my wife and I decided it was not the right time they refused to refund the fee. This is after I was a loyal customer using them 3 times in last 6 years.. This is the way they reward loyalty.. No integrity. They don’t deserve your business.

We were supposedly pre approved on April 14th, I handed in paperwork for over a month and a half, they needed copies of bank accounts, birth certificates, many personal items. I started to get nervous giving such personal information out, but, he assured this was needed for our refi. I had been working with a loan specialist to refinance our existing home and consolidate our debt into one payment. Joshua ** seemed well informed. He ordered an appraisal at a cost of 650.00. Our house appraised at 50,000 more than what our mortgage loan was to be. It was a "sure" thing that this was going to happen. I downloaded the appraisal and saw that the appraisal company charged a fee of 550.00, I asked where the other 100. went, he danced around the question and never answered it.

What I appreciate about AmeriSave and what sets it apart from all the other lenders was the cost of refinancing as by far, it was the only lender that was able to accommodate my 1st and 2nd mortgages when all the other lenders have told me I didn't have enough equity in my home to cover both. I believe it's because the other lenders have their fees too high. So, thank you AmeriSave for giving me relief from financial burden and much thanks to Aaron ** and Evan ** who worked diligently and were there every step of the way for me. I'm most grateful.

I'm a busy professional. I submitted one online query a day and a half ago. In the interim, AmeriSave has called me roughly FIFTEEN TIMES. Leave a message, maybe call once per day. That's it. I finally picked up and snapped at the caller, demanding to be taken off their list. They're STILL calling me at least once per day. This is a garbage way to do business, and I will never work with them because of it.

I have purchased several homes as an investor in the last 5 years. Occasionally I will use a mortgage company to finance. Amerisave was the worst experience I have ever has with any financial institution. They were rude, unprofessional, and borderline corrupt. I would NEVER use them again in a million years.

I was working with an AmeriSave loan officer on the mortgage loan. The loan processor told me that I had to move into my new construction home with furniture in order to do a loan with them. If not, I could not do a mortgage loan with them. I told loan officer that loan processor told me that I need to move my furniture into home. The loan officer said loan processor was wrong. Loan officer told me to trust him. So I let it go for several weeks then I got another call from AmeriSave loan processor saying that I need to get furniture in my newly built home again. This stressed me out because the builder told me that he is ready to close on the house. I get this news that the loan officer and loan processor can't get their story straight for a second time.

A very patient and helpful company. Great customer service and easy to work with. They made my refinance easier for me (recently widowed) to work through a process I had never done without my spouse. I am more than satisfied.

A man from AmeriSave phoned me and hung up when I asked who they were. I called and asked them to take me off the calling list; it is the law to do so when asked. The person on the phone kept talking and harassing. I heard others in the background laughing. That is harassment. They are not training their people properly. I would never do business with a company like that.

Matt ** was great. He walked us through each step of the process. He was honest and always kept us in the loop. Unfortunately we could not get the loan but that was out of his control. I would recommend him as your loan processor.

This company will harass the heck out of you to get your business. I asked them politely to stop calling me. The calls persisted. In fact, they have not ended. I've received more than a dozen in the last half hour. They use local numbers which they use are all disconnected numbers not in service. That will tell you immediately they are not a legitimate business. You have no idea where they really are and that means they have the advantage over you. They are not to be trusted. Use your local credit union for the best rates.

I went online on Quicken Loans to see if there was a better rate out there to refinance my home with. AmeriSave came in with a reasonable rate and offered an "easy" application. They immediately SOLD me an appraisal--I should have been suspect. A few days later, I received an email asking me for about 40 documents from tax records to insurance statements, even though I gave the names of groups to contact (CPA firm, my bank of 30+ years, tax record releases, insurance company contact, etc.) -- meaning they did about NOTHING to verify ANYTHING themselves.

Will never use AmeriSave. It's a ripoff, once they get your money everything changes. Save yourself lots of time and money. Do not use. They will ask for things you can not obtain and cancel the loan. This is the worst mortgage company I have ever deal with.

I was turned down twice by two loan companies. I was really angry about spending money on appraisal then those companies found some ridiculous reasons to reject my loan application. I was about to give up on getting a loan, but thankfully I contacted AmeriSave. Their representatives worked to get me approved. Not only was I approved, but my rate was lower than the other two companies who rejected my application. I am grateful for the professional staff, who offered great, friendly customer service. I have no complaints. Thanks to Kelly, and James especially for keeping your promise to help.