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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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    Our review standards

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    Page 27 Reviews 3675 - 3825
    Customer ServiceStaffLoan Process

    Reviewed Sept. 24, 2018

    The agents are always on top of things and if I ever have any questions, they have been there to answer them immediately. I love the process and how smooth it goes. Mortgages can be a scary and tricky thing, but these guys have made it fun and exciting somehow. Good job AmeriSave and especially Rob ** and Rob **.

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    Customer ServiceStaffLoan Process

    Reviewed Sept. 24, 2018

    I was buying a house and the original guy from AmeriSave that I talked to didn’t sound swarmy and he was a really nice guy. The application process was a little rigorous and it took about a month with the underwriting. The AmeriSave reps were on top of things and would call me. They also let me know if I needed something to make sure the process didn’t get delayed and were able to address our questions and concerns. However, there were a bunch of things that they needed on their end like they wanted an address for an oil well. But oil wells don’t have addresses. That wasn’t sufficient because they had to get that in writing. We also had a little snafu at the end that almost delayed the entire process and delayed the person I bought the house from. It only ended up being delayed for two hours, but it was a fairly big oversight and caused me an enormous amount of stress. The snafu was due to people that I did not talk to and it was on another end. But the people that I talked to from AmeriSave were great.

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    Customer ServiceStaffLoan Process

    Reviewed Sept. 24, 2018

    I needed to consolidate debt so I looked into a mortgage and I liked AmeriSave’s approach on the phone. The process took less than four weeks when I got the regular 30-year loan. I’ve done it before and the experience was great. There was a lot of self-service using the internet and the guys were professional. Overall, it was just really pleasant and people should consider AmeriSave.

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    Loan ProcessRates

    Reviewed Sept. 24, 2018

    I wanted to do a refi and take some money out and AmeriSave Mortgage was the first company that was accommodating to my needs. The whole application and underwriting process took three weeks and it was really easy. AmeriSave did everything for me. I provided them the information and documents and uploading those was simple and very easy. Also, everybody that I worked with was easy to work with. I started the process with somebody else and we stopped and then I switched. Then, considering that the rates are going up right now, the rates that I got are reasonable. AmeriSave also subordinated my home equity loan, which was something I couldn't get someone else to do. Working with AmeriSave has enabled me to take out money and consolidate some debts. I have more free money to do projects around the house now. We would have no problem using AmeriSave again.

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    Verified purchase
    StaffLoan ProcessTransparency

    Reviewed Sept. 23, 2018

    AmeriSave came up when I was looking for loan originators, and I felt that they were knowledgeable. Also, the company had really good ratings. I then worked with JP for an FHA loan and then a mortgage refinance. Obtaining the mortgage was easy. They walked me through the steps and they were in constant contact, giving me the status. They told me what I needed. Erin was very knowledgeable in terms of her relationship with the underwriters and what the underwriters would require, the paperwork involved, and they were extremely patient. The process took about a month, or less, and the rate I got was pretty good. I would definitely recommend them.

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    Customer ServiceStaffLoan Process

    Reviewed Sept. 23, 2018

    I had a home equity and line of credit without a fixed rate. I wanted to clean it all up, so I just put them both together just to make it easy and I don’t to have worry about an un-fixed rate. I went online and and AmeriSave looked good and they were the first to call me. Their process was definitely a breeze. I would recommend it to anyone. The rep called me and kept me in the loop the whole time. They came to the house and closed everything in person within a month. It was easy and I would do it again.

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    Verified purchase
    Online & AppStaffLoan ProcessRates

    Reviewed Sept. 23, 2018

    I wanted to refinance the house and AmeriSave seemed to have a good program. They were also responsive once I got to talk to some people, so I went ahead and did business with them. I got a 30-year fixed-rate conventional mortgage. I've done it before, so the process was easy. Everything was online and I could upload the documents and always have a status update during the day or at least the next step where my application stood. AmeriSave's reps were very helpful, and Aaron, the processing team lead, did a fantastic job. John, the senior loan originator, was great as well. I talked to him either through phone or chat. He was very responsive to different scenarios and programs. There was a basic amount of questions and then I was handed off to their application processing folks. That gentleman was very top of things and he gave me some options when things were not right on the website. So, the team worked great.

    Every program was slightly different and I had a different reason for refinancing. The percentage difference and the rates weren’t gonna make that much difference in the loan. I just didn’t wanna pay out-of-pocket and AmeriSave's rates were competitive and were fine. The whole process took a couple of weeks partly because we ended up changing it from a 20 to 30-year mortgage, so they had to review some things. But once we got the application finalized, it didn’t take long at all and things were moving forward again. AmeriSave has a great service, just like in the past. They were very professional and they were flexible when I needed them to be. Plus, they were extremely responsive even once the loan was placed. They told me that I was going to receive funds in the mail and they gave me a status of when that was mailed out.

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    Customer ServiceOnline & AppStaffLoan Process

    Reviewed Sept. 22, 2018

    We needed to fund a home purchase and we got a 30-year conventional loan with AmeriSave Mortgage. At the time, they appeared to be a decent company. You gotta be financially able to have a mortgage, have funds, have a decent credit score, and provide all the documentation necessary in order to back those findings. The whole application and underwriting process took about 20-some odd days. The online application was expedited, but it could use a lot of work as far as being notified when something is due or when something is not due. The only communication is online instead of with a person and I think that hurts the business of AmeriSave. The initial person that we spoke to when we were getting started was very professional and very helpful. She handled her business and took care of everything.

    However, it was kind of discerning when you switch to another person throughout the loan process. That person doesn’t have a relationship or rapport built with you and sometimes, those people kinda hurt the business of AmeriSave because they haven’t built that rapport. They’re starting from step eight instead of getting to know the person that they’re dealing with, and I don’t think that it is beneficial. Also, another thing with the online process is my loan was turned over to Wells Fargo four days ago, but no one notified me.

    This again would speak of someone being professional enough to call you and have that courtesy to notify you. I just happened to log into my online account to pay my house loan early and realized that it had been turned over, not to anyone with AmeriSave, but to a whole different company. There was no forewarning about that. It just happened and had I not been on my due diligence, I wouldn’t have known and would have mailed a check or paid the wrong person. My experience with AmeriSave was horrible and I wouldn’t recommend AmeriSave to anyone ever again including myself, except for the relationship and the professionalism of Jordan, the loan consultant. It has been very disheartening and I have nothing great to say about AmeriSave.

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    Online & AppStaffLoan ProcessRatesTransparency

    Reviewed Sept. 22, 2018

    I had been with LendingTree many years ago, and I felt really comfortable with them. And since AmeriSave is linked with LendingTree, I felt comfortable with them also. I hated to refinance my home as the first rep talked to me, I was impressed with his time, courtesy and patience. He quickly explained to me about something that I didn't understand and was uncomfortable with.

    The application process was easy which, along with the underwriting process, took about three weeks. However, the interest rate was high and was not good. I was at 4.75 and it was 4.85 so it was a bit discouraging. And then, I realized that the way that I could get the mortgage down was to stretch the terms out. At first, I had it financed down to 20 years but I ended up with 30 years.

    Then, the lawyer that came told me a lot of the nuggets. I knew I could always pay on the principal but I never did it. So he showed me where I could send some money for the principal’s when I pay the monthly rate which could bring the principal back down and make me feel a bit more comfortable. Overall, AmeriSave is very professional and patient. They know the business and they are there to help.

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    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 22, 2018

    We were moving to a new house and AmeriSave gave us good rates for a mortgage. They had a good process where the application and the underwriting took three weeks. Our loan officer did a good job and I liked that he did it quick. I was also happy with the rates and terms of our mortgage.

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    Punctuality & SpeedOnline & AppStaffLoan Process

    Reviewed Sept. 22, 2018

    I had a first and second mortgage, and my second one was a home equity line, so I was gonna combine those and refinance. I talked to three or four different companies and Amerisave was the one I wanted to deal with. I liked what they had to offer so I stuck with them. The application was not too bad and we did it all online because there was no local office. They emailed it to us then, we signed everything and sent it back. It took five days and it wasn’t as good or easy as sitting there and writing it down but it wasn’t too much trouble. Everything came to the house and it worked out fine.

    Joe, the rep, was honest and told me he has not been doing it long but the way that he carried himself and used his words made me feel comfortable in doing business with him. I was satisfied with the rate that I got and we locked in quickly. I got the amount I wanted for the number of years. It was great. The experience was smooth and the people that I worked with were very knowledgeable in their jobs, and it made it so much easier for me to do what I had to do.

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    StaffLoan Process

    Reviewed Sept. 21, 2018

    I would like to compliment AmeriSave for their support throughout my Home Loan Process. The caliber of Ben and Chris was second to none. Top Notch all the way through the Loan Process. Professional, Friendly and always were available to me for maneuvering through the Loan Process! I take my Hat Off to AmeriSave and Ben and Chris for a job well done! Thanks to the AmeriSave Team.

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    Verified purchase
    Online & AppStaffLoan ProcessRates

    Reviewed Sept. 21, 2018

    I did a lending application for a new home and AmeriSave was the first one to contact me. I also liked the guy that I talked to and the online application process was easy. However, the application and underwriting took about 7 weeks. With some of the new laws, we had some issues getting our loan. There were some issues with underwriting because mine wasn't the cleanest in the world. There was also a little bit of disconnect between underwriting and the loan officers that I visit and spent my time talking to. It seemed the loan officers were held hostage by the underwriters at times, but they did a good job.

    My lending agent, Allan, really kept the underwriters on top of things and worked hard to get me my loan. I changed jobs and I'm a school teacher so I moved to a new city, and he understood the fact that sometimes one takes a job that doesn't get paid as much. My salary decreased and that was part of the issue with getting the new loan. Other than that, the rate and the terms of the mortgage were fine.

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    Verified purchase
    Punctuality & SpeedOnline & AppStaffLoan ProcessRatesTransparency

    Reviewed Sept. 21, 2018

    We were looking at interest rates potentially going up and figured it was a good time to consolidate debt. There was also something going on with my work. We went online to see the different mortgages and compare them against each other as far as what the cost was on the mortgage and the upfront cost. We did a refi with AmeriSave Mortgage. The application process was easy overall, and the notary came out after a few days to sign documents.

    AmeriSave's rate was competitive against everybody else. It saved us some money over what Quicken Loans was trying to put together for us. I also didn't like the way they were doing business. Being able to refinance made the monthlies a little bit easier to manage. It was something that we wanted to do and AmeriSave was able to get it done for us in a timely and professional manner. And it seemed transparent, so I was appreciative of that. AmeriSave worked out good for us. I'd recommend taking a look at what they have to offer compared to Quicken Loans.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 21, 2018

    We started a loan process with another firm and quickly, our cost and the terms were changing after we have had the appraisal, started the process and committed. I sent them everything that they needed, but still, everything was in flux, the numbers were changing and nothing was locked. I didn’t have a good feeling with that firm. We went to LendingTree and I started to shop again. And then I got Lori from Amerisave Mortgage on the phone on a Sunday and she talked me through everything. She quoted me some rates and ultimately, I had a good feeling about her, then we ended up restarting that whole process with her. She helped us get something that we felt more comfortable with. It was less than 30 days that I wanted to close, AmeriSave got right on it and they helped me close on time.

    My husband and I just made our first mortgage payment this month. We looked at the statement and the allocation of funds and we noticed that very little was going to the mortgage and four times as much as we are paying in interest was paid on our principal. We were not that thrilled about that so we had a conversation about paying more the principal and trying to refinance that loan in the next year or two. But Lori and Niki, the woman who took in all the documents and facilitated that process were both great. They were very helpful in getting things done. Overall, it was a great experience. I would recommend Amerisave Mortgage to a friend.

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    Customer ServicePunctuality & SpeedOnline & AppStaff

    Reviewed Sept. 21, 2018

    I was looking to get a house and I went through Lending Tree. I got a call from Amerisave and gave them the information that they needed. They got back to me within a couple of days and they told me I was preapproved. They were really responsive and quick. When I found a house, I gave them the information for the underwriting, and everything was pretty clean and simple. We did everything on the phone, and I like the online application process. I was very comfortable with the people I worked with at Amerisave. They would answer my questions right on the spot. It took two weeks to get everything together, but it only took a couple of minutes each time I had to submit something. Amerisave got me a house and working with them took away a lot of the stress of getting it.

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Sept. 20, 2018

    The first company I called started but the rep wouldn't call me back. AmeriSave was the second lender I called and their rep was always there. One time I could not get a hold of him, but he emailed me and I got the information I needed. I’ve refinanced a couple of houses but I’d never done it at home on the phone, so that was awesome. The process took 15 days at the most, and most of it was through email. It was quicker than ever, though you need some time to think about all of it. It was very understandable and easy.

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    Verified purchase
    Punctuality & SpeedStaffRates

    Reviewed Sept. 20, 2018

    AmeriSave was easy to work with. The representative I dealt with was very good, very personable and answered all my questions very quickly. Applying for a refinance was easy and their rate and terms were fine.

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    Verified purchase
    StaffLoan ProcessRates

    Reviewed Sept. 20, 2018

    I got a 30 year fix loan from Amerisave. The rates were competitive, low interest rates. The initial steps of getting a mortgage were easy. Once it went from the initial person to the underwriter, things got a little more drawn-out. The first person I spoke to who set everything up was very accommodating. And then once my files reached underwriting, I spoke to some people who weren’t as friendly and as cooperative. The process took a month and a half from the time I contacted them to when the approval went out. With that experience, I would recommend betting out other loan agencies.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessTransparency

    Reviewed Sept. 19, 2018

    I started off with Chase, which is who I had in my original mortgage. But the guy may have gone out of town on vacation only and he stopped answering my calls and e-mails for about two weeks. I wanted to get it going and get it done though. And the guy from AmeriSave stayed with me through the whole process from the beginning to the end. He was very professional and helpful. He told me not to hesitate to call and ask any time I needed any help at all. And every time I did, he responded right back. He was there when I had any questions and never left me hanging. He also explained everything to me where I understood it and where I knew what I was doing. If I didn’t understand something, he would explain it until I did. He also went on vacation in the process but he told me I could e-mail him any time and he would get right back to me and he did. I couldn’t have asked for better service.

    As soon as we got the ball rolling, it was three weeks in total from beginning to closing. It was extremely fast. Most of the time, closing can take 30 days or over. But in terms of the rate, I was hoping for a little better than what I got. It wasn’t terrible though, and I know doing a cash-out refinance is a little different. I also talked to the representative about the percentage and he showed me what I could do. There were several different ways of doing it. It depended on how much you took out to how much you put down. There was a 10-year one instead of a 30-year fixed. He sent me the list that showed what the payment would be and what you would pay for closing. All in all, I had a very easy and smooth process, and I would definitely recommend them over anybody else.

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    Customer ServiceStaffLoan ProcessRatesTransparency

    Reviewed Sept. 19, 2018

    We needed to move for health reasons because of our children but the mortgage people wouldn’t allow us to own the house we were in and buy another one at the same time. I called Quicken Loans and I told them that we wanted to refinance to get our son-in-law off the loan since he signed with us on it. I told them how much we had and how much money we had to pay from our proceeds of our other house. The rep said that their policy was to make you wait 90 days before they do a refinance. I told that I didn’t wanna wait 90 days because the interest rate might go up.

    AmeriSave got us a better interest rate and we cut the loan by five years on the new house at $300 less per month. It worked out well and we were very happy. We paid $45,000 towards our mortgage with Quicken Loans which made the amount we needed to borrow from AmeriSave less and we had extra money each month to help swing all the fixed income. During the process, everyone was helpful and let me know if they needed something right away. They were very understanding and it all went very smoothly. Also, they sent a closing person to the house so we didn’t even have to go anywhere so that was great.

    The customer service rep was very good and he handled everything. He was very professional, walked me through all the details and emailed me to make sure I was getting taken care of once it left his hands. We had one little problem when a certain form didn’t make it to the closing attorney and we had to reschedule the time we were gonna do our closing that same day. It got to the rep and we were still able to do it the same day and so, it all worked out.

    We had an unusual circumstance because we had a co-signer and we needed to get him off the deed and off the loan. For some reason, the part about the deed didn’t translate correctly. With that type of thing, they wouldn’t be doing a refinance to get somebody off their loan or their deed but it all worked out great and we had a great experience with AmeriSave. They were very accommodating because our son-in-law had to be here and we had to reschedule. My husband and I are retired so we can meet anytime but he owns his own business and he had to arrange a time to do it. We closed on this house on May 30th and we closed on our old house on June 7th so it worked out perfectly and we were able to move.

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    Customer ServiceOnline & AppStaffLoan Process

    Reviewed Sept. 19, 2018

    Amerisave's online application process was easy. The process took about 30 days from start to finish. Daniel was our rep and he was very attentive. He called and checked up on our status several times. He was able to do that without seeming like he was being pushy or invading our privacy. Overall, I was satisfied with the rate I got from the company and I've referred others to them.

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    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 19, 2018

    I chose the lowest rate I got and I liked what AmeriSave gave me, so I went with them. Their loan process was easy and was completed quickly in about two and a half weeks. The first guy I worked with was really helpful and the second guy was all right but I didn't really interact with him. Other than that, I was very satisfied with their service and I was on the same page with them. I understood what they were doing and the process was on track.

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    StaffLoan Process

    Reviewed Sept. 18, 2018

    From my first contact with the loan originator Dan to my introduction to Ben the loan processor I was treated like Ben and Dan were on my team with my best interests the most important factors with the loan. We had lots of requirements and paperwork that had to be submitted but Ben handled all the steps like a pro and Dan was always there to follow up if needed. I really felt that Ben made this loan his top priority even though I'm sure he had lots of loans working. I would recommend Amerisave to anyone that asks me, they took the stress out of a stressful event. They tailored my loan to what I felt was comfortable for my family, I felt that they weren't just skilled professional businessmen. Very down to earth and real. We developed a friendly relationship. In closing I felt that both of these gentlemen made my loan possible and at a fair deal for us. Thank you.

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    Verified purchase
    Customer ServiceLoan ProcessRates

    Reviewed Sept. 18, 2018

    I read a lot of reviews and checked how the lending process goes and it was a good experience to work with AmeriSave. The online process was quick and easy during the application. However, they do a lot of communication about some important document through e-mail and sometimes I don’t check my email. So I wasted about a couple days to reply back. They have to give me a call and I can get it done faster. But overall the 30 days that it took is still a pretty good deal. I worked with Corey, who was super nice and keeps a lot of effort to guide me through the process. I felt very comfortable with him. They have great customer service. The rate and the terms is not that impressive but it’s enough for me to say good. I would recommend to give Amerisave a try.

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    Verified purchase
    Customer ServiceOnline & AppStaffLoan Process

    Reviewed Sept. 18, 2018

    AmeriSave was the nicest lender that we came across with and the guy we worked with was very easy to talk to. We refinanced with them and their online application process was extremely easy. It took between two and three weeks from the day that I talked to the first person to the day that we went to closing. Also, our loan officer was very kind and receptive when it was a good time to call us. My husband would get home from work late and our loan officer told us that if we called him late, we shouldn't worry about calling him at home. He made the process very simple and I was very comfortable working with him.

    As for the mortgage terms we got, I would have liked a rate that was little bit lower and I thought we could get more of it. But we didn't want to pay for the points to bring it down. Other than that, everything else was fine and the process was very painless. I'd tell my friends to go ahead with AmeriSave if they could get the right interest rate they want.

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    Customer ServicePunctuality & SpeedLoan ProcessTransparency

    Reviewed Sept. 18, 2018

    I wanted to buy a place to live and took a mortgage with AmeriSave Mortgage. I had some other lenders that wouldn't qualify me because my brother is in the loan. AmeriSave fit my needs and their structure was better. My credit score was somewhere in the neighborhood of 400-760 and I expected a better rate but I didn't get it. I bought the property 10 years ago and I was surprised that the process was different. But it was smooth and easy to understand. It was easy to click on all the documents and when I signed something, it was electronic too. However, they should be more transparent.

    The process took about 27 days and we closed three days late. If you're doing a lot of things and have many clients, it's really hard to stay on top of things. In my case, I'm the only person so when I send something, I need them to reply within five hours. If they don't reply, I would get upset because I'm trying to rush things and get things done. Louie and Stephen were both good though.

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    Customer ServiceStaffRates

    Reviewed Sept. 17, 2018

    I switched to AmeriSave Mortgage when I wasn’t happy with another company's service. I liked the feedback that AmeriSave had on their website and their reps were very communicative, responsive and knew what they were doing. Some of the application process was online and some over the phone, and the documents were self-explanatory. The mortgage was the average market rate so it was good. I’m very happy with AmeriSave's service. I have started referring people to them.

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    Customer ServiceOnline & AppStaffRates

    Reviewed Sept. 17, 2018

    AmeriSave was a recommendation by Credit Karma and I used them for a refinance. During the online application process, I didn’t have to wait for anything ‘cause I got back everything they asked for within an hour or sooner. It was very good and smooth. Also, their people were amazing and everybody, all the way down to the underwriter, were very professional. The 2 representatives who worked with me were great and they were like well-oiled machines. They were very nice and hands-on. I dealt most of the time with Aaron and his ability to keep me updated and tell what was going on was impressive. Then every Friday, Brett would call and leave a message, “Have a great weekend. We just want to say thank you for using AmeriSave.”

    AmeriSave's rate and terms of the mortgage were a little bit higher than probably I would have paid, but that was okay. My ex-husband’s in the banking business and AmeriSave did a better deal than his bank could do. While my mortgage has already been sold and I’m not with AmeriSave anymore, I was very impressed with them. You should check with AmeriSave if you're looking into refinancing.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 17, 2018

    I was looking at getting a mortgage for debt consolidation and the lady I talked to over the phone from AmeriSave Mortgage was very nice. Getting the mortgage was very quick and easy. The application and underwriting process didn't take very long at all and everything went so well. Plus, the rate that I got was fair. I would recommend AmeriSave and people should try them.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Sept. 17, 2018

    I was researching for a mortgage and my credit provider didn’t give me a good interest rate, so I went online and I came across AmeriSave. The enrollment was very easy and the application and underwriting process was pretty quick which took about three weeks to complete. The reps I worked with were good, too, and they called me back. But I had to pursue one of them for one or two times to find out what was going on. Then the person that was doing the financing was pretty good. He kept calling me, checking on me, and making sure I got the emails. Also, the terms of the mortgage they gave me were competitive and reasonable. I got a cash out refinance with them and overall, if you have a very good credit score and a good income that can be shown, AmeriSave has a straightforward process. But my first payment wasn’t for Amerisave Mortgage. Immediately, my loan was stolen, so I’m now with Citibank.

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    StaffLoan ProcessRates

    Reviewed Sept. 16, 2018

    I bought a new house and since AmeriSave was real good when I used them in my last home, I thought I'd try them again. I got the process going and it was very simple. The reps were very professional. The rate was a little higher than what I wanted, but it was comparable. I was able to close in under 30 days, and the underwriting was set and ready to close in a week and a half before closing.

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    StaffLoan ProcessRates

    Reviewed Sept. 16, 2018

    I went back to AmeriSave after the first time I used them and everything went better. I was looking into a mortgage for consolidation. The process took two weeks and was simple. I didn't have to talk to a lot of people, which was good, and I liked the people who were assigned to my loan. I was impressed with the smoothness of the whole thing. The rate was also comparable with anything else out there.

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    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 16, 2018

    I got something in the mail from AmeriSave and when I talked with their rep, he was good at what he does. He was able to get me into a different type of loan and I ended up getting a refinance with them. They made the application process very easy from the beginning to end. Working with the website, being able to upload documents, and the person who came out to my house to do the last bid were all great. The application and underwriting took a little over a month to complete and the rate and terms of the mortgage they gave me were not bad. They were comparable to what was out there. Also, the loan officer I worked with was very knowledgeable, quick, and timely. Overall, AmeriSave's process was pretty painless.

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    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 15, 2018

    I’ve had considerable experience with mortgage lenders because I was a landlord for many years, having bought and sold a lot of properties. I have moved a lot. I used AmeriSave seven or eight years ago and it went very well, so I used them a second time about three years ago. And then I used them again because they made the experience a lot easier. They were a lot more respectful of the fact that I have a credit rating of over 800. My credit rating is 826 last time I looked. That didn’t seem to matter to a lot of mortgage companies that I’ve used. They didn’t believe anything I said. They made me prove everything and made me write long letters. On the other hand, Amerisave looked at my overall record and not the money I’ve got in the bank, and they made everything way easier all three times.

    For all three times I used them, all the reps I have spoken to all seemed top-notch and the application and underwriting process took two weeks. They were always very prompt. They let me know what has been received, what documents you owe them and they made it easy to upload everything. I like how AmeriSave Mortgage's website works and their rates and the terms were competitive.

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    Sales & MarketingPunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 15, 2018

    I previously worked with AmeriSave and I was happy with the services. So when I needed to buy a house, I chose to use them again. They sent me the steps. The house had to get appraised, we had to get the financing lined up, I had to get my bank statements and had to show proof income. I like the fact that the loan is not negotiable. I also like the fact AmeriSave is a one-stop shop with the best rate and we don’t have to go through a car sales routine to try to get the best price without them gouging me. We did the whole application and underwriting process in less than a month. It was very fast. There were a few things that were already in place that we had, which made things move faster. We were able to move the date up pretty quick and it went really well.

    AmeriSave does a great job of laying out the rates and allowing us to pick the rates, and that makes things a lot clearer to people who don’t understand the whole process. I could’ve just brought the rates down or let the rate go up, depending on whatever I wanted the rate to be. I worked with two people in AmeriSave. The first guy was more about getting the paperwork for the purchase together, while the second guy was more about getting the financing approved. I really like the first guy. He was amazing. But the second guy was not as good as the first guy. He was less outgoing. But at the end of the day, he gave me all the answers I needed and took care of everything. That was the most important part. I would use AmeriSave again if I bought another house.

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    StaffRates

    Reviewed Sept. 15, 2018

    AmeriSave had the best rate and was easy to work with. I had to do the application process online. I’ve never done it before but their reps taught me how to do it. They had us register, sign stuff, and initial things, so it was interesting. At first, I was a little bit apprehensive but it worked out well. Their reps were good and it was easy to talk to them. They didn’t make it too difficult for me to deal with the stuff. Also, the rate was not bad. AmeriSave should keep doing what they’re doing. People should get a mortgage and a refinance from AmeriSave.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRatesTransparency

    Reviewed Sept. 14, 2018

    I wanted to take some cash out to do some home improvement and consolidate credit card debt. I was considering refinancing then I went online, looked at a couple of things, and talked to four different companies. When the woman from Amerisave called me, I wasn't going to accept another quote, but she was very nice and very responsive. We talked for about 30 minutes and she went through some things. She talked to me about no closing cost, which I liked, and I ended up getting a new mortgage from them. It was truly the ability to close quickly with a very clear understanding of closing cost and what was and wasn't included that made me go with them.

    The first woman sent me three different options. I sent her back an email with a question then I didn't hear from her. Later, I got a response from a gentleman and it said that my application had been transferred to this person. So, I reached out to him and he got back to me. We spoke twice on the phone and I was ready to go. So they were both very clear and easy to understand about what the process would be. During the application, it was a little bit difficult because I received four different options from different lenders at the same time. So although that would seem like a good thing to do the comparison, it also got a little bit confusing to remember who was on what. But AmeriSave's online process was very simple and very straightforward. And the application and underwriting process took less than two weeks to complete. It was very quick and I was very happy.

    Once I committed and accepted accepted the loan, I was given to another person, an internal person, who walked me through stuff. And that person was very responsive as well. So I had three different people that I spoke with and all three were very helpful and quick to return my calls or emails. The rate was a little higher than I wanted to go, but I understood why. And the terms seemed fine. AmeriSave was great for me to work with. They made what could have been a confusing process very easy for me and I appreciated that. I have also recommended them to someone else.

    But once the loan was processed and closed, I was looking for a little bit more communication about what happened with my previous mortgage company. I received a settlement check from them that is not in the amount that I expected, so I wanna go back through my paperwork. Also, I received a letter saying that my loan was gonna be sold to Wells Fargo. I understand that mortgage companies buy blocks of loans with whatever makes sense but I told the closing attorney that if AmeriSave sells my mortgage, I wanted to go to anybody but Wells Fargo. So I wish that there was any way for a customer to have any sort of selection process about who their mortgage would be sold to. I realize that is not the reality, but I know so many people that had Wells Fargo and it has been a nightmare for them. Plus, I had a great experience with my previous lender and I don't wanna have a nightmare experience.

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    Punctuality & SpeedLoan Process

    Reviewed Sept. 14, 2018

    I wanted to refinance and I chose to go with AmeriSave because of the rates. Obtaining the mortgage was fast and easy and the application and underwriting process took around over a month and it was simple to do online. But as soon as the mortgage deal was done, I was notified a week later that somebody else was servicing the loan. They sold the loan to PHE Mortgage whom I never heard of and they’re servicing alone so I really don’t know much about them. AmeriSave is a good company to go with, but they most likely will not service the loan. I wish they could handle the loan more versus transferring it to somebody once it was all set and done. But the rest of my experience with them was pretty good.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Sept. 14, 2018

    A couple of years ago, I used AmeriSave for a refinance. They were very accommodating then and they met my needs. Then I needed to pay off a few credit card bills and I reached back out for the loan processor that assisted me in the last one. She was very helpful and understanding. She knew my past history so it made things a little bit easier, smoother and I felt I was in good hands.

    They explained the different rates which have gone up a little bit but it's what the market is bearing right now. It would have been nice if I've got the same rate I had before, but it wasn't that big of a change so it's all good. I'm completely satisfied with their service and for my particular needs and for my instance, I have no complaints. They were able to process my refi in an extraordinarily fast pace and closed it in 15 days. I also had everything that they required for documentation so that sped things up too. I was happy with them and I'd probably use them in the future if the need presents itself.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 14, 2018

    I was looking for a refinance with a cash back option to get off some debt and get a roof put on my house because my insurance wouldn't cover me on that. I went online then I accidentally pushed a button that I might be interested in a mortgage. I immediately got a phone call from a big company in Michigan and they were predatory. I spent a bit of time on the phone with them and I realized that it was a good time to go and have a refinance. The company was pushing me fast to sign up with them and I didn’t like it. Other people started calling too. I did Google searches for best mortgage companies and read people’s reviews. I saw that people were able to get the best rate from AmeriSave.

    I called them and got John, a mortgage salesperson who was willing to answer a lot of the questions that I had. He was relaxed and dealt with me exactly where I was at and what I needed. He was from Atlanta, and he was Southern and personal. You know you had it if you hit the right chord with the salesperson and when they get you. I knew I wanted to refinance and position myself better financially. However, I didn’t know how to do that. He was so patient with me in talking through all of the different options, what my goals were and what I was trying to accomplish. He didn't get frustrated with me and put up with me when I flip-flopped several times on whether I should do a 15, 20, 25 or 30-year note. He gave me good advice about the different options but didn't push me into any single one. He let me come to it on my own.

    It was a process to figure out what the best profile in terms of the loan, the rates, the options. I loved being able to see that, think about it and decide which one worked best for me. John was a great person to work with on the front end if you're trying to figure out the loan and the best deal. I would send people directly to him. Nikki was the closer. They were wonderful to work with, polite, kind and responsive. They would answer phone calls, and they would answer emails. If they didn’t answer on the first ring or email immediately, there would be a response within 24 hours with information that I needed to answer my questions.

    It was a real pleasure to work with AmeriSave. They were perfect. The whole process was said and done within several weeks. It's not the first time I've refinanced and I have had quick experiences in the past, so I was thankful and glad that the whole process went as quickly as it did. I've seen similar timeframes of completion and then, I've seen worse. If you had an offer about the terms from another company, AmeriSave would match it. That was awesome and it sealed the deal.

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    StaffLoan ProcessRates

    Reviewed Sept. 13, 2018

    I used AmeriSave previously and I was happy with them but I needed a certain criteria to take advantage of in the state of Utah. The local one was able to meet those requirements AmeriSave wouldn't, so I proceeded with the original lender. However, when I was getting a quote for the interest rate, they were unusually high. I went on AmeriSave’s website just to compare the interest rates and it could have triggered an email to the same loan officer I used in the past. The loan officer was very good. He came up with a different plan that was financially better for me and stayed on top of all the deadlines which was one of my concerns. He was quite proactive. I switched lenders halfway through the process and AmeriSave made the opportunity to close one week before the deadline. They were extremely efficient and it was 100% excellent service.

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    Online & AppStaff

    Reviewed Sept. 13, 2018

    AmeriSave was the first company I talked to when I was looking at mortgages. The application online was fine but every night, we had to send a lot of data through fax. The rep was very professional and he answered my questions. He was very helpful in that way. The application and underwriting process took three weeks and we got the loan closed with AmeriSave. However, two days later, they sold us to another company to take care of the loan.

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    Online & AppStaffLoan ProcessRates

    Reviewed Sept. 13, 2018

    I wanted to refinance and to take some money out of the house and it was easier to do it with AmeriSave Mortgage. When I went online, they had a chart and it showed all the different rates, different terms, and different costs. It was all spelled out right there and it made it a lot easier to go through it and to make up my mind and decide what term I wanted. There were all kinds of things involved in the points I had to pay and it also made it easier. None of the other places did that. The online application process wasn’t that difficult and the reps were knowledgeable. They led us through the process. The woman that I dealt with was very patient and very helpful. She understood that I had refinanced before, but I never did it online. I went over all the options and I was very pleased with the what I ended up with. The rate was a little higher than what my past mortgage was but not that much.

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    Customer ServiceStaff

    Reviewed Sept. 12, 2018

    We needed to do some home improvement and we ran into Amerisave. Their rep called us back and talked to us about getting a mortgage. Applying took us a couple of days and the reps whom we spoke with were very knowledgeable and friendly. The one who contacted us specifically was John ** and our underwriter was Stephen. They were quite comparable to other people. Overall, Amerisave did a great job.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 12, 2018

    I was looking to lower my monthly payments. I heard good things about AmeriSave and chose to go with them. The application and underwriting took about a week and it was a very smooth and easy process. The AmeriSave reps were very helpful and knowledgeable and they easily answered all the questions I had. I could call or e-mail them and they would get back with me within a few minutes. I’m happy with the mortgage I received. The rate was better and they were also one of the easier companies I've ever worked with. It was a pleasant transaction on my end, and I would recommend AmeriSave to others.

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    Customer Service

    Reviewed Sept. 12, 2018

    AmeriSave was the best. They called me first, so I worked with them over the other lenders. We had to do the application online and then we had to do it with a notary. It was fine to do online because we could take our time and read it. We got all the things together for the refinance over a period of 10 days because we were doing it piecemeal.

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    StaffRates

    Reviewed Sept. 12, 2018

    I wanted to get rid of the PMI and I talked to a gentleman from AmeriSave. He sounded very honest and knew what he was talking about. I enjoyed working with him because he was knowledgeable about rates and getting rid of the PMI. Everything was online and I called one weekend to see where we were. Another gentleman answered on a weekend and he wanted to reroute the whole mortgage again. So, he cut the other guy out that I was originally talking to. I wrote a letter about that to my mortgage broker who shared it with his boss. That was kinda weird and I have never had that happen. Everything was okay till point and you can follow up with them. They ironed everything out but it set a bad flavor.

    I went back to the original broker and he apologized a hundred times over. He was great and I already had a rapport with him. I trusted him. Everything was okay after that but I certainly wouldn't want to have anybody I know go through that. When the broker starts the mortgage process, let them take care of it and let it go all the way through because he's the guy establishing a rapport with the customer.

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    StaffLoan Process

    Reviewed Sept. 11, 2018

    AmeriSave was good in explaining everything and the process took a week. It was very good dealing with the reps and they were very professional. If I had to, I would do it again.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 11, 2018

    I used AmeriSave previously and when I relocated to a different area for a new job, I applied for a new loan. The application process was not too bad but towards the end, there were a lot of last-minute things that they asked for that were within six days to close. Nevertheless, the customer service people worked with me fine and I was able to find all the information. Also, the rates and terms were good. It was easy to work with the stuff online in terms of providing the information but make sure you have all your ducks in a row because they would ask for a lot of different things periodically depending on your situation.

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    Online & AppStaffLoan Process

    Reviewed Sept. 11, 2018

    We did this on my sister and my brother-in-law’s house and it looked like AmeriSave Mortgage was the best company to go with. I talked to Roger and Maegan and they were very helpful. The online application process was great. We were able to figure everything at my brother-in-law’s laptop. We didn’t have to run around the different institutions and fill out different forms. We expected about three weeks for the application and underwriting process but we got them a little sooner.

    We have done our homework, but during closing, the lady made it a lot simpler for us. She had all the paperwork ready for us. She only had a couple of questions and we had the answers. We were in there in less than an hour and I would’ve appreciated a business card from them. That would have been nice and I was really satisfied with the terms of the mortgage. I looked at others and some of the interest rates were 7%. I even had one out there tell me 8%, but I wasn't gonna pay that. AmeriSave is where I would go if I was looking for a house.

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    Staff

    Reviewed Sept. 10, 2018

    We found Andrew ** and Nikki ** to be informative, patient, thorough and professional. We were grateful for their conduct and recognize them as assets to AmeriSave. We have already recommended Andrew and AmeriSave to our colleagues. Cheers and thank you.

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    Online & AppStaffTransparency

    Reviewed Sept. 10, 2018

    I looked for the best prices and came up with AmeriSave. And they turned out to be really good. The online application process was great and the guy that we used was excellent. He was communicative and on the mark. We went over the different rates and points and how I could buy up to the very beginning. I had chosen one and he thought it was the best one given our circumstances. So he knew what he was talking about. We buy houses a lot so we knew what we were doing and we had all our ducks in a row. So AmeriSave just had to verify our stuff and that was it. But he was also on top of everything to make it happen within 15 days. We closed this property then. All in all, it was a good and easy process, and the terms were very good. AmeriSave did a very good job.

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    StaffLoan ProcessRatesTransparency

    Reviewed Sept. 10, 2018

    AmeriSave had rates and terms that were at par with the other lenders that we looked at, but since they came as a referral, we decided to go with them. We did a conventional loan with them and the online application process was easy. Also, their reps were clear, concise and up-to-date. The whole process took 21 days and was done in a timely manner.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 10, 2018

    I inherited money, so I decided to pay off my car, which left me with $400. I decided to add to my mortgage payments. I was refinancing from a 25-year mortgage down to an 18-year and so, I was gonna pay more but I had the money to do that. AmeriSave, which was my current mortgage lender, had the best deal. The point they quoted ended up being higher but since the interest rate was below the current rates, that made sense. The online application process was good and convenient. I checked the emails and if they needed something, I could reply by email to them so that saved a lot of phone calls. The paperwork was right there. I couldn’t scan it back but I could copy things off that I needed.

    The process took two weeks and it went faster because they knew me. They had my mortgage history and so, I didn’t have to go through that many bells and whistles. I was already a customer which they approved of, so that made it simpler. It was a very easy and quick procedure even though they had to inspect the property, which they didn’t do on the first mortgage. Other than that, everything went smoothly and they were responsive.

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    Customer ServiceOnline & AppStaffRatesTransparency

    Reviewed Sept. 10, 2018

    I had an FHA and I wanted to get rid of the mortgage interest. AmeriSave's rate was very transparent. By putting in my minimal personal information through their website, I was able to get a really good estimate of what my rate would be and my monthly payment. My only issue is that it was very difficult to reach people over the phone when I needed them at that moment. The folks are busy so they have to do a lot of callback. But everything else was good. I’m very happy with their rates and terms. The customer service was also great. I felt fairly comfortable working with them and I would recommend them.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Sept. 9, 2018

    I did some shopping and made some phone calls, and I had a very pleasant experience. The AmeriSave personnel that I spoke and dealt with from the chief guy and the various secretaries who worked with him were all great. I got a 30-year fixed loan for our daughter’s new home and everything went smoothly. The rates are always too high like your grocery bill or gasoline but our plan is to refinance perhaps in a year down the road and do better. I appreciated their helpfulness and comfort.

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    Customer ServicePunctuality & SpeedLoan ProcessRates

    Reviewed Sept. 9, 2018

    Everything went smoothly with AmeriSave the last time I worked with them and so, it was time to go with them again. I reached out to Rebecca, the person I worked with previously. I sent her an email and then she got the ball rolling. She showed me the rates and all the different options, and went over what my best options would be, cost-wise. I selected a rate for refinancing. A lot of my information was already on file so they could pull everything offline. Their customer service was excellent. They made a follow-up quickly and they were very responsive to any questions I had. I considered good everything about them. We closed quickly and it was after hours that we got the whole process done in the first place, and so I was pleased with the timing and everything about it. People should look into them. They are gonna sell you a loan but the same rates and everything applies for that. AmeriSave is a good company and their rates make sense.

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    Online & AppStaffLoan Process

    Reviewed Sept. 9, 2018

    The reps from Amerisave were all reasonable and forthright. It was a pleasurable experience. Their online application process worked pretty well. I was pretty satisfied with the overall experience. If this is the way they do business generally and my experience is a representative of how they interact with other people, I would recommend Amerisave to other folks.

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    Loan Process

    Reviewed Sept. 8, 2018

    I bought a house. We got a mortgage from AmeriSave because of their closing cost. Everything went very smoothly with the process and they did an excellent job. I would refer them.

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    Customer ServiceOnline & AppStaffLoan Process

    Reviewed Sept. 8, 2018

    I wanted to save and AmeriSave had a competitive rate. The online application process was extremely detailed and the paperwork was way more than I wanna do but it was fine. Robert, the rep, was knowledgeable about the process which took 30 days. He was sharp on the numbers and detailed about everything. He took the time after-hours to answer questions that I had. Overall, it was a good experience.

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    Customer ServiceOnline & AppStaffRates

    Reviewed Sept. 8, 2018

    AmeriSave were the ones who answered back first and they were customer friendly. So I refinanced with them for a lower amount of years. Their online application process was very simple and everything was cut-and-dry. Everyone was also pretty much on top of everything. If ever I had any questions, they would return my phone call within a day or within hours. That was a very big deal and I was very comfortable working with them. They were very helpful in anything that I needed help with. The rate was satisfactory as well and I felt it could have been a little bit lower. But as far as the terms of the loan, they were pretty good.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Sept. 8, 2018

    AmeriSave's initial quote was the lowest. I refinanced with them and we did two homes with 20-year mortgages. The process was smooth and very organized. Everything was online, so we just had to upload our documents. I worked with Grant, the loan officer, to make sure everything was on time. Grant was very good and on top of things. He checked with me almost every morning. I would get an email report and, then, if needed, he would give me a call. Once we got the file from AmeriSave, we had to go through and upload all the confirming documentation.

    I'm always travelling and very busy, and for someone like me, AmeriSave is very convenient. I don't have to go into a physical office and sit down with somebody and spend a lot of time. So, the online process is really fantastic. I got a complete list of documentation and I just had to go on my computer and upload everything. It was the best loan experience we've ever had and I'm planning on using them again.

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    Punctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 7, 2018

    I worked with AmeriSave before and I chose to refinance with them. Their online application process is wonderful. It is very streamlined, fast, efficient. I finished in about a couple of days then I went thru complete underwriting for about a week. I’m very impressed with their lending process and I didn’t see any problem. Also, their loan officers were very responsive and very professional. My underwriters were Clayton and Robert and I was impressed with them. They knew what they were doing and I was comfortable working with them. The rates and terms of the loan are competitive and they can always be better. But I worked with other lenders and I like AmeriSave the most. I would recommend them.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 7, 2018

    I wanted to buy a home. I looked into getting a new mortgage and since AmeriSave's rate was the lowest, I went with them. Also, my father used them in buying a previous home and had a good experience with it. I got a 30 year fixed rate loan and obtaining it was fairly easy. I applied online then I was contacted by their rep. We worked through any additional information needed in the loan process and I was assisted by Lauren. He kinda took care of mostly everything. He was very responsive and he checked up on me once every other day to see if we needed any additional documentation.

    But they were really true to their 8-5 business hours from Monday to Friday, which sometimes was not reasonable in the home buying process. I couldn’t really get a hold of them on weekends or after those hours. Other than that, I submitted my offer on July 4th and I closed on my house on August 3rd. That was fast, especially because I was supposed to close August 17th, so we closed two weeks before. Plus, I gave them notice on July 27th that I needed to close on the 3rd and they made it work. Also, the rates and terms of the mortgage were decent and reasonable for the market. I shopped around a little bit and I paid for points, so I paid to reduce my interest rate.

    All in all, I had a really good experience for the most part. The only thing is, sometimes the home buying process isn’t an eight to five and Monday to Friday job and their response times could be improved during those necessary hours. You don’t want people working all the time but in an emergency or if you run with something you need to get done, you need to be able to put in overtime.

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    Customer ServiceOnline & AppStaffRates

    Reviewed Sept. 7, 2018

    AmeriSave responded to me and what they offered seemed to work. The rate was fair but I was hoping for a little bit less. The application process took two months. It could be a little bit shorter, but it wasn't that bad. It was seamless. Also, they could eliminate some of the paperwork that they ask for or there could be a quicker way of being able to do it by making some of the information verbal. Other than that, the rep I worked with was very helpful. He was checking on me continuously which I appreciated. AmeriSave is a good company. They worked with me well. I would recommend them.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Sept. 6, 2018

    My sister used to work with AmeriSave and I decided to apply for a mortgage with them. Their process was super easy and everything happened within 30 days. If I produced my documents faster than I did, it would’ve been faster. Their reps were responsive, timely, courteous, and helpful. I also was happy with terms of the mortgage they gave me. They are the best company ever and I’d use them again.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 6, 2018

    We were purchasing a condo and when I was shopping for rates, AmeriSave was one of the companies I called. Their rate ended up being the best deal for us. The online application process was good and the whole thing was closed within a month. The timing was good but I was very disappointed with the loan officer because he started out real friendly, but once we decided to go with them, I didn't hear a word from him. There were some issues and he didn't help at all. So, I was totally dealing with the processor who was very good about getting back to us. However, she was limited because of what she knows. We had some issues because we were buying up in Ohio. My husband was there and I was down here, and we wanted to put me on the title. We thought we had done everything we needed to do, and I was talking to the processor about it. It turned out they wouldn't let the title company put me on the loan title.

    I wish that was clearer and defined because it was what we talked about many times. I thought everything was fine but when it came down to the signing, the right paperwork wasn't done to allow us to get that. I was very disappointed in that and now, we have to go back and pay for some things to put me on the title. It was because the loan officer wasn't involved from the beginning and he should have been able to help out with that. Nevertheless, the rate matching of AmeriSave was very good and the mortgage insurance was a little bit less. So, it made it more interesting to go with them than the other company that had the lower rate. However, in the end, I couldn't recommend them because of the problems that we had at closing. I didn't like the interaction with the loan officer and It might be better to go with someone else to make sure you have the right customer service.

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    Punctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 6, 2018

    I already had a mortgage and I was just refinancing with AmeriSave. And I'm mad at them because right after I refinanced, they sold my loan to Wells Fargo.

    But other than that, AmeriSave's refinancing process was relatively simple. I had all the information that their rep needed and within a month, I was refinanced. The application and underwriting process took about three weeks and AmeriSave's reps were awesome! The terms of my loan are good and my interest rate went up a little bit, which I wasn't really happy about, but I understood that and overall, I'm happy with everything. I had a quick and easy experience with them and I didn't have a problem.

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    Customer ServiceStaffLoan ProcessTransparency

    Reviewed Sept. 5, 2018

    We had a loan before with AmeriSave and recently we refinanced with them. Everything was perfect. Their process was very easy and applying online was so much easier than the traditional way. Then the application and underwriting was completed in a matter of days. The interactions I had with their reps were very clear and straightforward. Some of them were verbal but 90% of them was thru email. Google AmeriSave and fill out the application. It is plain and simple.

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    StaffLoan Process

    Reviewed Sept. 5, 2018

    I was in need of some financing and I was a return customer of AmeriSave. I had a good experience with them and their whole process was easy. Someone called me and I applied for the loan over the phone. Then the application and underwriting process took almost a month to complete. Other than that, their reps were responsive and I would recommend them.

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    Reviewed Sept. 4, 2018

    Amazing customer service. Top notch. Lender was ready with all documentation and ready to close just 2 weeks after the application was created. The people I worked with at Amerisave were great at keeping everything very simple for me as the customer.

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    StaffLoan Process

    Reviewed Sept. 4, 2018

    I wanted to drop down the monthly payment and AmeriSave provided less origination fee for the loan. I applied online and I received many offers but I got with the one that fit my needs. I got a 10-year adjustable loan and the process took 30-45 days. It seemed that the guy I worked with didn’t have much experience and he looked like he was new to the process. In the beginning, AmeriSave said that there was no appraisal for the house because it was new. Then, they changed their mind and said that appraisal was required. In the beginning of the loan application, there was no need to pay the tax or there was no escrow account at all. Then at the end, when they quoted me for the monthly payment, it was included which was confusing. It shouldn't have happened but it was not a bad experience to deal with AmeriSave. You should just have everything documented.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Sept. 4, 2018

    I wanted to shorten my mortgage term and AmeriSave looked a little better to me when I compared them with a few lenders. The process took two weeks and it was the first time in a long time that I’ve done it. It was fairly streamlined and it was easy enough navigating the website. The rep answered any question I had. If I couldn’t get him on the phone, I would email him and I would have an answer within five minutes. It was good dealing with him. I got a 20-year fixed program and the rates were fair.

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    Punctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 3, 2018

    I got a new mortgage because I just bought my first house. The first person I talked to at AmeriSave was Zeinab and I liked her personality. They also have pretty much the same rate as Owens. The online application process was very simple and it is the best thing ever. I haven’t been to the office, not even a single time. We spoke over the phone and then everything was done online. The pre-qualification was done in one day and same thing with the pre-approval. It took them about 10 days to set up all the paperwork like they told me. It was fast and amazing. They were done and then we waited for the closing date, and they did it way before the deadline. Their reps were very polite and very patient. My experience was fantastic and I already recommended AmeriSave to my friends. I work in an insurance company and there were about four customers who already talked and closed with them and four are still in process.

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    Customer ServiceOnline & AppLoan Process

    Reviewed Sept. 3, 2018

    I looked for a house and found the right one so I had to look for a mortgage. I went through my bank, then somebody said to go on LendingTree and I wish I didn’t, but that led me to AmeriSave, which was the first to contact me right away. They didn't flood me with calls and they were extremely polite. I was dealing with Quicken at the time and I hadn't decided yet who I was going to use. I purposely asked a question I knew I'd get the answer back on and David from AmeriSave answered correctly, whereas Quicken was just out to get my $400,000 loan. They were the worst experience ever. With that, it was done right away and I chose AmeriSave. Their application process was awesome and they have a great online portal which made everything easy.

    I was working 12 to 14-hour days and I would still be able to jump on and get all the documents to them. I used the app where you can sign and use it as a signature with my realtor and it made signing a little easier. AmeriSave's process was so nice, I even told the realtor and gave Aaron and David's information to him. As a realtor, he frowns on the internet like using a lender that way, but I told him, "I don't think I'd go any other way." If I had a question, I could just email to Aaron and David and everything was answered right away. I’m a robot engineer and doing a mortgage was all new to me. I knew nothing about it, but I was on top of this thing and I closed within 33 days.

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    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Sept. 2, 2018

    My daughter-in-law's father is one of the board members at Procter & Gamble and all those guys use AmeriSave so, he highly recommended it. I had a loan that was backed up by securities and the interest rate kept going up and up, so I switched it to a mortgage loan. I am 65 years old and this was my first mortgage. I started out with another company and I was very disappointed. That was when I was told to try AmeriSave and I was very satisfied with their process.

    When I first started out with them, the first person I talked to dropped the ball a bit. I got ahold of his supervisor who straightened it out quickly and at that point, I had no problems at all. The process took 26 days which was phenomenal and AmeriSave was cheaper than the first company I went with. I was perfectly happy with the way everything worked out. The experience was short and sweet and I have recommended it to a few people. My daughter is getting ready to buy another house and I am pushing her to go with Amerisave.

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    Punctuality & SpeedOnline & AppLoan ProcessRates

    Reviewed Sept. 2, 2018

    I needed a house and when I was purchasing one, AmeriSave had the best interest rate for a mortgage. They had to get all my information and I had this sent to them. Uploading the documents online was more simple with their website than with the other lenders' websites. My interaction with the loan officer was fine and the application process was good and quick. The entire lending process took a week and a half and AmeriSave was pretty good.

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    Customer ServicePunctuality & SpeedLoan ProcessTransparency

    Reviewed Sept. 1, 2018

    We were doing a remodel and we liked the low cost of borrowing through Amerisave. We worked with Rebekah and the process as a whole was very straightforward. However, there were a few little things I was confused about. But then, when I emailed Rebekah to ask her to clear them up, she usually responded within half an hour. She did this even on weekends or at night. So, there was no point in time where I felt like I didn't know what was going on.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed Sept. 1, 2018

    I needed to get some cash for a second home and I was looking for rates and some idea what the market was. AmeriSave had a fairly quick response and when I checked out the rates, they were competitive and they were sort of the first ones on the spot. Their online application process was easier than my previous experiences with mortgages. There are some real advantages in the face-to-face kinds of meetings but considering everything, it was more convenient to do it online.

    Also, both the originator and my service agent were very responsive. They got in touch with me when there was something that was needed, always helped me to make sure I knew what I was doing, and when I had a question, they gave me a good answer. I got good service and they responded accordingly. The whole process took about three weeks and I was very pleased with my interaction with their staff. Also, the rate was reasonable and they covered my needs and accomplished what I wanted to accomplish with it.

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    Customer ServicePunctuality & SpeedOnline & AppLoan ProcessRates

    Reviewed Aug. 31, 2018

    I used to work for Amerisave back in 2005, 2006, and 2007, and when I bought the house next door, I remembered them and went right there. Their online application process was super convenient. My application got stuck in the final phase but since I was able to use the chat feature and talked to a guy that was very helpful, he got me sorted out within three minutes. I was able to finish everything and he was my point of contact until everything got turned over to loan processing. Nicky, my loan processor, was a Johnny-on-the-spot. I got called at eight o'clock in the morning and I haven't even read my email yet. The process was fast and painless as long as I'm willing to get everything uploaded and done. The whole thing was finished in less than 30 days. Their rate and terms were exactly what I wanted. AmeriSave is a great company and I recommend it all the time.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Aug. 31, 2018

    I knew I was not gonna do Wells Fargo anymore and when I looked up mortgages, I saw AmeriSave. I called them and checked them out. There was no problem and I’m glad I went with them. The process didn’t take long at all and the underwriter didn’t need a lot of information compared to others. He needed only a couple of extra things done and it was all set up. So, that was excellent. Bryan, the first gentleman I dealt with, was excellent. I got ahold of him and he called me right away because we wanted to get on top of things. AmeriSave gets the job done, they would get your mortgage qualified and get you all set up in a timely manner. They also had the best interest rates at the time. I thought AmeriSave was probably as good as anyone else but they were a lot better than the ones I dealt with in the past. AmeriSave is doing a good job and I would recommend them.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessTransparency

    Reviewed Aug. 31, 2018

    Tim was very knowledgeable of different choices for me. Since I was trying to sell a house and buy a new one, I was trying to figure out what was gonna be the best option. And he was able to explain things to me and make it make sense so I could make a good decision. Uploading the documents was easy but there were a lot of times that I got new disclosures. I didn't understand the difference of signing things that I thought I had already signed. But I would quickly email and ask what was up, and Tim would send me a message back to let me know why. There was also a lot of communication and the process with AmeriSave seemed to go quickly. It took less than a month and I was able to get my house quickly.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Aug. 30, 2018

    I wanted to refinance to help lower my payments. We got a call from one of AmeriSave's agents and he seemed really professional and the price was easy so I went with them. The whole process took four weeks total. The process was very smooth and they made it very easy for me. The rep even came up to do the title stuff right at our house so that made it real nice. Their people were very knowledgeable. Brent in particular was very helpful and very patient. He assisted us through the whole process. When he was off or when he was not at work, he was available to talk to us about the loan. We also did some communication with Allan, another great representative. Their rates and the terms were very competitive and we were very pleased with that. AmeriSave is a great company to deal with. I’d recommend them to any of our friends.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan Process

    Reviewed Aug. 30, 2018

    I was refinancing and did a LendingTree search. I narrowed it down to a handful of companies, began a one-on-one process with a representative walking through the different options with them, and picking the right one that fit for the family. AmeriSave had really good info, phone presence and knowledge. The whole application process was long, about three weeks. There were 70 different pieces of paper you have to sign or initial more than once. If you have somebody else on the loan, they have to do it too.

    AmeriSave should make the lending process a little bit more user-friendly. On some of the stuff, I had to go online and it was difficult to maneuver through the site. However, the agent I was working with was very attentive and responded quickly to emails and phone messages. They could see that I was on their website and I messed something up. And they responded to me before I could reach out to them. It was pretty interesting. I’d recommend them. They were easy to work with.

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    Customer ServicePunctuality & SpeedOnline & AppStaffEase of UseLoan Process

    Reviewed Aug. 29, 2018

    I needed to refinance and did an initial search over the internet. AmeriSave Mortgage was one of the first to reply back to me after I requested information and I liked the way they handled my situation. They responded quickly to my needs and they were very professional. Their website, where all the information is housed, was easy to navigate through. AmeriSave sent out alerts letting me know if there was something needed from me or if something new had been added to my file. Handling the process and working my way through it was very easy. The whole application and underwriting process took about 30 days. Some of the information wasn't accurate though and I had to call back but they updated it and corrected things along the way as well.

    Tim was my go-to guy there and he was very professional. He followed through and he was easily accessible and very knowledgeable. If had a question, I sent an email and he replied back to me very quickly. I could reach out to him and he was right there to help me through the process. AmeriSave Mortgage did very well and I would certainly recommend them. They're worth doing business with.

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    Customer ServiceStaffLoan Process

    Reviewed Aug. 24, 2018

    Great communication. No pressure. Very friendly & helpful. I will definitely recommend my friends and family use Amerisave when they need a mortgage. Ask for Russell **. He is my loan officer and has done an outstanding job.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Aug. 20, 2018

    When we decided to refinance our home, we contacted many companies. Amerisave stood out from the crowd. The options fit our pocketbook. The team is knowledgeable and friendly. And, the process moved along quickly. We are very happy with our choice.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Aug. 16, 2018

    Like others pointing out, locking the rate is quick and easy but everything went downhill since. We experienced the following with this lender and their underwriter:

    - They requested a whole new set of docs 3 days prior to closing: This new set of documents (related to trust and gift) were requested only 3 days prior to closing. Note that these type of documents would normally take about 1 week to obtain. No only this request was not made until 3 days prior to closing, we were given 2 hour window to provide in order to close on time.

    - Request irrelevant documents: Not only they gave us a 2-hour window to provide the above mentioned gift/trust documents, they are completely irrelevant. We provided our financial documents and explain to them that we do not use the gifts to purchase the home, and that the funds we have well before the gifts was deposited exceeded the loan. They, regardless, still request this even it has nothing to do with purchasing the home. They blame this requirement on FM.

    - Outrageous closing fees: We purchased a home that's about $450K, and the closing costs is $20K. Our agent said she never saw fees this high. For information purpose wise, we are a couple that hold jobs that are considered "professional" (he's doctor and I'm a lawyer), and our annual combined income exceeds the costs of the home. They treated us as if we don't have sufficient funds. Not only they requested proof of the closing costs ($65K for a $450K home mind you), they requested additional $20k "buffer". Our lender with our other home didn't request such.
    - Unresponsive: They request docs the last minute and give us 2-hour window to provide, while they didn't bother to return our calls and emails for the entire day.

    Worst experience ever!

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    Loan Process

    Reviewed July 18, 2018

    AmeriSave Mortgage did a great job for making our dream come true. From the beginning to the conclusion of the process of getting the mortgage was smooth because of their assistance at every point. I will strongly recommend this company to anyone out there searching for a good and trustworthy mortgage company. Love you guys! Thank you!

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    Sales & MarketingStaffLoan ProcessRates

    Reviewed July 17, 2018

    I obtained a referral to AmeriSave through ConsumerAffairs when I took a short survey about my needs and situation. I am so grateful I followed through. AmeriSave has the best online information about loan configurations and interest rates that I have ever seen. Within minutes of entering basic information, I immediately received a wide array of loan options. I was skeptical, but it was not a bait and switch. The initial information was accurate and nothing changed through the whole process. The loan originator and the loan processor were both awesome - responsive, friendly, knowledgeable, thorough and determined to make the experience as easy as possible.

    Everything was submitted through their online portal and a mobile notary came to our house at our convenience to sign the final papers. We started the loan application on 6/13/18 and, even with the Fourth of July holiday, the loan closed and funds were actually available to us to spend on 7/17/18. The last time we refinanced (through our former lender), the "streamlined" process took three months and many, many resubmissions of the same information. AmeriSave was definitely a breath of fresh air! I highly recommend this company!

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    Punctuality & SpeedStaffLoan Process

    Reviewed June 21, 2018

    I am very thankful for this company. This is my 2nd time around when I use it and never been disappointed. Friendly, fast and very helpful. I want to thank Sebastian **, my loan originator, who made me feel like I’ve been knowing him forever. I felt like I was talking with one of my family members. Also, many thanks to Matthew **, my loan processor who helped with my process. Thank you AmeriSave!

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    Punctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed June 11, 2018

    The application process was fast and simple. When I had a question Allison listened to my concerns and was able to find an even better solution than I ever imagined! The Team at AmeriSave is Genuine and full of Knowledge useful to anyone that's looking for low rates and incredibly low closing costs! Thank you Allison. :)

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 11, 2018

    Matthew **, Loan Officer, at AmeriSave is very professional, courteous. He is prompt with returning emails to answer questions. He never is pushy and never pressures as many loan officers do. I have a complicated refinance and he made it easy. I would highly recommend that if you need a mortgage or to refinance that you call Mr. **. He was the best! This is not my first time dealing with Loan Officers, and he was by far the best one.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRatesTransparency

    Reviewed May 3, 2018

    I had a variable rate mortgage and needed to refinance. Their application is pretty much standard and I did it all online. Their website gives you options if you want to pay for points in closing. The appraisal is straightforward and relatively easy and that is why I chose to do it again. I have used AmeriSave a couple times before.The application took a half an hour and the underwriting, a couple days. I have got excellent credit, so the application process sailed through. Also, Chris, the guy doing the underwriting and coordinating, was efficient. He was competent and he communicated well. Everything went off according to schedule. My loan officer John was experienced and professional, too. The thing that I like about those guys, unlike some of the others, is that they do not badger with phone calls. The rate I got from them was competitive in the market.

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    Customer ServiceOnline & AppStaffRatesTransparency

    Reviewed May 2, 2018

    I was looking to refinance and AmeriSave Mortgage had the better rate and total cost. I went with the 7-year ARM program. Their online application process was convenient and they stayed with what they promised. The application and underwriting process took about one month. It was very good service and the person that contacted me was professional, knew what he is doing and helped me with the needed documents. My interactions with their customer service representative were very good.

    We communicated through emails, but if there was an emergency, then I called him, so it was very convenient. He was professional. I just followed the needed document, posted it online and submitted the document. He helped explain and acknowledged it, so there was no problem dealing with him on occasion. Maybe the mortgage provider could give the same rate. The rate is not an issue, but the total cost is, and the total cost for AmeriSave seems okay. I recommend AmeriSave for any mortgage or refinance.

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    Customer ServiceStaffLoan Process

    Reviewed May 2, 2018

    AmeriSave is very friendly and they’ll work with you. I searched and chose them then they called me right away. I refinanced so I could finish off my basement and the guy who worked with me emailed me all the time and told me what steps are going on or what I needed to do. They’ve already switched me to two other companies for loan now. Still, I would recommend AmeriSave.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed May 1, 2018

    I went on Lending Tree to acquire a mortgage and then I got a call from AmeriSave, who sounded like they knew what they were doing so I decided to go ahead with them. AmeriSave's rates were compatible with what I was getting from all these companies. It was pretty much right there with what everybody else was trying to get me to have. I already own the house but I needed some funds to do some improvements on the house, like the master bathroom as we wanted to retile them and put a new carpet in there. So I took out a loan for 100,000 as I figured that would cover everything.

    The process of getting the mortgage went all right. We were trying to do the E-file on my computer. They locked up all the types, so basically I had to have them send me the information, so that I could actually copy it and then I signed everything. Then I faxed it all back to those guys. The only thing that I’m not really fond of is trying to do the signatures with the computer. It’s like when I go to Lowe’s and they want me to use my fingernail to sign something. Also, I don’t like all that information going through the computer. Nevertheless, the online application process was good and it went smoothly. We started in March and the application and underwriting process took less than a month.

    There were some goofy things that happened where I paid off a motorcycle and my truck and they sent the check directly to me. And then I had to send what they wrote to the company that I had to turn around and send it back out. It seemed like that was a loss of time. But everything worked out all right with their customer service. I dealt with Ryan and then the young lady who finished up all the paperwork. I was impressed that the reps contacted back to me. So we were dealing back and forth through my Gmail account and they kept me aware of what was happening with the loan. I was comfortable working with them.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed April 30, 2018

    For my first home purchase, I shopped around and ended up with AmeriSave Mortgage. At the end of the day, they were able to get me the lowest interest rate and were able to lock it in at a time where it was going up every week. It could’ve been lower, but I’m very happy with what it is currently compared to what it could’ve been. The online application process was simple, easy and straightforward. And, together with the underwriting process, it took four weeks to finish.

    Both of the reps I worked with were very good and personable. Being a first-time buyer, it was nerve-racking and I had a lot of questions. They were very patient with my questions and were able to answer it clearly. Both of them really just helped me out through the whole thing. Plus, all the times that I called, they were available. However, even before my first mortgage payment, I was already transferred to Franklin Mortgage and I’m like, “I wanted AmeriSave to have my business.” All in alI, I would recommend AmeriSave Mortgage.

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    Online & AppStaffLoan ProcessRates

    Reviewed April 29, 2018

    When we had gotten our mortgage 13 years ago, we already owned a home in Minnesota and we ended up having to get a really bad mortgage. It was a 10-year interest only, balloon payment. Before we’d gotten to the 10-year point, we were planning on refinancing, but the housing market collapsed and I got divorced. I finally got to the point where I could refinance on my own, and Amerisave Mortgage seemed to have the best rate. At the time, I had been thinking about doing it for a while. On that particular day, I had enough nerve to do it, I clicked on that particular thing and all the stars aligned.

    The application process was easy. I clicked on the information and they emailed me the different options. I also talked to somebody about my situation and what I could do about it. They were straightforward. I was most freaked out about frauds so they set my mind at ease about that. In addition, when I got divorced, I ended up with barely anything. Even though I ended up with the house, I didn’t end up with very much paperwork. I travel and I don’t have a lot of time to be spending looking for this and that and a bunch of paperwork. They also eased my mind about that and were very good about finding any paperwork that I didn’t have.

    I asked if I was going to need to make enough mortgage payments and what the timeline would be. Everything that they said would happen, happened. They were accurate with all of their estimates as far as time and money I would have to put down. Although their reps were good, I liked one of them more than the other and I tried to deal with one of them more than the other. One of them just needed more stuff and the other one was more helpful getting stuff. But they both were fine. The people I worked with were very good. Everything took a few weeks to finish and I ended up closing before rates went up, which was efficient. I would tell friends to give Amerisave a shot and to check all their options. I would also let them know that I had a good experience with Amerisave.

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    Customer ServiceLoan ProcessRates

    Reviewed April 29, 2018

    I was looking to refinance and get rid of some debt so I went to a site where they send your information out to several lenders and you get calls from those who are competing for your business. AmeriSave had the best rate and terms and the service process was of little to no fee. Also, the whole process took two weeks. They were very easy to deal with and if there were any questions, they were quick to respond. The online portal that we operated out of kept everything up-to-date and you were well-notified on what was required, what had been submitted and where everything stood. So, everything was smooth with no issues.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed April 28, 2018

    I liked AmeriSave's rates and I had a great experience with them. I applied for a refi and their loan process was pretty good, very easy, and convenient. I did everything online through email and their website would let me upload documents and esign everything. Their reps also seemed friendly every time I spoke with them, very thorough with what they needed, and made things simple. Plus, they were very quick to answer back if I email them or have questions. They would try to call but a lot of times I was at work and would not read my phone.

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    Online & AppStaffEase of UseLoan ProcessRatesTransparency

    Reviewed April 27, 2018

    I needed a refi and Amerisave looked good. The process was easy and they explained everything. Everything was online, so was really easy to use. That was mainly why I went with them. The application and underwriting process took a couple of weeks to be completed. However, I should have been able to get a lot better rate considering my credit rating, even though I don’t really care about the rate. I’ll pay it off early anyway. I wasn’t happy with that part of it and the rep should’ve done more to explain that part, which would have been helpful. Nevertheless, I am pleased with the terms. Amerisave is all really good. I’d recommend them.

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    Online & AppLoan Process

    Reviewed April 27, 2018

    I was trying to replace an adjustable rate mortgage with the fixed rate for the remaining period of time I thought I would need. AmeriSave offered the best deal and was easiest to work with from comparing different alternatives, so I went with them. Their application process was relatively easy in part because I purchased a second home rental property about five months before for which I also went through the online mortgage application process. So, that was helpful and I was a little familiar with it. Then, I found out that AmeriSave's process was not to collect every available piece of data and back up information, but to be a little more minimalistic and go after just what was needed. That made the process somewhat simpler and there was less stuff to collect. All in all, things worked out and I was satisfied.

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    Customer ServiceStaffLoan ProcessRatesTransparency

    Reviewed April 26, 2018

    I started talking to Drew from AmeriSave Mortgage and he did an excellent job. He was so informative, great and helpful. Moreover, he wasn’t pushy. I had checked one other company and they just kept calling back and asking if I was going to do it. I was very comfortable and I really enjoyed working with Drew. We were on the phone and he walked me through everything step-by-step while I was on my computer. If there was any information I needed, he answered me right away. I even have his cell phone number and he said to call him anytime. I took an FHA where the rates don't go up and down. The process went really fast really for me and the rates were great compared to what I had before, which was 7.5%. Now, I'm at 4% and I'm saving 350 bucks a month. If I knew anybody that wants a mortgage, I’d recommend Drew.

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    Customer ServicePunctuality & SpeedOnline & AppStaffEase of UseLoan ProcessTransparency

    Reviewed April 26, 2018

    We were refinancing and we did a lot of research. From a total of 12 different banks and financial institutions, AmeriSave was the best one. The online application was a little arduous but the online platform was very easy to use in downloading, uploading documents and tracking everything which was pretty good. We interacted with two different people. Sebastian was the front person and he was excellent. He did a stellar job in terms of following up and explaining the process to us. It was the first time we were doing a transaction like that so there was a lot of explanation needed. It was good to understand what we have to go through, the necessary kind of documents that were needed and the lead times for producing documents.

    Also, he was really good at trying to understand our restraints and requirements. Sometimes, all these things are like cookie-cutter kind of processes. Yet, we all have different situations, shapes and documents. He was really good at listening to us and trying to make sense of the situation. Plus, he was available all the time. It was amazing because we both travel for work so we had to be available at different places on the planet for phone calls or for the closing. We really appreciate his work.

    But by comparison, the back-office dude was much more difficult to deal with. I’m divorced and I have two daughters. There was a moment when I was asked to produce the divorce documents which was not an issue. It was part of the risk assessment and of my creditworthiness and providing that was not a problem. However, what I didn’t want was the names of my daughters appearing in the documentation. I’m very well aware that a lot of those documents are public information so they can be found. But the point I was trying to make was their names do not matter to the overall transaction. They kept on advising it’s their standard way of doing things. I just wanted to separate my daughters' privacy in the future in whatever I was trying to do. In the end, they agreed. They said they'll drop the thing and go ahead with the transaction.

    Sebastian really did a great effort in pushing something that may seem minor to banks or financial institutions. The overall transaction would make a big difference soon. Also, the terms that we received were the best ones we could find in the market. My partner and I are both Europeans so to me, it took me a long time to get my creditworthiness recognized in the US, but with my partner, it took her some time as well. We believe with what we had, AmeriSave has the best terms we found.

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    Reviewed April 25, 2018

    AmeriSave Mortgage process has been an experience that I would like to rate as extraordinary due to the knowledge of the team members associated with my loan, providing concise and clear information of each step in the process. If this request for mortgage loan is approved I would recommend this company to any requester.

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    Reviewed April 25, 2018

    It was time for me to refinance and the interest rate from 2009 was higher. I figured I could do better and refinance at a lower mortgage amount and bring my mortgage payment down. AmeriSave Mortgage offered the best package in terms of their flexibility with the monthly cost and their rate was the strongest of all that I looked at. Also, their customer service was the best of everybody I talked to. They’re very responsive and their application process online was seamless. I finished it in about two hours and closed the refinance in just a couple of weeks. I was happy with the lending process.

    Their underwriting rep was diligent about pushing me to get all the paperwork turned in. At first, I thought maybe she was a little too pushy, but I was glad she did what she did as it was the right thing to do. Another rep that worked with me was Mark and he was very patient. I gave him some challenges and asked him a ton of questions and he responded in a very professional way. He didn't try to rush it all and gave thorough answers to anything I threw at him. Plus, he answered quickly. Mark was phenomenal. Overall, I had a good experience with AmeriSave.

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    Reviewed April 25, 2018

    I saw that the prices of the houses and the rates were down a little bit and I was renting for 10 years so I looked into mortgages. I went to Lending Tree and some lenders and got a quote from them as well as from Joseph of AmeriSave who gave me the best rates. He gave to me the webpage, I started looking at everything and picked the one I wanted. I ended up buying another one and after that, he just turned to me when I was preoccupied and transferred me to Rob. It was a very smooth process which took a little less than a month.

    But the survey was not on time and the other company was saying it’s the mortgage company and this company was saying it was the other company. It was somebody’s fault that didn’t tell the other party what was supposed to be done and that cost me a little bit of money because the closing ended up at the end of the month instead of before so I had to pay one more month of rent for my other house. They should make sure before we have a closing date that everything is set up. But other than that, I understood.

    Rob and Joseph were very nice. Rob helped me fill out the application and he was with me all the way. After that, it was through email which I needed to get used to because I was more used to the phone. But it worked fine every time and it didn’t bother me. Sometimes you get frustrated because of the paperwork, but it’s part of the paperwork that you have to fill in, being the first time that I buy a house. AmeriSave’s rate and terms were fair but I didn’t like that it was 4% when I was in the process and then, when I actually signed, it went to 4.25%. Still, I would recommend them. I told everyone who asked me that AmeriSave is the one I dealt with and it was so smooth and easy.

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    Customer ServiceSales & MarketingStaffRatesTransparency

    Reviewed April 24, 2018

    I liked my previous experience with Amerisave and their low rates. I went with their 20 years fixed loan program for an investment. I was using their online system and the process took about four weeks. The reps were helpful and were able to find good options. There was good communication with Victoria and Matt and the rate was very competitive. However, after I closed, I started to receive a lot of spam that originated from AmeriSave advertising additional deals. That's definitely not needed and that didn't look very professional. They sent lots of mail to my addresses and all of them were scary. Everything was awesome until then.

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    Reviewed April 24, 2018

    I did a Google search for lenders and AmeriSave was one of the ones that came up and also they weren’t one of the ones that pressured me to start the paperwork right away. It was easy obtaining a loan from them. They gave me the stuff that I needed to fill up. Anytime I had to fill in anything, they’ll either give me a call or shoot me an email telling me I had more documents that I needed to sign and fill up. It was painless and relatively fast. It took a month and I have no complaints about how they did it. They did a good job. The first rep I spoke with walked me through the whole process as easy as it can be. He would even answer my calls on the weekend when I had a question. The rate of the loan was a little bit high but that comes with the territory with my score. All the people from AmeriSave were good and everybody I had contact with was very professional and fast.

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    Customer ServiceOnline & AppStaffRatesTransparency

    Reviewed April 23, 2018

    I was with Bank of America and I was thinking of refinancing. I called LendingTree and they put my information, which went out to different entities. The first person to contact me was a gentleman by the name of Benjamin from AmeriSave. We just started talking and he was very pleasant, professional, awesome and knowledgeable. He was also very patient. He sat with me on the phone while I was on my computer at home and he walked me through the entire process. It was pages and pages of online application and it was very confusing. It was like Chinese.

    Jordan, the second gentleman who helped me was also awesome and professional. He and Benjamin were both courteous, genuine and wonderful. From the time that I spoke to the first person until the time it was approved, it took under a month. I was happy with it because we went step by step and everything was good. Moreover, the rates I ended up getting was wonderful. Everything that they said was as we talked about all the way throughout. I'd give friends the number that I have and tell them to call AmeriSave.

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    Customer ServicePunctuality & SpeedOnline & AppLoan ProcessRates

    Reviewed April 23, 2018

    I wanted to refinance my home. I went to LendingTree and I compared the rates. AmeriSave had the better rate. The online application process of AmeriSave was good and, together with the underwriting process, took three weeks to complete. Crystal and Russell handled my loan and they were both great. At one point, I wanted to pay for my first payment online but I wasn’t aware that you can do that. I tried calling the number that was in the letter but I never received a phone call back. It wasn’t until somebody called me that I found out that you can make payments online, and that was a little bit annoying. But they were fast and they had a good rate.

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    Customer ServicePunctuality & SpeedOnline & AppLoan ProcessRates

    Reviewed April 22, 2018

    We were looking to refinance. It was a long process of obtaining my mortgage. We searched for the best rate and talked to a couple of different people, and from the quotes that we got, we made a decision on which mortgage we wanted to go with. We have gotten a quote from AmeriSave Mortgage before and their customer service seemed to be good. The application and underwriting process took about four weeks, and it was done pretty quickly. The rates and the terms of the mortgage were great and we were very satisfied. I would tell my friends to check AmeriSave out, get a quote, and see what they think, and compare them to the other quote that they got.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed April 22, 2018

    Adrian called me and I called him back a week later. He got all the information and both him and Benjamin made it possible for me to go with AmeriSave. I sent all my information on income as well as two forms. The online application process took a month and it was easy. Although the rate was a little high, I got what I wanted so I can't complain. Amerisave Mortgage was great and it was a fabulous experience.

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    Reviewed April 21, 2018

    Purchasing a house is stressful, but AmeriSave made it very easy for me. While I was looking for a house and found one, I had to quickly find a mortgage lender. I shopped around for a company that I thought would give me the best deal and I saw that AmeriSave was very competitive with their rate. Even the other lenders, they couldn’t touch what AmeriSave could do for me. I appreciated that they were able to give me a good rate as well as my interest rate. When you work hard and your credit is good and you work your way up to a certain status, that is a good thing that AmeriSave will appreciate back too. I also thought that at the time, I was lucky to lock into a very good rate because now, we’re in a vulnerable market where rates are going up and down.

    Getting the loan was a very smooth process with them. It was done in a very timely manner so I was happy with that. Also, the people from AmeriSave were very efficient with information. If there was any question I had, they were always very clear and easy to work with. They were very polite and respectful, and have a really great attitude too. I also felt very comfortable working with their rep who was very courteous and professional. He always got back to me in a timely manner and that was very important to me. He did his job very well. I'd tell my friends that they will be in good hands with AmeriSave as they work closely with you. I purchased my home in March and it was a good experience with them.

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    Online & AppStaffRates

    Reviewed April 21, 2018

    I was very happy with AmeriSave Mortgage. I like their service and rates. They have the best rates and their reps were very good and very professional. I went with their refinancing program with money out. Their online application process was very good and very helpful. It only took a few days. AmeriSave Mortgage is the best.

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    StaffLoan ProcessRates

    Reviewed April 20, 2018

    I’m very computer literate and it’s an easy flow with AmeriSave. I don’t have to go anywhere since I can do it all online. I’ve done the application process with them four times now and it's simple. However, I don’t recommend it for somebody that’s not computer literate. The reps at AmeriSave were very helpful. I didn't have to do too much unless I made a mistake, and they told me that they would fix it. The rate and terms of the mortgage that I received can’t be beaten by anybody. Plus I get a $500 bonus every time I use them.

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    Reviewed April 20, 2018

    I was looking to refinance and AmeriSave has the best rate. Paul was my loan officer and I was impressed by his professionalism and willingness to walk me through and provide guidance. It was very easy to reach out and communicate with Paul. I went with a 30-year fixed program and the online application process was very convenient, user-friendly, and easy to use. I find having to sign papers, getting the credit approved, and locking in my rate before any discussion occurred somewhat annoying. Also, I'm not a big fan of getting notified a week or two after the loan was funded that they've already sold it off but I assumed it would happen and I understand these are all part of the business. And with the rates and terms of the mortgage I received, I couldn't find a better one. I would recommend AmeriSave.

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    StaffLoan ProcessRatesTransparency

    Reviewed April 19, 2018

    Amerisave Mortgage was the easiest I've ever had getting the mortgage. We filled it out online and then they assigned to people that walked us through what documents needed to be provided. We uploaded them right on to the internet, and then we signed it electronically and it all happened very quickly. It took less than a week to finalize. Moreover, the loan agents that were assigned to our account were great. They wanted us to be able to get it done without any hassle and they did their best to make that happen. In addition to that, Amerisave got a good rate and good terms to lower the mortgage. We were saving money. Overall, I had a fabulous experience and I totally recommend it.

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    Reviewed April 19, 2018

    We were debating on whether we’re going to sell our house or stay in the house and then we were going to stay with the refinance. We ended to refinance with AmeriSave. The process with them was simple and it went smooth.They called and we talked for a bit and then we decided to go with them. The process, from beginning to end, took a couple of weeks. It was quick, which was one of the reasons that I was glad we went with them rather than our bank. The process is six to eight weeks through the bank, compared with two weeks with them. So it was way easier. I dealt with Brandon, the loan officer, and then I worked with a gal towards the end. They were responsive and it wasn’t like a pressure self to use them.

    I spoke with Brandon opting on to the process. They were kind of an online service but they had a local office here in Denver so it was easy to get a hold of him. And anytime I would email he would get back with me within the day. I own my business so I’m really busy. Thankfully he got back to me quickly so I could get things taken care of as soon as they happened. He did a great job and it worked really well. I'm very pleased with the whole process. It was painless and it was pretty cut and dry. I was happy with the process and it was a good experience.

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    Reviewed April 18, 2018

    This was the most straightforward, smoothest refinance I have ever been a part of. From the beginning of the process with Matthew **, Loan Originator to the finishing touches by Stephen **, Processor, these two were the best. If there was a problem, they gave very clear instructions about what needed to be done. If I had a question, one or both of them was very prompt in their reply. I can not say enough good things about them both! Best process I have ever been a part of, thank you!

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    Customer ServiceStaffLoan Process

    Reviewed April 18, 2018

    Amerisave Mortgage was the first to respond, and they were extremely professional and very efficient. The process was almost all online until the very end when I had to have a notary come. Even then, they arranged it that they would come to my office so I didn’t have to miss any work. It took about a month 'cause there was a little hitch with my homeowners’ insurance, but it wasn’t their fault. If I emailed or called, it was always an immediate response. Overall, it was a very positive experience. It was all excellent and I was quite surprised.

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    Reviewed April 18, 2018

    I needed to refinance my mortgage and AmeriSave provided the best offer at the time. So, I went with them and my interaction with their customer service reps were very good. Their responsiveness, instruction, help, and guidance were very good as well. The only thing that was a pain on the back was dealing with the underwriter and some activities in my bank account that was superfluous to the discussion when there was more than five times the amount of money in it. There was a transaction that occurred that they wouldn't let go of so it delayed the process unnecessarily.

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    Reviewed April 17, 2018

    The professional and prompt response(s) of Leon ** & Nichole **. They have really helped me understand the process (since it was my 1st time) and were always willing to help me. Plus, they are both very conscientious of the tight timeframe and literally kept me on schedule until closing. I'd recommend them for a promotion if I could.

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    Reviewed April 17, 2018

    We have a 15-year refinancing with Amerisave Mortgage. Compared to other companies, they had better rates. But what caught our attention, more than anything, was I was able to access my application at any time. I could scan and upload all my documents to my account. And it was like I was communicating with them at any time of the day. The process was very quick which took 11 days.

    Allen and Michael were the two persons who I dealt with and they did a great job. They were very knowledgeable. Allen called me even though he has a family. He went out of his way when we needed to get informed of the loan process and for us to understand certain things. I put him on speaker and we were getting a little meeting. Any question that we threw at him, he was able to come back and give us an answer. He literally explained in detail the process and you couldn’t go wrong. If I had more questions, I would just shoot him an email and whenever he got it and he had the moment to answer back, he did. That was how accurate they were.

    The stress that I had in trying to get information from other lenders went from high to none. It was like I was doing my own loan. When I started looking for a loan, it was like Friday then Saturday will come around and then Sunday. And these people would not call me and I couldn’t lock a rate. So, I went with Amerisave. Amerisave went through the whole process. We were searching the market and watching the interest every day because it was still volatile. They explained that if I felt that I have found what I wanted, I could lock it and that was what we did. I have nothing to complain about.

    Amerisave is definitely the company that I’m sending all my family members. Four or five different members of my family were looking to refinance. And I told them to look nowhere else and go to Amerisave. The experience I had was awesome. It was a great process that they have going on. A lot of lenders should do that because they are competing for rates. But obviously, if they are out on a Sunday with their families and they don’t think that it is important or they don't want to waste any time thinking that someone is not going to lock a rate with them, they're wrong. Amerisave, on the other hand, went out their way. It was Saturday and Sunday and they would answer. They are the people you want to work with.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessTransparency

    Reviewed April 17, 2018

    We were refinancing an investment property and we started by searching online for a few offers. We went to Bank of America because we had just purchased a home and done a mortgage through them. We also went to Unionbank because they currently hold the mortgage that we were refinancing. And then we were contacted by Jason of AmeriSave and he told us they would be able to give us the best deal. They said they would pay $1000 if we found someone who could do better. We were contacted by another company whose representative was also named Jason. It was on a Thursday and we were moving forward. And by the following Wednesday, we had offers and all the information from Jason in AmeriSave that we were able to share with B of A and the other mortgage lenders.

    We told Jason upfront that we were gonna be sharing the information because we wanted to see if he really could make us the best offer. The other banks said it was a good offer and they made counteroffers. Jason adjusted his and he was still able to be the best. Once we decided it looks good, we clarified that we were actually walking in a rate for a program so that we could still move a little bit. He explained that if we went, for example, with the 30-year fixed, then there'd be a range of options so we could do a 4.75% and a 4.5% depending on what the information was that we had at that day so we still had a little bit of flexibility. We went ahead and locked in the rate that we thought was gonna work for us. We had just done a purchase so we had a lot of our documentation, and we told them we'd be an easy client. We were uploading everything as quickly as possible.

    We had one minor issue with some documents not uploading correctly into the website but Jason helped us. We called them and he helped us and walked us through that. It was just a button not labeled very clearly. After that, it was pretty straightforward. Their team got it done super fast and it was done in less than 30 days. We were definitely happy. We went with 4.875% and we knew that rates were gonna go up and ours was adjustable that had been changing for about seven years at that point, so it would have gone up to 5% or higher at the end of September when it changed again. My overall experience was good and I would definitely recommend them. AmeriSave is a reputable online company. They provide the information and they're supportive but they're not gonna oversell it.

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    Reviewed April 16, 2018

    Computers were for programming only during my college years and my knowledge is limited but you have taken away the intimidation I initially felt doing most of this online. Everyone stayed on top of everything, explaining and answering all my questions and assisting me every step of the way always in a friendly and professional manner. I do have to say I was caught off guard at how swift and expedient (to my pleasure) you made this happen. Thank you. Would highly recommend this company to anyone looking to take out or remortgage.

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    Reviewed April 16, 2018

    My wife checked a whole bunch of companies and they didn't want to do the refinance because I have farmland so we went with Amerisave and ended up with a 30-year loan program. I was shocked that the application process went smooth and good. It went quick and took no more than 30 days. We started with one guy and then when it got to the final stage then we worked with another person and then another person came out. We signed the papers and all that but we dealt with one guy. I was also really happy with their response time. When we called and they were busy, they usually get back that day. In terms of the rates and terms of the mortgage, everything's fine. I wish we would’ve done it sooner but interest-wise, they are very competitive so I was pleased with it. If someone asks me about them, I would tell them to use them.

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    Reviewed April 15, 2018

    I was happy with how the process went. I contacted the associate from Amerisave when I decided once I got the house. So it didn’t take the loan to get pre-approved and they just tagged the application. Then it took between 30-45 days for the application and the underwriting to be completed. I understand that it goes through a lot of processes so I feel like that’s the right amount of days for the mortgage to get through. The rep I had was very helpful and she guided me through all the process. I felt very comfortable with her. I was happy doing business with Amerisave.

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    Reviewed April 15, 2018

    I was buying a house so I went to LendingTree. Six people reached out to me but AmeriSave was the first to contact me. The rep who I spoke with was great so I just kept her and ended up dealing with AmeriSave. The rep Lauren was also very professional, personable, informative and helpful. She has all the things that require what her job is and took care of everything. I was happy with her and felt very comfortable working with her.

    The application process was fine too, although they wanted a lot of information and it was very detailed which was kind of frustrating. But they were very prompt in returning my calls and they answered any question I had, so that was very good. I was happy with their rate and terms as well. AmeriSave also went above and beyond that was what I thought that was needed. I had a great experience with them and would recommend them to my friends. I would just warn them that there’s gonna be a lot of information they’re gonna need.

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    Online & AppStaffLoan ProcessRates

    Reviewed April 14, 2018

    We were moving and we needed a new home so I did some research online for mortgage companies. AmeriSave had fantastic reviews and so I decided to take a look at their rates. I was happy with what I saw and took them. We got the conventional 30-year fixed loan and we were happy with our rate. We went through their simple online application, provided all the requested documentation, and after that, it was seamless. We were very happy with the process.

    We started the application in December and we closed in February, but a lot of that was us still shopping for a home. AmeriSave closed our home in less than 30 days, so we were extremely pleased. Our rep was terrific from underwriting and also the loan originator was fantastic. And we felt like whatever we needed information-wise was provided to us right away. We really like their interface online as well because, at any point in time, we can go in and see where our loan was in the process, what documents were missing or needed to be updated. It really streamlined everything. We were extremely pleased with how expeditious everything was.

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    Reviewed April 13, 2018

    We had gotten a little high on our credit cards again and wanted to hit the reset button. I worked with Amerisave Mortgage on a previous refinance and I was very happy with them. This is my second go with them and still very happy with them. I still have Wes' phone number, the loan originator. So, I just called him up and said, “Hey, I need to do this” because I just refinanced a little over a year before. And I was pretty much just like, “Hey, I need to do this again.” And he was like, “Okay. No big deal.” It’s easier than it was the time before because, evidently, he had so much of my information. The person I interacted talks to me like I’m his friend, gives me advice like he’s my friend. The opposite would be a company man that just tried to push the product that was best for the company on me and he’s not like that.

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    Reviewed April 13, 2018

    We were consolidating our debts and we were very pleased with the way AmeriSave Mortgage presented themselves and it seemed that they had the best terms and rate of refinance. Everything was automatic and done electronically so it was very convenient. The interactions I had with their rep were also excellent. Everything they said they performed and they did it in a very professional manner. Everything they told me came exactly true and there were no surprises. Also, they were forthright and easy to talk to. Also, the application and the underwriting process was completed in less than a month. It was very fast. It was as pleasant an experience as I could have.

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    Reviewed April 12, 2018

    Ryan and Rebecca are great! Ryan was so friendly and made the application process easy. He answered emails during off hours, which I greatly appreciated. Rebecca also made the processing easy. Both of them made me feel as if they are partners with me throughout the process.

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    Reviewed April 12, 2018

    We had an equity line and with the change in tax law, we needed to refinance, so we went out there to shop. The young man from AmeriSave who called us back was good. We actually knew that young man as he financed several members of my wife’s family, so it was a good connection. I had to find a lot of tax and bank information, so the process of the refinance was nothing out of the ordinary. Although we had to give the rental agent more information to do our refinance, it was an easy process that I had to get through.

    Their rate was exactly what we wanted. And the rate was probably as good as it is out there. We had the 7/30 loan, and that’s gonna fit our needs far out. Their reps were very efficient, and they didn’t waste my time and were very straightforward. So, it was a very positive experience. And I've already recommended AmeriSave.

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    Reviewed April 11, 2018

    I picked a lender for refinancing a home equity loan but they gave me the runaround, changing the rates after a bit, so I googled AmeriSave and tried them. They were much better and straightforward. The loan process went really well and only took about two weeks. I talked to a guy first and then Rebecca, the one who handled my questions, and they were both great. The appraiser came in a day and everything went great. They gave me $3,375 which was really good but the problem was they had like $6,400 in settlement costs. And they said they ran some software that said that that was too much. I wouldn’t recoup my extra fees in time.

    I realized after looking at the links that the government actually says, “No. You can’t charge them that much.” So companies lower their settlement costs and raise their fee. But AmeriSave didn’t do that. I only got close to $3,600 but at least it was honest the whole way through. Settling costs weren’t small. They were still $4,400 when you count everything together, but at least I didn’t get any runaround. The only thing I would have liked was an even lower settlement cost. I did a lot of shopping and comparison among different lenders including my local bank for even lower settlement costs and that was about the best I could do.

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    Reviewed April 11, 2018

    We were buying a new house and so we looked for someone to finance it. We did some research online and did some price comparisons. AmeriSave seemed to be very competitive and so I got a business. I went with an 80-20 loan with AmeriSave. They did a good job and I have no complaints about it. I did the application. They took most of the information over the phone so that was nice. They had a representative that worked with us all throughout the process so we were very happy. However, everything took us a little longer because we ran into a hitch. That was probably about three weeks. The sellers were not able to get us a road maintenance agreement so we had to work around that. But AmeriSave was good to work with and we worked through the situation with them. We’re happy with it.

    We had that person I originally talked to and he helped us with getting the process started. We also worked with another loan specialist, and then a closing specialist. There were three people we worked with and all of them were very professional and we were very satisfied with the way that they did our business. They called us and they’re very receptive. We emailed them and they always were quick to return our emails and our phone calls. They were on our side through the process so it worked out well.

    I worked with another company and AmeriSave not only had a good talk but they had a good product as well. That was what we were looking for. They also had that to back up the good talk that they had. Also, we ended up receiving a very fair rate. And the time we actually jumped in was the time where rates were going up so we were glad to get in there before the rates went up too much and we felt that was a competitive rate. AmeriSave is a good company to deal with and I’d recommend them to others.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed April 10, 2018

    I was doing a refinance and the online application of AmeriSave was very easy. The agent called and I talked to him. People in AmeriSave are very responsive and quick in acting. I also managed a credit union and it was just an easy online experience just about anybody could handle. Also, the rate was fine. It was comparable to what else was offered. The process took no more than two weeks and I have even referred three people to AmeriSave. People that I worked with there were very friendly, courteous and they knew what they were doing. Everything went smoothly and it was quicker than a lot. Overall, it was a pleasant experience.

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    Reviewed April 9, 2018

    I requested online for a mortgage and people from AmeriSave called. The online application process was very easy and very straightforward. I enjoyed working with the two gentlemen from AmeriSave and it was very professional. They were very nice, very polite and offered me a good deal. They were also very easy to work with. They knew what to do and I had a good time. Whatever they asked me, I got everything right away. It was a very good communication and everything was right in plain English so that I could understand. But so far, I don’t have a payment book. I wanted to do online payments, but I don’t have any requisites. Also, if I could get a lower rate, it would be great, but this rate was only available at this time. But other than that, AmeriSave did a great job and I was very happy with them. I had very positive experience and I don't regret a bit that I did this.

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    Online & AppStaffLoan ProcessRates

    Reviewed April 8, 2018

    I did a refinance with AmeriSave considering the lower rate and supposed smooth process. The application was easy but the process got complicated and more complicated. I followed through but I was very close to not doing so because every other minute they needed a different piece of documentation. They should have been honest upfront that there’s going to be a lot of work involved with it and not advertise that it’s going to be the easiest thing in the world; or they could do away with some of the documentation and make the process easier. Also they need to update their website where they do the process through. I was able open it in some systems and then when I click something, it disappeared. So, in the end, the guy just started emailing me the documentation as opposed to using their website. Still, everybody I dealt with was friendly and easy to work with. The rate and terms I got were good as well.

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    Reviewed April 8, 2018

    AmeriSave gave me a great deal when I was looking for a mortgage to lock into a fixed rate. Their customer service was great. AmeriSave is fine although I'm still struggling as the loan gets transferred. It's a little rocky, but hopefully, we'll get it together.

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    Reviewed April 7, 2018

    I got a refinance and went with AmeriSave since they don't charge any fees. The process was fine and they were fast. However, since they wanna send a bunch of stuff through email, they should let me know that first because I'm not a person that messes with my email. I'd rather have a phone call than an email because I don't check my emails. A lot of my email from them went into junk and so I had a terrible time finding it. I also thought the rates were a little high, but they were the same as the other person I was dealing with before, so it was fine.

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    Customer ServiceOnline & AppStaffLoan Process

    Reviewed April 7, 2018

    I was looking for a refi at that time and AmeriSave called me. I liked the conversation that I had with the agent, which was kind of assuring, so I went with them. Their online application process was very good and the whole process took a few weeks. Two of the representatives were there and both were professional and were good. The initial gentleman was Anthony and the loan processor was Kelly. My experience with AmeriSave Mortgage was good. In fact, I just spoke with the same agent yesterday and he made an application for me in buying a new house so I’m still working with AmeriSave. This is my second deal supposedly and we shall see.

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    Customer ServicePunctuality & SpeedOnline & AppStaffEase of UseLoan ProcessRates

    Reviewed April 6, 2018

    I wanted to refinance and was referred to Amerisave Mortgage by a friend. Once I got into the process with AmeriSave, it was really easy and worked great, so I just went forth with them. The online application process was really good and streamlined. The dashboard was really easy to use. It figured out what I needed and what they needed. It was a good platform. I was on top of everything and gave all the information quickly. Within a week we were almost done with the process of getting the escrow. I went with a cash-out refinance. It was a 30-year fixed standard loan and their rates were competitive.

    I had a really good interaction with everybody that I dealt with, whether it was via email or phone call. They were responsive. They were in a different time zone, so if they didn’t get back to me in the afternoon or if I was doing something in the afternoon, it won't be until the next morning before I even looked at my email. However, after I started the process, I still received another email or two from Amerisave trying to get me to apply for a loan. Nevertheless, I would tell others to give AmeriSave a shot.

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed April 6, 2018

    I was with Wells Fargo and their rates were high. We called them first and they felt like they were rushing things too much. We googled online and I remember seeing TV ads on Lending Tree. I put my name in there and then had a dozen calls. AmeriSave was the kindest and they were patient. They made sure that every one of our questions was answered. They weren’t rushing through anything. I checked out a couple of the other ones and I felt rushed. They also weren’t trying to look out for me. And as far as rates and the years, it seemed like they were looking out for them more than us. But Amerisave won overall.

    I went with a 15-year HARP loan with AmeriSave. It was the first refinance we’ve ever done. The online process was really nice. I’ve looked at what the other ones had and they were not as good. It was nice that AmeriSave could do everything through PDF online and sign online. The application and underwriting process took only a few days. I worked with Kelly and he made sure that everything was in our best interest and not his. Even when he went home, he keeps an eye on his email. I actually emailed him after hours and he responded. He called me back in his own time which was pretty cool. AmeriSave's rate and the terms of the mortgage were good. Nobody could beat them.

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    Reviewed April 5, 2018

    AmeriSave Mortgage's terms were extremely reasonable. I had read the negative reviews that they had online but they offered me the lowest rate that didn't exist at that time. With everywhere else I had to buy down points but I didn't have to do that with AmeriSave. My loan origination person was really great, really accommodating, very good on the communication part and he was awesome too. Everyone there really treated me with respect.

    However, they wanna sit down and look at all this money that I had in my account for down payment purposes too much. That part was extremely excruciatingly annoying. Also, communication wasn't clear. They said that I needed to have $7,700 for down payment and then it was $9,800 I had to have. I felt like it was a really jerking around process. I tried to plan time to move and take off from work for a week to find out two days before closing that they didn't have all the information down or whatever that they needed. And then, we close seven days late. It wasn't really a precise process. Also, I feel like you're talking to two or three people there at the same time. It seemed like one person didn't know the other person's doing. It was too confusing.

    It sounds like it's a leadership issue from above. And the way that they processed items, it seemed that there wasn't any clear set of systems, processes and procedures. If they could just streamline the whole process and be more accurate with what they need as down payment. But, the one thing I do like about them is what they advertise to me is what they delivered. It was a painful process but at the end of the day, the payment is what they said it would be, which is way better than any of their competitors. I will I absolutely do business with them again. It was late, but I got what I wanted and that's what's important when you're buying a house.

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    Reviewed April 4, 2018

    What a nightmare. We own several properties and have NEVER had a worse experience as we are having with this lender. They are so difficult to deal with. Getting our rate lock was easy, and then it's been downhill from there. They want information that NO OTHER LENDER wants, and then they want explanations for it! They blame it on Fannie Mae but our realtor and our investigation confirmed that they are lying. Unless they improve their ways, we will never use them again. NOTE: Upon seeing this review, I was contacted immediately. If things are resolved quickly, I will circle back and update my review and rating. Fingers crossed!

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    Customer ServiceOnline & AppStaffLoan ProcessRates

    Reviewed April 2, 2018

    AmeriSave's online application process was simple, extremely thorough and helpful to walk through. It also took only 15 to 20 minutes to complete. We've moved to eight different houses and this is the first time I've refinanced but it was the smoothest mortgage finance experience I've ever had. I wanted to pay as little as possible or not pay at all in closing and they had some of the best offers in that regard. I knew rates were going to be going up and I wanted to get in before that actually hurt, and their rates were simply competitive combined with the offset of the closing cost. That's why I chose them.

    AmeriSave constantly updated me on what the process was, what additional data was needed from me, and were extremely responsive. Like on Sunday afternoons, they would email me back, so there was no date or time where they didn't get back to me. They were great and I felt completely comfortable working with them.

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    Reviewed March 31, 2018

    I wanted to remove my 20 percent mortgage insurance to get free 20 percent because I did minimum three percent deposit. So, with two days monthly, Amerisave Mortgage told me I’m going to get the mortgage insurance free. The process of obtaining my mortgage was really good and very simple. I signed up and did the application process online. They gave me what information I needed and I sent it out through email. The application and the underwriting process took three weeks to one month. I started on the first of January and I closed by February 4 or 5. The Amerisave Mortgage lending processor was helpful and knowledgeable and she explained the advantage and the disadvantage. The rate and terms of the mortgage are a bit high, but it’s not bad because when I compared to the advantage of the carrier, it’s not too much higher. The interest is going down, so that way, I’m benefited.

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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