AmeriSave Mortgage Reviews
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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- 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
- 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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Reviewed Feb. 16, 2018
I had a friend who used AmeriSave and recommended them. I refinanced with them because I got a better rate with them than my previously existing mortgage. I started in November time frame and then we finally closed on the second of February. Mine was probably more complicated than the average refinance ‘cause they had to check on a few things because of some other properties that I own. So I had to gather some information from them. I did all of it online.
The most complicated part of the process was they had to keep digging in to try to find some info on the complexity of the other properties that I own. I co-own with somebody that they needed to verify. That might have been the most detailed and repetitive thing that I had to do. I worked with the original person that I spoke to when I first called them. And then my loan was handed over to someone else. I think I’ve dealt with a total of three people. I felt comfortable with them. The first one whom I spoke to was really good about following up with me on things. By the time the second person took over, most of it was already done. She was having to gather more info to investigate. Jeff was very helpful and proactive about checking in with me. This is probably the fifth mortgage or even more that I’ve done and I don’t think I had too many questions but whenever I had questions, they were helpful. I certainly would recommend them.
Reviewed Feb. 16, 2018
I went on lendingtree.com or one of those 'get yourself a loan and have all these brokers did for you' type of thing. I was looking to refinance my house. I chose AmeriSave Mortgage over other lending providers because of the loan officer. He was very professional and patient. The initial man that I spoke to that took all of my information was very patient and that started it off. He obtained all the necessary documents and that gentleman was just as professional and just as informative and patient and helpful. So whenever we came in to something where he wanted more information about something, it didn’t seem like an annoyance because he was so nice about asking for the information and helpful. It’s really about the personal relationship, and not about the company.
The whole application and underwriting process took a little over 30 days, but I asked for the closing to be pushed back. I wanted it to be towards the end of a month so I could pay less on interest or pro-rated interest and they were ready to go sooner than I was. I’m happy and my rate was reduced by over 2%. I was in a jumbo and I went down to a conforming loan, but I was very close in terms of almost being at whatever the amount is that you’re able to convert into a conforming loan. I only had to come up with a few thousand dollars and the gentleman had pointed out.
Reviewed Feb. 16, 2018
I looked into a mortgage when we had a new home purchase. I went with Amerisave because of their interest rate -- it was the lowest I could get with them. I went with a 30 year FHA. In obtaining the mortgage, I just uploaded all the documents and followed up with the loan officer. Then it was transferred over to the loan processor and it was underwritten pretty quickly. The only hang up we had was that there was a documentation that was needed the week before closing after we were approved but that got cleared up within a few days. So, other than that, it was just an easy process. The whole process took a month, from January 8th to February 8th.
However, the website where you go and see the status of your loan was not updated as it should have been. So, the only way that I was able to find out the status of the loan was through the loan processor. Nevertheless, my interaction with their staff was all positive. They were friendly, and they returned calls. They were very easy to deal with. Further, I was more impressed with the honesty. I applied with other lenders and there wasn't a whole lot of honesty as far as the cash closing. Everything was exactly as the loan processor and loan officer told me it would be from the beginning. Working with them was very comfortable. I got a very good rate and very good terms. I'm very pleased with it. I would use them again to purchase another home in the future or refinance. That's why I would recommend.
Reviewed Feb. 16, 2018
I went through LendingTree and AmeriSave was the first one that called. Their rates were a bit lower compared to the other one that I looked at so I went with them and I got a 15-year refinance from them. The process took about three weeks, just the same thing you have to go through with every mortgage, but most of it was done online until we had to actually sign the paperwork with a notary and the notary came by here. Their reps answered all of our questions, mostly through email which I get in the evening because that’s when I’m home from work. However, their rate was a little higher than I’d hoped because it had gone up since then. Nonetheless, my experience with AmeriSave has been fine.
Reviewed Feb. 15, 2018
I got refinancing through AmeriSave Mortgage. Their application process was simple, easy and quick. Their reps, Clayton and Ryan, were both very responsive to my request for information and they would call, text me or email me. However, there were a couple typos on some of the paperwork such as the original purchase price of the house. But other than that, everything went very well.
Ryan tried to connect with me. He feels the connection because he was familiar with the area here where I live and he was excited about that. When I told him that I’ve already been approved by a couple of different company, I was ready to move forward. When he found out who he was competing against, he told me to give him a shot and that I'd be totally blown away. He was very engaging and very excited about the opportunity. Their rates were very competitive. They were as good or better than everyone that I have looked at. I’ve mentioned AmeriSave to a couple of people and I told them to get a hold of the folks in AmeriSave.
Reviewed Feb. 15, 2018
I refinanced my house with AmeriSave and it was easy and convenient. Informationwise it was clear and straightforward. When I called they immediately told me exactly what the options were and how they were going to work with it. They told me that it could be done in a different way. So it was a nice, simple and at the same time pretty complete process. They walked me pretty much through everything over the phone. Then they send me an email where I have to put the agreement and I feel secure through their website.
The process was quick and the representatives were nice. They had a good attitude. You can tell that they were always willing to help which is what we were looking for. And what impressed me was that they knew pretty much what they were doing and what they were talking about. I feel secure about everything. I think they’re going at the right direction the way they do things. The rate was on point but not the lowest but I think it was fair. AmeriSave did a very good job and their process is neat.
Reviewed Feb. 15, 2018
My credit was destroyed by my ex-wife but AmeriSave accepted it so I went with them for a conventional mortgage. We would email each other what they requested and if I had any questions they would get back to me within a half hour via email. In our phone conversation, they were very polite as well. I had to do the original application and send them documentation that they requested. They sent me disclosures which had to be done and they notified me when they requested other documentation from me. I met with the appraiser and got the reports.
The process wasn’t too bad. There was numerous pages but if you’re going for a mortgage you can expect that. I also had the pre-approval right away with the application. But tor the underwriting, they wanted a commitment letter weeks before the closing and it seemed like they got the approval and commitment letter a week before.
However, I did the application with Ken and then he passed it off to Matt. But some of the things that were sent to Ken, which were on his email, weren’t shared to Matt. Matt had to go retrieve them from him. If there was just one person involved it would’ve been a lot better and there would be better communication. Also, they were getting five different disclosures and maybe they should limit that. You have to download to let them know that you got it but we were closing disclosure and it was like four days ahead of time. Those things aside, they worked with me to get the mortgage approved. The rates were decent and overall, AmeriSave was good. I even steered someone towards AmeriSave to help him.
Reviewed Feb. 15, 2018
When I went to LendingTree, they gave me several choices. I liked the rates that I saw with AmeriSave and went for their 10-year fixed loan program. The whole thing took around three weeks. There were two ladies I talked to, Mary and Megan, and they were responsive and helpful with all of my questions. My only issue was the title company didn’t do a very good deep search and I had to do my own legwork. They pulled up old records of whose names were on the title, which weren't correct. Other than that, I'd recommend AmeriSave.
Reviewed Feb. 14, 2018
I wanted to refinance and AmeriSave had the best prices and the highest rate. I filed an application online, I got a response and I followed their direction. The process was excellent, very convenient and extremely streamline. The underwriting took a week and a half at the most. I spoke with two reps and one of them was Ian. We discussed what we did and I felt very comfortable working with them.
The only part that I didn't like was the rate changed a little because of the circumstances. I was a little taken aback by it because I was first led to believe there was only one rate. But when they found out it was a second home, the rate changed. But it was still better than the other places. AmeriSave is the most efficient there is and people should use them. Other companies are too cumbersome and time-consuming.
Reviewed Feb. 14, 2018
I wanted to refinance our house because I wanted a lower rate, and I was impressed with the loan officer from AmeriSave that called me. He put us at ease and we felt comfortable with him. He had us fill out an application over the internet. He set up an account, I filled out the application and he got initial credit approval that we qualified, credit-wise. He sat on the phone and walked us through it. That was January 12th and we closed on February 2nd, which seemed pretty quick. It was a thorough process, like it should be.
Once we were approved, another rep took over and told us all the forms that were required, and he worked with the underwriter. And then offhand, if I had any questions, I could still give the loan officer a call or email. It was very professional. They were courteous, always thoughtful and they weren’t patronizing us. Our situation was a little complicated because I don’t get typical pay stubs. As a pastor, part of my pay is designated as housing allowance. It's not taxable and so that was confusing. I had to show that I used it, plus they wanted proof that the church would continue that relationship. AmeriSave was excellent overall. I've had houses for 40 years and this is the best I've ever felt dealing with a loan company.
Reviewed Feb. 14, 2018
I was buying a house, so I put my info on LendingTree, and different people started calling me at the same time, and that was overwhelming. So, from a LendingTree perspective, that was too much. But, Amerisave was very good. The agent was really nice and knowledgeable on the phone, and I was confident that they would have the best price. The initial dude was great, and the lady who took over was pretty good as well. So, it went well.
Reviewed Feb. 13, 2018
From the beginning, Amerisave was very accommodating and very helpful as we were looking at options on where to get the mortgage. My mother-in-law, I think, has her mortgage through them. And she also lives on the same area where I got my house. So she’s like, “Try Amerisave.” And after speaking to Jeremy or Jacob from Amerisave, we didn’t look any further for another mortgage company. We only work with Jeremy and Jacob, and they were very, very prompt on their response. They walked us through the process and followed up with us when they’re supposed to until to the last day when the day we’re closing to see if we needed anything else. Every day we talk and email them. They alerted us in what document that we need to submit and extra documents for the compliance requirements. They really worked hard.
We were very comfortable working with them and they're true to their word that it’s going to be done this way. We went for a 30-year fixed, I think. We’re buying it for our future, hopefully, retirement house, maybe in 10 to 15 years. But we’re using it now as for investment purposes. They did a credit report and we sent them copies of our investment statement. And everything happened so quickly. We got it processed in a matter of three weeks. Everything was done online which is what we like. I already own two other houses and this is the quickest one that I’ve closed in three weeks. I don’t think I’d change it.
It's just there was another requirement needed from us for the compliance and we were curious why they needed it. Also, I still feel the mortgage interest rate is rising. I still thought I could have gotten a smaller rate. But who knows, maybe we’ll refi in a couple of years. I’ll recommend Amerisave to people that I know that’s looking for a mortgage.
Rosalina, tell your mother-in-law we said thanks for recommending us, and thank you for the review! We look forward to working with you in the future.
Reviewed Feb. 13, 2018
I was refinancing for a better rate and AmeriSave's cost was less, much better than what I had. So, I got a 30-year fixed loan program with them. Their online application process was simple and easy. I was able to speak with their rep, Zachary, and he's a man of his word. He did what he said he was going to do, took care of everything and he made it all work. So far, everything went smoothly and I'd tell others to give AmeriSave a shot.
Reviewed Feb. 13, 2018
Amerisave Mortgage is pretty good. They were the first one who responded to my request and to my every inquiry. I went with them for a 10 years fixed home mortgage. The online application process was good. They obtain a lot of information from me like employment history, my income, my saving and also my tax return. Application and underwriting took less than 10 days. Customer service is very good and they are responsive to email and also the telephone. The staff are very polite, knowledgeable, and are very comfortable wot work with. I'm satisfied with the rates and terms given to me. However, they don't have the option for online payment, of which they can improve on. Still, They are very helpful, and I have recommended another person to them and then my friend also got the refinance successfully.
Reviewed Feb. 13, 2018
I was looking for someone to refinance with since I was wanting to get money to cut back in my home and I went to LendingTree and I loved AmeriSave. The deal as they were giving me as far as their rate and their website was great. They were absolutely the best customer service I’ve ever dealt with. It goes beyond the mortgages. It was very easy for me to get the mortgage, it only took 14 days. Michael was one of the best and I’ve done several mortgages in my life. He’s the best person I’ve ever worked with and the interaction was fantastic. I wouldn’t hesitate to use Amerisave again or tell our friends.
Reviewed Feb. 12, 2018
We did an online search for mortgage companies and AmeriSave was one of the first ones to call and they just sold us on it. It was a lengthy process as expected but the two representatives were very thorough in explaining everything step by step so it made it easy for us to go ahead and process the application and actually obtaining the loan. The people we worked with were very respectful and professional and I would 100% recommend them.
Reviewed Feb. 12, 2018
AmeriSave called me and I liked the guy that I spoke with. He was knowledgeable, very friendly and he explained things well. After we filled out the application for a refinance then we got things through an online website, we had to send back papers and things that they wanted. We mostly communicated through email and I e-signed things online. The online process was very convenient.
AmeriSave then gave me to another woman who was very friendly and sweet. They answered all my questions and they’re very good at that. I was impressed with the fact that they were willing to take time in answering them. They weren’t in a hurry and were very accommodating. I was totally comfortable with them and they were too kind to me. At the end, they sent a lady down here to the house who did the notary and we signed the papers. The whole process, from the application to the underwriting, took 30 days or so and it went very smoothly. It was quick and easy. They also had a very competitive rate.
Reviewed Feb. 12, 2018
AmeriSave is a great company. They had no closing cost and I refinanced with them. I filled out the application and process was simple and streamlined. Timothy was the loan officer I spoke to. He was very friendly, professional and easy to talk to. The whole process was very impressive. Everything was very simple, fast and efficient so I was very happy. The underwriting took only three weeks and the rates were pretty good. This is my second refinance with AmeriSave. If rates change again, I’d do it again. I referred other people to them and others should try them too.
Reviewed Feb. 11, 2018
It has been a great experience. The Amerisave guy stayed until 9 o'clock at night his time and kept me on the phone until I said I won't shop anywhere else. When a hiccup happened, I went back to that salesperson and he said he'd look into it and would take care of it. It's very hard to find somebody who sells well enough to not say, "This is not my job anymore." They would listen to you and wouldn't disregard you. Everybody was very professional and did a great job. I would highly recommend them.
What people do not realize when they say that they were terrible is that consumers drag stuff out of these people. When a representative asks for something, you better have it within 24 hours. Otherwise, how are they supposed to do their job? I was very Johnny-on-the-spot. I had everything already PDF. Even on difficult situations, I still came up with the stuff. Probably within the longest was 12 hours. It's very important that if a consumer is going to rate somebody, you need to have your stuff together. It will help out a lot of companies.
Reviewed Feb. 11, 2018
We needed to refinance and I reached out to Lending Tree. AmeriSave was the first call and the guy that talked to me was very nice. He answered all my questions and he had some good ideas. The application was a little longer than normal because we had real estate investments and they wanted information on that, but they did well. Everything was clear and positive both over the phone and through email, and they worked to get things done.
The reps were very responsive and very polite. They had to follow up a couple of times but everything went well and we felt comfortable with them. Johan thought outside the box and said that maybe if we refinanced in my husband's name alone, it would get us a better rate. I thought that was good because for whatever reason, my credit score is lower than my husband's. So, that worked out and I was glad that Johan thought of that. I was happy with their rate. We looked at refinancing with Quicken Loans who we were with before and they couldn’t produce anything competitive like Amerisave did.
Reviewed Feb. 11, 2018
I shopped around and AmeriSave had the best offer for my needs. The reps were very professional. Dan was my main point of contact and he was very helpful. We went with a 20-year fixed program with a cash pay-out, and the process went smooth from start to finish. I would definitely recommend them.
Reviewed Feb. 11, 2018
I heard Amerisave was very convenient to do. I applied for a loan, a conventional one, to bring down the rate and during the process of obtaining it, everything has a mind on its own and it was quick and easy. The online process was very nice. It took five minutes to complete and the representatives were wonderful. They gave me a general advice. I'm very satisfied and I would tell a friend to go ahead and deal with them.
Thanks for the review, Sukhminder! We appreciate your business.
Reviewed Feb. 10, 2018
I did a refinance with Amerisave Mortgage and my experience is summed up in the word "awesome". I got so many quotes after I reached out to one of those online things, of which I wish more organizations or somebody would put some time and thought into making them user friendly. Amerisave and Loan Depot were the first two that popped up. I talked to both of them and I didn't have the same confidence after getting off the phone with Loan Depot as I did with Amerisave. I also went back to my own lender and they told me that they couldn't do any better. I didn't wait for responses and I went with Amerisave for a 30-year fixed loan program.
I gave Amerisave my pertinent information, Social Security number and some other information of other property. Within a couple of hours, the representative came back and told me what they could offer based on who I am, my credit score, and all of the stuff. Then she sent me a list of things and I began sending them all. They were surprised at how fast I responded to them during the process and their representative commented that she wishes all of their customers would send the request documents that quickly so they'd do a lot more loans.
I'm on the West Coast and they're on the East Coast, and I would send them an email even as late in the day as 2:30 then I would get a response from them within minutes. I get that I'm not the only customer but that was probably one of the most impressive things. They were very professional and I was very comfortable working with them. Also, towards the end of the process, we were out of town when we needed to sign and they came to us. They told us to find a location that we were comfortable with and they had the notary meet us there.
Amerisave has a very methodical, well executed plan and they kept me informed every step of the way, which is something that I really appreciated. Their process was phenomenal and it took less than 30 days. I've bought, sold, and refinanced a lot of properties and this is by far the best experience I've ever had. Even one of my very good previous lenders, New American Funding, wouldn't hold a candle to Amerisave. I would always love a better rate but based on the information I got, my rate was very fair. The terms were good and their cost was probably half of what most of my past estimates were. I liked my experience with Amerisave so much that I referred my son and his wife who are in the process of buying a house right now. They had a lender who they were working with and I told them to get a second estimate, and now they're going with Amerisave.
Reviewed Feb. 10, 2018
We refinanced with Amerisave Mortgage and got some new mortgages on some of our income properties. We applied online and the process was fine. However, it seemed they were pretty slow. It took quite a while since we did four properties. And then one of the first processors got replaced, so we had to resend the lost paperwork. But their team was good and very prompt to respond. Colton, their rep, did a terrific job. The rates were good and I was pleased with what we got. Amerisave was on top of everything. We’d recommend them.
Reviewed Feb. 10, 2018
I decided to look into a mortgage for our second home. I went to my normal bank and saw what they could do for me. And then, I played hockey with one of AmeriSave's loan people. I asked him to see what he could do for me, too. I knew I was going to get a straight answer from somebody I knew so I picked AmeriSave and everything went well. I could upload and do all of my stuff. I own my own business, so there was a lot of extra paperwork that needed to be brought in. But I was able to do it all easily on the website and it was obvious what I needed to do in most cases.
The whole process took a month and we ended up closing a week later than we were supposed to. I'm glad I did the mortgage when I did because the rates are going up but AmeriSave was competitive with my normal bank. I felt I was going to get a better low-down on what I was doing versus best through the bank. Overall, AmeriSave reps were professional and their website was easy to use.
Reviewed Feb. 9, 2018
I was refinancing my line of credit because of the new tax bill. So, I was consolidating and decided to look into a mortgage. Different mortgage brokers contacted me, and John from AmeriSave was probably the most upfront. He disclosed everything to me by sending me what all the rates were, what the points were, and everything else. I had other people give me what felt like used-car salesman pitch, but I felt like he was the most candid. I have dealt and spoken to enough people to know who’s telling me the truth.
The application process was pretty good because I can upload the documents. John had someone working with him, and they did a decent job. It took a couple of weeks, and the problem was I couldn’t find my loan from Bank of America Line of Credit document. So, I had to request it, and Bank of America took forever to provide it. Otherwise, from AmeriSave’s standpoint, it was pretty quick. I was qualified, and they did everything on their end. AmeriSave was competitive, and the two individuals I’ve dealt with were straightforward. They wanted my business, and they laid their cards on the table.
Reviewed Feb. 9, 2018
I went online and AmeriSave called, and their interest rates were comparable to most of the other places. The online application process was very simple but it was long. I had two pieces of property and one was a secondary home, so it was a little more difficult to get everything settled with that. But I was happy as long as the interest rates stayed what they originally told me, and they kept it there. My reps were Teresa and David, and they were fantastic. Teresa did really good work, but both of them were great. It was like talking to family. And they would call right back. The only thing I didn’t like was how much I had to pay for closing costs. That was a little bit more than what I expected, but other than that, everything was great. It was a very easy and harmonious experience.
Reviewed Feb. 8, 2018
I punched in some search online and AmeriSave was the first one to call me back. They had very good rates and the other guy I called couldn't really beat that or their closing cost. I applied for a refinance so they called me and I gave them my information. Then they double-checked my credit score to make sure that they'd give me that rate. I gave them one year's income and pretty much, one of their guys did everything with me right online. He caught me on a day I was sitting in my office and I was ready to do something. He walked me through the entire program step-by-step and it took about 30 minutes. I had a couple of questions back and forth before the closing and sent in more information that they needed. I was able to e-sign everything on the application. Then, they sent a notary over for the closing. Another gentleman took me through that and it was pretty seamless.
They emailed me the whole way through, let me know everything was good to go or whether they needed more information, and they were persistent on calling and making sure I was on top of whatever they needed which is what impressed me the most. The other guy I got a quote from was pushing off that AmeriSave had a terrible consumer report on them. He sent me all kinds of stuff on all the dissatisfied customers and on the customers who were happy with him. But I still went with AmeriSave because they were very persistent and more than helpful on getting the process done.
Reviewed Feb. 8, 2018
I went online and said I'm looking to refinance my rental house in Florida. The guy, from Amerisave, whom I talked to was personable and gave me the information on what I needed. He followed up and did everything I could say on expectations. I figured why would I go anywhere else when he was doing a good job. Setting up the loan with them was outstanding. I think it might have been 30 to 45 days to get the mortgage. But it was all my fault for holding it up because I was on vacation. And I couldn't get them the paperwork they needed to close it. But everything was processed. I was approved in January and I signed the papers. And I couldn't have said enough about the two guys I worked with to get the loan processed to closing.
But all of a sudden, on the 1st of February, I got a notice in the email that AmeriSave sold my contract to somebody else. I now owe somebody else a payment. And there's nobody in AmeriSave who gives a rat's butt about saying they sold my contract and the company they sold it too is not even reaching out to say, "By the way, we're the new company." There’s nobody communicating nor human contact to tell me to do this and that unless I read and understand the email they sent me. And I figure when somebody doesn't get a payment, I'm sure somebody is going to call me and say, "Why didn't you pay the bill?" I've never made a payment through AmeriSave. My first payment is due the end of this month. And I was told it was sold within a week of closing or less. It was instantaneous. If anybody asks me how I like AmeriSave, I'd say horrible only because they make one think they love them. They do everything to get one's business.
Reviewed Feb. 8, 2018
I was financing our rental property and the product that AmeriSave Mortgage was offering was attractive to me in terms of interest rates and the different options that we did to structure the mortgage. Also, the person that I was dealing with, James, was pleasant to talk to. He was available to me at all hours. The application took a while but that was on our side because my husband and I needed to make some decisions on stuff. We started the process in November last year and we just closed recently.
I was satisfied with the service. However, it would have been helpful if I was given in an email a whole list of things to submit from the beginning and then, I'll just upload that. Because sometimes, things would come up in the middle of the process and that always delays things. And, not just a list but what exactly AmeriSave needs because there was an instance that I provided a document and it wasn't what they wanted. But generally, my experience was very pleasurable. AmeriSave will go out of their way to make the process convenient and comfortable for you. For example, our property is in North Carolina. I felt like we would need to go to a lawyer's office to sign off all the documents. But they had the notary come here to our house which I thought was quite unique because I haven't experienced that before.
Reviewed Feb. 7, 2018
I went on to the LendingTree website and searched for mortgage interest rates. I was looking for the lowest rates and Amerisave was offering a very good low rate. The process was very, very smooth. Everything was online, which really helped. It worked out well. And they were very supportive with questions. They answered if I had any and kept telling me what I needed to do. It was mainly through email but once or twice, I talked to them on the phone. And they were very good in both. It took maybe half an hour when I first got with them till the ball started rolling. They were super responsive and I would highly recommend them. They seem very efficient and organized and gave me a great rate.
Reviewed Feb. 7, 2018
I wanted to refinance then my wife's uncle said that he used AmeriSave and that his experience was very straightforward and easy. So I went online, plugged in my information, and someone from AmeriSave called me right away after that. Everything happened pretty quick and things went smoothly. Their application process was pretty simple and took me 30 minutes to do. And every time they needed something, Mike and the underwriter lady would ask me for it and I gave it to them. They didn't need much from me other than my application. If I called and left a message, they called me back. They also sent me emails and were very helpful. If I called and had a question, they were very nice and answered them for me. If they didn't know, they got back to me. Every time I called, they took care of my situation right away. The whole process took less than 30 days to finish.
The main reason why I did the refinance was to lose my mortgage insurance, and I did. So, my mortgage went down with losing the mortgage insurance down for 140 bucks. Later on, I was thinking that maybe I could have even gotten a lower interest rate from AmeriSave. But they dropped my interest rate a quarter percent, so that was good. Other than that, everything else went perfectly. I'm happy that I chose them and I would recommend them to somebody else.
Reviewed Feb. 7, 2018
I did a refinance with Amerisave Mortgage and they were great. I did a 15 year program and the interest rates and terms were excellent. The online application process was quick and easy, and I just had to send in some paper work about my financial situation. The process took less than a month. I was very comfortable working with 2 loan officers. They answered any questions I had, talk me through it, and were always available.
Reviewed Feb. 6, 2018
I was going to combine my line of credit and fix my loan to lower my interest rate, so I did two mortgages with AmeriSave. I had the guidance of Alexander and Shawanda, and they were excellent. As a first timer applying by phone, they were very helpful. The next loan was good too. But the person who was going to approve the loan was waiting for a lot of other things that maybe it could be somewhat easier, but it turned out to be harder, so it caused trouble. They were supposed to have all my documents, but they did my first for $636,000 very faster than $416,000. But still it was good.
Someone offered me a lower rate, but since I promised Alex that I would work with them, so I didn’t go for that. Also, I didn’t know the people that were offering me that, so I didn’t trust them, and I decided to stay with AmeriSave. They were very honest and helpful, and that’s very important to understand the people they are working with. They are also very friendly and wonderful. I love them, and I’m going to send a lot of customers to them for sure.
Reviewed Feb. 6, 2018
This was the second time that I refinanced with AmeriSave. I went online and filled out an application, and they sent me a log-in to a portal and I e-signed any paperwork to them through the portal. It was about three weeks altogether which was fine. However, some things were unclear, like I wasn’t sure how long I wanted the refinance or exactly how much. They said I could change but I don’t feel like anybody ever brought anything up as far as what my final decision on this was. But the rep was very helpful. They wanted what was in my best interest as far as keeping me informed on when the rates were going to go up. I wanted to close but I have a tendency to take my time on things, and he sent me emails warning me that the rates were going to go up and they did. It was a good experience.
Reviewed Feb. 5, 2018
Due to pressure from my real estate last year, when I was closing, I had to take a different lender because of a mess of mistakes that they made. And the lender that I chose charged me PMI, so I was trying to refinance to get out of the PMI. I Googled, "compare lenders" and on the LendingTree website, AmeriSave came out cheaper on the different criteria that I was looking at. And when I Googled their consumer feedback, I saw more positive reviews than with other places. So I applied with them.
I filled up the website forms then Brian over at AmeriSave called me. He ran my credit and got some personal information and details about the house. He gave me an offer that was way better than what I was getting, but it turned out that I gave him the wrong information on a few things. Then, he gave me an offer that was still substantially better than what I was getting but not excessively better. He passed me over to a lady named Nikki, the closer, and she was the one who organized getting the appraisal and getting the bank documents.
Then, the appraisal list came out, they verified the value of my house, and Brian re-evaluated the mortgage based off of the information on the appraisal. They gave me documents to sign then I had to give them my employment records and all the normal stuff. In three weeks, a notary came to my office and got me to fill out the paperwork. Then I got an email the other day saying that everything is complete. All in all, the whole process took two and a half to three and a half weeks at the most which was much shorter than the first time I did it.
There was one small thing that was annoying to me about my employment verification. Apparently, my company switched to some weird verification system last year where you needed an employee key to verify employment. AmeriSave didn't know what my employer was asking for, so they explained it to me wrong. I called my HR department about it and they didn't know what I was talking about. Then AmeriSave called me back and asked for the status but I told them that I had no idea what they were talking about and it was really stressful trying to figure out what was going on.
Eventually, they called me back and gave me the correct number to call. When I called that number, they gave me some generic information to find my key. Basically, it was just my last name and a portion of my Social Security number. That was something that AmeriSave could have done better. If they called the number on my behalf, they would have been able to figure it out. But it was my employer that caused the whole employment verification thing and I'm annoyed with them more so than I am with AmeriSave. Everything else went pretty good.
The first time I talked to Brian, he was very enthusiastic and I could tell from the way that he answered my questions that he understood exactly what he was talking about and he has done it a million times. It felt very fluid and he told me when it was something that he could do or couldn't do instead of saying he'd call me back or suggest something else. So I didn't feel like I was getting jerked around like with a couple of other companies that I called. He was very cautiously giving me the worst-case-scenario and I always felt like I knew what were the worst things that could happen and that never happened. So, it gave me confidence that they were doing exactly what they should be doing the whole time.
Both Brian and Nikki were very comforting. Nikki was very good at pushing things along and wasn't afraid to call me when I needed things. When a document was needed, she didn't just email me and wait for me to respond. She would check in and would call me to let me know what she was looking for. So, I appreciated their enthusiasm. I'm very satisfied with my experience. They were professional all the way through and I didn't feel pressured or confused. It was also nice to know that they made sure I wasn't in the dark about things.
If you have plans of refinancing or doing a mortgage, go with AmeriSave. I got a friend right now who is looking to buy a house and I recommended AmeriSave to him. It was unfortunate that he has a buddy who works for a brokerage firm already, but I told him he might want to check AmeriSave and see if they can provide different numbers.
Reviewed Feb. 5, 2018
My son helped me with my renovation loan with AmeriSave. He did it all for me. The online application was a lot easier and we did it all at home. The underwriting process took a few days then we got our money. My son was really happy. We had a very good experience and I'd tell people to go with AmeriSave. They were lower on the interest.
Reviewed Feb. 5, 2018
I went to Lendingtree.com and Amerisave was one of the first two people to call me. I talked to Chris and he was a good representative for AmeriSave. I asked for certain tips and bets from them and provided the paperwork that they had requested. The application process for the conventional loan was a little bit easier than I thought it would be and that was where Chris really helped me with uploading documents rather than mailing them and waiting for mail to process. I also worked with Glenn but he went on Christmas vacation and I got a substitute. And I didn’t have as good an experience with anybody as I did with Chris.
The biggest issue I had was the underwriters. I had retired during this process and that slowed down the process. I retired from 40 years in education and had a really good credit score but those underwriters were still requesting information about when I would be paid in my retirement. It was underwriter's pride. I started the process on November the 30th and we originally thought it would close on December the 30th but we closed January the 30th. In getting a mortgage, you have to do your research and make sure that you get the mortgage company that you really want.
Reviewed Feb. 4, 2018
I applied on LendingTree and then I was contacted by Brian from AmeriSave who walked me through the rates. I shopped around for a little bit making sure that that was the best rate I could get and then called him back and locked this loan. And then, everything else was done through their processes, uploading documents into their web portal and e-signing everything up to the final loan documents. The process was painless. All I had to do was gather what few documents they needed and they took care of everything else. They were the best rates out there that I could get, so I'm happy I got a 20-year instead of a 30-year term. The only thing I would ask is how to check my running mortgage balance or set up a payment.
Reviewed Feb. 4, 2018
I was looking online and I might have looked at Lending Tree and put in my email address and phone number there. People started calling me and one of them sent me via email the contact information of Amerisave Mortgage, and so I decided to go with Amerisave. Once I decided to use Amerisave, I told them what kind of loan I wanted and they put the loan process in motion and set up the appraisal. From that point, I got some insurance stuff taken care of, but I didn’t have to do much. Amerisave got the ball rolling and sent me documents that I had to look over. They sent all these documents digitally and I was able to find them on my phone. I pulled these up on my phone, which I had on speaker mode, and the woman loan officer walked me through the documents as I went over them.
Overall, getting through the loan process was easy. I was very satisfied because, in the last couple of times that I've done this, the lending process was painful. With Amerisave, I had the appraisal within a week. Along the way, I was getting things from them and I had to review some documents on their website and sign something, and there were things that I did off and on for two or three weeks, but these were easy to do and didn’t take long. The reps that I worked with were very helpful, super easy to work with, and they were good about getting back to me. They also seemed good at what they did and knowledgeable, so that was good.
Obviously, I would've liked to have gotten a 0% interest rate, but aside from that, they gave me what I wanted and, other than somehow figuring out how to give me a low interest rate, I couldn't ask for anything else. I had a wonderful experience with Amerisave. I would send people their way and, actually, I've already tried to do this. The only thing that I'm curious about now is I've received an email about their selling the loan to another company and I've not received a bill.
Reviewed Jan. 31, 2018
AmeriSave Mortgage has no hidden fees. You can go online and look at all the numbers and the rates and closing cost and everything is playing out as it is supposed to. I've used them in the past. I was buying a new house and I called their number and told the guy what I was looking for. They sent me all the rights and then we just went forward from there.
I used them the first time because of the online process and that you can pull out various charts where there's a bunch of different insurance rates and the different closing cost. You can do it outside of work hours which is helpful. Their rep was very quick on getting back to me with answers through emails and phone calls. The only loose ends that I was confused on is now that we're actually coming to pay the first check I wasn’t sure how to pay the mortgage. I would like to do it online but there's a little bit of figuring out what the next steps are. You pay the first one by check and then the loan will get sold and then you'll be paying someone else.
Reviewed Jan. 30, 2018
I wanted to get a lower rate so I refinanced and Amerisave had the most competitive rate. I went with a 15-year fixed loan program. Their rates are pretty good considering that the rates have picked up three times in the last three weeks. It could have been better if I refinanced maybe two years ago. But it is what it is. The online application process was very easy. Amerisave's prompt responses helped me closed my loan. Someone always picked up when I called. And when it was an answering machine, I got a call back within an hour. I also got responses from emails fairly promptly. The website is clean so all the information is there. Our rep, David, was very responsive and accurate and succinct with his responses. He was so direct. I ask him a question, he responds. He doesn’t give me a full story. He only tells me what I need, and he supports it with website links so I could read for myself.
Thanks for the feedback, Maria! We're glad we could help!
Reviewed Jan. 29, 2018
I went online and pulled up places to refinance my house, then a very nice representative of AmeriSave called me back and we went from there. He was honest with me, told me what was going to happen, how much the mortgage was, and never lied to me about one thing. The longer I talked with him, the more I liked him. He was a very friendly guy, we got along with each other, and we agreed on different things. I was very comfortable and I enjoyed working with him. It was great that he dealt with me like he did and I didn't have any confusion. I have done anything he asked me to do and everything has worked right out like clockwork.
While I didn't like doing the mortgage process online, it was the easier way to do their work. I'm an older person and I’m used to going to the bank and letting them do all the work. The application and underwriting process took about 4 weeks and everything couldn't work any smoother. They've done it the way they said they said they were going to do it. The rates and terms of the mortgage were very good and I had a 7% loan I got rid of. Everything was how I want it to be. AmeriSave is unlike some people who think all about the money and how much they're going to make off of us.
Thanks for the review Lloyd! We're grateful for your business.
Reviewed Jan. 28, 2018
I've used Amerisave Mortgage in the past and it was seamless and simple. I wanted to refinance and I went with them again. The process has been much better than the last time and it's painless, more streamlined, and simpler to get docs in. It's straightforward and not a very challenging process. They asked for what they needed and I submitted it. We didn't have any issues along the way and we helped each other in that aspect. Everything was done electronically and the notary was sent out at the end and finalized all the docs. Also, Amerisave's rate is better than most. They helped me and I'm comfortable with them.
But I had one horror experience with them when they had some computer glitch. To take a different rate, there was a way to get cashback. And that cashback rate changed significantly. It was about a 35% difference and that was a negative aspect of it. They didn't tell me about it and I was the one who found it. I run a business, too, and I understand that mistakes happen. I would warn people about situations like that but I still would recommend Amerisave.
Reviewed Jan. 27, 2018
I was buying an investment home, and I got a regular 30 years investment loan from AmeriSave Mortgage. I did seven loans with them. They had my files, so I keep it the same. Their online application process was very transparent. Everything was up-to-date and there were no back and forth questions. It was clear and displayed on the screen so I knew exactly what I needed to submit and when I needed to submit it. Everything was processed through uploading the documents. So, the whole transaction was smooth and easy.
AmeriSave's customer service team was good and straightforward, and I was most impressed with their knowledge. However, they missed a couple of days on the closing dates, which was not their fault and probably was the third-party’s. But other than that, their rate and the terms were good. AmeriSave should keep doing what they’re doing.
Thanks for the review Huy! Glad you found our services smooth and easy! We appreciate the feedback.
Reviewed Jan. 27, 2018
I thought rates were lower than when I originally took out the mortgage and I thought I can do better, so I decided to get a mortgage. I used a service wherein it puts your information out there to a lot of different providers. As soon as I hit the Submit button, the individual from AmeriSave called me right away. I got a 20-year fixed loan program. I gave her the information she was looking for and she sent that out to the underwriter. They’ve reviewed it. The underwriter got back to me, provided some more documentation and they sent it out to someone to go through the docs and all the signatures. The nice thing about it is I didn’t feel like it was very involved. It was very easy, straightforward and efficient. There wasn’t a lot I had to do on my part so that certainly appealed to me.
Also, their rate seems competitive. Although I didn’t spend a lot of time researching that. I took the individual’s word for it as she seemed sincere. I guess I could have spent more time researching whether that was in fact the lowest rate out there, but I felt like with as straightforward and easy as the process was, I wasn’t going to split hairs over a few points here and there. And so far, I haven’t seen anything come in in terms of mortgage payments, who I’m sending it, where I’m going to send, sending it, and the timing on sending it.
"Easy, straightforward and efficient," that's what we love to hear from our borrowers! Thanks for the review, Joshua!
Reviewed Jan. 26, 2018
I bought a new home and needed mortgage. I used AmeriSave before and I got a conventional loan from them. The rate in terms of the mortgage is fair. The price is good. I like the online application process very much. I recommended it to my realtor, so he could use AmeriSave. I just got online, talked to their processor, then they checked my credit score. I then uploaded all the files, and sent them. I got approved within eight days, so it’s really quick. Customer service was excellent, too. When you send emails, they respond within five minutes. The processor, officer, estimator, and underwriter are very fast. Everything went smooth.
Congrats on the new home, Huan. Thanks for the review!
Reviewed Jan. 25, 2018
I was refinancing and Amerisave were the first ones to call me. I talked to Aaron and he seemed pretty nice and knowledgeable so I decided to go with them. I got a fixed program for 25 years and it was a pretty quick process and everything was done online. I talked to Amerisave during the loan process, emailed them, they emailed me back. Everything seemed to go pretty well, so I’m happy with them. My rep was quick, prompt, and knowledgeable and the terms of my mortgage was fair.
Reviewed Jan. 25, 2018
AmeriSave Mortgage returned my call first and I liked the way the rep handled herself. Plus the rate worked out for me. Everybody was fine and the process went well. They did me right and I'd tell others to give them a call.
Thanks for the review, Timothy!
Reviewed Jan. 24, 2018
For health reasons, I had to relocate to the West Coast and that meant leaving an apartment and buying a house for the first time. I did a lot of research online and AmeriSave was the one that worked the best because I was very comfortable with them. They took me through hoops, but I knew they had my best interest in mind.
Sometimes their application process appeared to be a little nitpicky which made it harder for me. For example, if they need to know that I had a certain amount of money in my account, they wanted me to submit a document but I had to do it by print-screen to facilitate the process quickly. My account number was on the page but all banks, for the consumers’ safety, don’t put names at the top of the page. If I go back to the main screen and print something that had my name on it with the same account number, AmeriSave should be able to put those two together and say that that confirmed that said money was in this account. But they didn't and still insisted on getting the information in the form that they wanted it.
If they could see two documents and match the numbers, why give the person who was applying for the mortgage all the grief of still supplying the document that they wanted? It’s hard for the applicants to get that, especially if they couldn't get out and get to a bank in person to ask the banker to help them to get a document. Little things like that make AmeriSave's process a little less pleasant and it was very stressful for me. I had to give them the same information over and over again. There should be an improvement on that, if not on AmeriSave's part, on their underwriters', and they should work together.
Other than that, I liked both of the reps I worked with, Dallas and Jordan. They seemed to work well together and if I couldn’t explain something to one, I could explain to the other, then they would talk to each other to get things straight to help me. In addition to that, I really liked the real estate agent that they recommended. She was outstanding and over the top. The rate that I got from them was also the best one for me. They were honest enough to tell me how to get it and helped me to problem solve in an area that I didn’t have that expertise. I’ve talked to my friends about AmeriSave with one caveat. I told them that AmeriSave's process would seem stressful and unnecessary, but at the end, it'd be worth it.
We appreciate your feedback, Angela. Thank you for the review.
Reviewed Jan. 23, 2018
I had a couple of properties I wanted to refinance. I looked into LendingTree, and then AmeriSave was one of the first who called me. They had better rates. It was what I was looking to do. They also had better overall - closing calls, etc. I went with two different loans with them, one was a 16-year, fixed rate loan and then a 20-year, fixed rate loan on an investment property.
The process was pretty simplistic. The first part was me reaching out to LendingTree, and then AmeriSave called me and I talked to Brandon. He led me through the process, and a lot of it was internet-based. It was kind of a check box, “skip this item, get this item” type of thing. Then once I had all my proof of income, it was about what the property was, and getting an appraisal done and seeing what the value of the house was, and then going over rates. The appraisal kind of controls the rate one is going to get, and I got a good rate. I got to choose what rate I wanted depending on what the closing cost was going to be. So, I could have paid more in closing if I wanted a better rate, and then I could have paid less in closing, and had a benefit if I chose a rate that was a little bit worse.
I am very impressed with the lending process, but I don’t like the after. I don’t like the sell-off. I don't like that I got to go to another bank, to another bank, to another bank. I closed on December 16th, and AmeriSave sold my mortgage off to AmeriHome. The biggest thing is, if you're not paying attention, you’re just kind of letting the payment draft, and then you don’t pay attention to this new mortgage company saying “Hey, you got to pay me”, and then you’re a month or two behind on payments. I just got a notification yesterday that my mortgage had been sold off. But I don’t have an account number with a new place. I don’t have any way to set up anything with making new payment arrangements yet, because they haven’t sent me a loan number or anything like that. I’d rather be sold off to Bank of America or Wells Fargo or Chase Bank or something bigger than these smaller servicing companies.
I still chose AmeriSave because I knew this was probably going to happen. Competitors actually uses this against AmeriSave as a sales tactic - “They may be cheaper, but you’re going to get sold off. With us you’re going to be able to stay. We’re going to hold your mortgage.” I could have gone somewhere else, like Quicken Loans. Quicken Loans was going to keep me, and I was going to have a solid mortgage service, so I didn’t have to worry about changing or changing where my payment goes. However, they were not saving me any money. Just because I was getting sold off, that didn't affect me beyond paperwork, so I wasn’t going to let that discourage me from going with AmeriSave versus Quicken Loans or another lending company.
It was a good experience with AmeriSave. Brandon and Megan were very attentive, on the spot, and reachable. They were personable and tried to get the best deal for me. They never pressured me to get things done. Megan was straightforward and told me what I needed to get. If I called her phone and had a question and she couldn’t answer it, she got the answer. I was impressed, and I will continue to do business with AmeriSave. I actually called Brandon yesterday about getting another mortgage.
Great work Brandon and Megan! Thanks for the honest feedback, Chris! We appreciate your business.
Reviewed Jan. 23, 2018
I used AmeriSave before when I did a refinance. It was a pretty smooth process and they had better rates. I used them again for a standard 25-year loan when I was buying a new house. I reached out to them and Rebecca, the rep I worked with before, came back. I explained to her what I needed and we went from there. It was easy to get the documents that was needed to them through their online application process. It was also easy to see what I was missing and keep track of what I needed to provide. I was originally going to be looking at a lower percentage, but the point to buy seemed extremely high at the time. So, I was surprised about how expensive the points were. But I probably wouldn't necessarily stick in this 25-year mortgage that long.
Other than that, I had a problem with the appraiser that they sent in. He wasn’t very satisfactory and delayed things for a week or so. That was the low point of it all. But Rebecca did as much as she could to help move things along and she stayed on top of things after hours. I started this at Thanksgiving holidays and I was traveling a lot. She let me know when she was going to be available, and that she would still be keeping an eye on things. So, I felt like it wasn’t the type of thing where it was on 8:00 to 5:00, and if something came up after that or over the weekend, there wouldn’t be any response. I felt like she was there to help make sure it got done. She was very responsive, too. Any questions I had, she could come back in, and talk about it. I recommend that people check them out.
We appreciate your repeat business, Mara. Thanks for the review!
Reviewed Jan. 21, 2018
I needed to refinance and consolidate my loans. Amerisave Mortgage was pretty competitive in terms of rates and the closing cost was less. They had numerous options and you decide yourself how much you want to pay like if you want to pay a closing cost or go for a lower rate but more pay upfront or high rates and no closing cost. So, having multiple options is a good thing.
I interacted with two reps, Nicky and Christina and both of them were wonderful, personal and it was a good communication which I like. Christina first took care of the initiation of the process. She guided me and had enough time to spend with me on the phone to submit the application and then followed up the stuff which was necessary to submit. It was a pleasant experience. There was a little bit of miscommunication about two items because I was away for a few days and then they kept asking about some additional things. I wish I had known that in advance before leaving. But at the end of the day, it wasn't a big deal. This was the best experience so far. They have a good customer care and it ended up being a very efficient process.
Nicky and Christina are awesome! Thanks for the review, Oleg!
Reviewed Jan. 21, 2018
Amerisave offered a reasonable interest rate and everything was created via online and then electronically. It was excellent. Somebody called or emailed me if it was necessary. And they usually email me back within 24 hours. The closing cost was reasonably low and it was lower than the local providers. Amerisave was wonderful and very efficient.
Thanks for the review, Junsoo!
Reviewed Jan. 21, 2018
From enrollment to approval, that took me a week with AmeriSave. I did it online and the site was pretty easy to use, straightforward and I just put in the information. A friend of mine went through them and I used them for my first home purchase too. I worked with Nathaniel and he did a really good job. He reached out several times and walked me through the process. But a couple of days ago, I received a notification that my loan was transferred from AmeriSave to another lender, Wells Fargo, and that seemed a little off to me. I haven’t even made my first house payment to AmeriSave. Other than that, I’m happy with my rate and terms. I got the best rate compared to a lot of other lenders.
Reviewed Jan. 20, 2018
Allan from Amerisave was the first person to call me back after I did the LendingTree application. He did it within probably less than 10 minutes. First impression is very useful and that was what really started the positive process out - the confident voice at the other end saying what they've got and that they could beat what I've got. The quick call was great and Allan spent the next two days with me, making sure I had submitted all the required paperwork. He was very responsive. I didn't wait more than 15 minutes for an email response or phone call reply. If ever it might have been an hour but that was very good. He did a fantastic job.
My LendingTree application was an insurance that I was getting the best deal possible. If I run aside six people and they're all saying about the same thing within a few hundred dollars and need some of the percentage point, then that's what the market is. But Amerisave blew me out of the water so much so that I thought it was bait and switch because it was three quarters of a point less in rate and fees than anything I'd seen out there. So, I wasn't confident initially that it was going to happen, but the number that they offered ended up being exactly what I closed on, and I was very impressed with Amerisave Mortgage.
The process with Amerisave wasn't quite as good as Quicken Mortgage where I had everything done on an iPhone in 30 minutes, but it was a close second. I had to fax or email one or two documents and the rest of it were things that I could find on my phone or iPad. I was pleasantly surprised that it wasn't painful on the paperwork process either.
Quicken could have done it in about 12 days and it ended up about 17 days with Amerisave. I had to wait to sign documents and all that stuff, but it was pretty good. Originally they said it could be three weeks to a little over a month but it ended up being just over two weeks, so I was impressed with that. What made me worry one time during the process was after I had submitted everything, I did not have a confident time frame when the underwriters would be back with me with the loan approval. At one-point when I asked, they said it could take 7 to 10 days for the IRS to respond and that was when I thought it was going to be a slow process. Giving more information of that stage in the game would be useful. But it only took less than 24 hours from the time I submitted everything saying I was approved which was really cool, and Amerisave ended up taking two and a half days which was also cool.
I like to get a response back that is acceptable and that happened with Amerisave so I am impressed with that. Allan had all the answers. He is a licensed mortgage broker which was a plus. He put up with me because I questioned the process a couple of times like there was no way it was too good of a deal. He tolerated that and was very friendly. I was asking questions that were probably disrespectful but he put me at ease that they were really cheaper and it was not bait and switch. The next guy who was coordinating with me through closing did a great job, too. Everyone was very friendly in the closing department. The process ended up going very well. It was great from start to finish. What Amerisave offered and what they delivered were exactly the same all along the way. It closed in the time frame and that was really confident and inspiring.
Reviewed Jan. 20, 2018
I had a mortgage from Amerisave a year ago and I got an adjustable rate. I went to a lesser amount. I called out Quicken Loans, and they gave me a monthly payment. Then I called AmeriSave, and they gave me a lesser payment. I went with a two-year fixed program with them. I got a 30-year mortgage and I dropped $100 a month in payments. The rate could be better maybe, but it is what it is.
However, the process was aggravating because I had to get copies of my bank statements, a copy of the declaration of insurance, etc. But Amerisave made the online application easy for me. I’ve done it a few times, and it’s great. Nikki was the biggest help. I’m going to skip paying, but I got to make a payment to Amerisave on February 1st. She gave me all the information I needed to do that. She had an answer to our questions. If she didn’t have the answer, she got it really fast. The guy whom I did this loan with was really good, too. Between him and Nikki, they made it easy. I’m happy with Amerisave, and I’d recommend them to anybody.
Reviewed Jan. 19, 2018
We were helping our son purchase a new home. The application process with Amerisave took about 30 days and I did it on the internet. We didn't care for the process, though. We went through certain procedures which I had to deal no matter what, and we weren’t satisfied on things that they needed to do to get the loan. We were a little disappointed all in all. The customer service team was very polite, though.
Reviewed Jan. 19, 2018
We had gone through one of those sites where we had a bunch of responses. AmeriSave Mortgage was probably the one of the quickest to respond positively and was willing to work with us and ready to go. They also had some of the best pricing on things. Some of the others were more, “Well, we’re not sure how you’re going to appraise,” and we ended up appraising fine. The online process to refinance was great too. We were able to e-sign everything until the actual closing. They were great on email responses, so it was easy to do. The customer service reps were great as well. There were two different guys who were both very responsive, great about copying each other on the emails and taking care of things. They were very much on top of things, and very timely. If I have friends who are getting into refinancing or mortgage, I will definitely recommend the company to them.
Reviewed Jan. 19, 2018
This is not my first studio and I’m a retired real estate agent so I understand the loan process. I’ve worked in escrow which is a part of the closing process so I recognize a company that does a good job. Amerisave's price structure was excellent and easy to understand. They were no hidden surprises. It took 30 days to process which is pretty stunning. What they said they were going to do is what they did and they did it in a better period of time than what they estimated. They under-promise and over-deliver.
Reviewed Jan. 18, 2018
I did debt consolidation and AmeriSave was easy to work with for the most part in obtaining a mortgage. Their online application process was all right and there were some paperwork. The terms were fine and the rate was decent. Compared to all the other comparable rates at the time, they were good. I always wish I could have gotten a little bit better but they were all phenomenal for the most part. The rate I had before was slightly lower than the rate that I refinanced for, but it was still worth it for me to switch over to do the debt consolidation.
The only complaint I would have is possibly my misunderstanding or their miscommunication. I had stated a couple of times that there were some payments that were going to be due around when we were closing and I had asked specifically if I needed to make the payments or that they would be taking care of closing. I was told they’d be taking care of closing. But it wasn’t really relayed to me that rather than paying off those other debts, that they would be sending the checks in the debtor’s name to me then I would have to forward that check to the debtor. My impression was that it was getting paid off. Fortunately, I went ahead and made a payment ahead of time anyway. Otherwise, I probably would have received a late fee from one of the creditors and have some interest tagged onto it and then I really would have been upset.
Reviewed Jan. 18, 2018
I wanted to lower my interest rate. However, the process of obtaining the mortgage with AmeriSave was a pain. They’re from Georgia and I’m in California so everything was done over the internet. They have so many different people calling me to deal with my stuff, and that really sucks. They were also confused and didn’t even know what they were doing. They were telling me one thing and it came down to a lot of little weird stuff, plus it took a while before we got somebody that’s like, “This person is going to be there for you for the rest of your refinance.” Also, in the middle of our mortgage, somebody went on vacation so nobody took care of anything. I had to wait till she comes back and nobody told us along the way that was happening, which they eventually did. The way they communicated might have improved the whole process.
Reviewed Jan. 17, 2018
I looked through AmeriSave, LendingTree, Quicken Loans and Wells Fargo, and AmerSave was just as competitive and they were more persistent. I talked to them, they gave me a bid and I accepted. They sent me a list of the things that they needed for the loan, I forwarded them, they reviewed those and made modifications. About three times, they came back saying they now needed this and that. After that, I got everything approved for my 30-year fixed refi. It was a fairly simple process. With all the things I had to fill in, the online application process took about an hour. I worked with the loan consultant and then his processor. Both of them were excellent, quick to respond to phone calls and emails, and pleasant to deal with.
I wish though that AmeriSave had given me the entire list of everything they needed the very first time versus having to go back a couple of times asking for additional things. Other than that, I would recommend them. They were easy to do business with and it was a good experience compared to some of the other loans I’ve done in the past. People should include them in their choices when they’re getting a quote.
We appreciate your feedback, Bob! Thanks for the review.
Reviewed Jan. 17, 2018
AmeriSave Mortgage offered the best interest rate and their process for a refinance was really easy. I did it all online and it was very convenient. The two fellows I dealt with were very good and they promptly answered any questions I had via email or telephone. Also, the rates and terms of the mortgage were what I wanted. It’s perfect.
Reviewed Jan. 16, 2018
I had a few different companies give me estimates and AmeriSave gave me the lowest rates with the best details. They came up as one of the better providers too. I got their 15-year conventional loan. I worked with Ryan and he did a great job. He was very responsive when I had questions, explained stuff to me, and told me what he needed. We had an initial call where he told me what the process would entail. It was mostly updates and letting me know afterwards. The whole online system was pretty easy. It let me know what the status was, what documents they needed and what documents they had for me. But I had a couple of issues uploading some documents so I sent them directly to Ryan and he took care of it.
AmeriSave also made available plenty of resources and had documents suggesting what to do and what not. It was up to me to use them or not. I did and I could see easily somebody going into it. I also did my extra research. Just thinking about the big deal that it is to buy a home and how scary that is to a lot of people, if people don't do their research, then they can miss stuff. Overall, I have no complaints. I was dealing with a seller who was anxious to close before the New Year and the process was very fast, about a month.
Congrats on your new home, Cristina! Thanks for the review.
Reviewed Jan. 16, 2018
We were looking for a cashout refi and Amerisave Mortgage was highly recommended online. Mortgage companies are so competitive these days. Most of them in general are pretty fair and timely, so those that are highly rated on the internet are usually good. I gave them the basic information like my name and address and then somebody called me back right away.
After I told them what I wanted, my husband and I's credit cards, what we were wanting to do with the cashout refi and the debt to ratio based on what we owed on our house, they were able to determine very quickly and gave us a rate and from there we didn’t have to do an appraisal because they said it was just a refinance. It was really quick and they were very timely and easy to get a hold of and talk to. They required proof of insurance that we had to fax along with some other information, but if we had any questions, we call them and they answer. The rate and terms that we got were really good. And their title fees are fabulous and cheaper from where I live. The only thing that I haven’t been able to get right now is trying to find Amerisave Mortgage's website so I could pay online and have my work real short at it. But other than that, it’s just been really good and I'm very satisfied. They're very helpful and nice. I'd recommend them to anybody.
Reviewed Jan. 16, 2018
I checked rates online and I got contacted immediately by AmeriSave, so they were quicker than anyone else. Heather was our go-to person initially, and she was very good. The process wouldn’t have taken that long, but it took me a while. I talked to them over 90 days, but that was my timeframe, not theirs. It was all online and it was efficient. However, there was a lot of people in the mix, like with the verification of employment with my wife's company. Her boss kept track of the phone calls, and there were seven phone calls total for a verification of employment. He also said he spoke to at least four different people. It became ridiculous. But that was the only thing that aggravated me. I would recommend them for sure.
Reviewed Jan. 15, 2018
AmeriSave Mortgage was the most attentive among other lenders and I got a good rate from them. Everything was done online and with a few phone calls, and the process went smooth for me. This wasn’t my first refinance, so I didn’t ask too many questions, but they explained everything and were easy to work with. The originator was Quintin and the loan officer was Michael who was easy to contact with.
Reviewed Jan. 15, 2018
I went on LendingTree when we were refinancing and AmeriSave Mortgage had the best rates and they were quick to email me back. They asked if we wanted to go on with the process and we said yes. The next day, they organized the appraiser to come but the appraiser took two weeks because she had a death in the family. We then closed after Christmas. AmeriSave was fast and the process was really easy.
We worked with two different people from customer service and they were very knowledgeable and quick to call back anytime we called them or they answer their phone when we call them. The email was really easy too. Anytime we had a question, they emailed us right back. The way that their website is set up, it was easy to see what they needed from us, what we needed to do for them and upload. It was really easy to navigate. There were a bunch online documents that we signed and then we had a person come to the house where we signed all the original documents and everyone was very kind, professional and organized.
We got 3.25 rate which Quicken couldn’t get us to unless we paid points. The term is 15-year which we were in a 30-year and we were on our 15th year. So we didn’t want to go back into a 30-year and it was fixed, which is awesome. That was exactly what we were looking for and they made it really easy. Other than the appraiser, everything else was really fast and the people that they seemed to be connected with on my local level were wonderful.
Reviewed Jan. 14, 2018
We looked at consolidating some debt and went with a traditional 15-year mortgage with AmeriSave. It was a refinance and their online application process was easy. Application and underwriting, from start to finish, took about less than three weeks. I started off with the initial guy with online filling out of forms, and another lady doing that a couple of days later. All interactions were positive and I was pleased with the rates, too. I got a reduction of about 1% in my mortgage rate. That worked out best for me. With AmeriSave, it was a pretty smooth and painless process. I didn’t really have to leave my house. I was able to do everything online and read stuff through email, fax, or text.
Reviewed Jan. 14, 2018
We were trying to see if we could lower our mortgage payment and get a better percent. One of my friends had a good experience with Amerisave and pointed me to them. Obtaining the mortgage went well. The process was painless, so it was great. Filling everything out was simple. They also helped me go through it if I had any questions in regards to the application. Anytime that I needed any assistance, the loan officer was there. They called back when they were not available at that time. It has been a long time since we've done the refinance of our house and this is one of the ones that really went smoothly. My wife and I were very satisfied with the experience. It was pleasant for a company to give us a really good rate, and the customer service was excellent.
Reviewed Jan. 14, 2018
My brother-in-law had refinanced with AmeriSave Mortgage a couple times and they had the lowest rate. I went through their process, which was straightforward in my case, and I sent them all the docs and my father's docs since he is a co-signer. Everything moved forward from there. During the application process, the 30-day escrow ended up taking much of the whole time. Also, there were a couple of docs that we needed from the HOA that they were late in sending and held the process up. It wasn’t AmeriSave’s fault at all. They could have closed our application earlier if they have gotten those docs. Other than that, the process worked out fine for me. Both the loan officer and the processor were really great and I was generally impressed by how responsive they were. They were both very helpful and friendly in a genuine way.
But in retrospect, there was another bank that I looked at and had spoken to and they would change the rate when it drops even if I already locked in. That wasn’t the case with AmeriSave. I got 3.87, which is a good rate, and a $1332 credit towards closing but that same 3.875 came with closing credits of over $3,000 within a week after I locked my rate. So it would have been very nice to have that other policy which makes a lot of sense to me and it could have saved me an extra couple thousands. Still, I'm happy with my experience with AmeriSave.
Reviewed Jan. 13, 2018
The initial person I spoke with at AmeriSave Mortgage was very transparent. He had my best interest in mind as we went through the program. The reps were very professional and straight to the point, too. We originally went through Lending Tree. Aside from AmeriSave, Quicken Loans and another provider popped up. I spoke to three different people. Quicken Loans could get me a better rate, but talking with our loan originator at AmeriSave, he brought up a really good point. I'll end up paying well, the rate might be better, and my payment will be a little lower because I'm going to paying for an insurance policy that I really don't need.
Even though the rates with AmeriSave was a little higher, he was correct. We would have saved a little bit on the payment, but our principal was higher because it would have been funding or financing our interest loan that I don't need. I was going to save money in the long run because I wasn’t financing a large principal. It was a selling point in going with AmeriSave. When our loan originator pointed that out, I was like,”Oh”. People are like, “This rate is better a lower rate is good. Lower equals better so I’m going with that”. That was true for a rate perspective, but in the whole portfolio, it wasn't the best thing.
It's a streamlined process and I really appreciate it. I was not stressed about it at all. I'm proficient with online forms, so the mortgage process was really simple because everything was online. Anything I needed to provide I have the ability to scan and send right away, so it was really simple. We’re also very organized people and got all our files digitized, so when Amerisave needed stuff, we have the information. It’s just a matter of getting it to them, and because of the online portal that they have, it was awesome.
There were moments I look at my wife going, "Why wasn’t your mortgage always like this?" In my original mortgage that I ever opened when I move to Chicago Land Area, there was a lot of, “I got the document but I have to print it out first." I then have to rescan it and fax it over when the person in the office so they can get a copy.” So, there was a lot of that. With Amerisave's portal, a lot of that was removed and smoothed out. It felt like a 21st-century mortgage. I recommended them to friends. I told them the same thing about the rate and also shared with them about the portal.
Reviewed Jan. 13, 2018
I was in a loan that I had just refinanced back in August. However, that loan had a 10-year window on it and I wasn’t comfortable because that's going to go by faster than I wanted to. I decided that if I can refinance and do it, then I’ll do it again. Also, I don’t know if the interest rates are going to be attractive in 10 years so I wanted to go 30 years with a fixed rate. I filled out an email for AmeriSave on a Saturday morning and within 15 minutes, their rep called me and we were on the phone for about 30 minutes. I got all the qualification part out of the way and he said that he'll send me an email on Monday morning and also between the call and then. He also said that he'll call on Monday and he did. I had the papers that he needed because I had already done it back in August so I forwarded everything to him which made it quicker. He called me back and talked about the cost and I got a very good rate.
I have people calling me left and right and all the other different people that have access to my online application but the AmeriSave's rep had already beaten them to the punch. He took the deal down and I was in sales for 20 years so I understood the value of what he was doing and I appreciated it. Also, other people call me with anywhere from $10,000 to $11,000 of closing cost but AmeriSave and I came in under $2,000 for everything. Other people were telling me there’s no way I got that and I said that I’ve got an underwriting from AmeriSave and if they don’t do it, I don’t have to sign.
I first dealt with Brad then he handed me off to Steve and they were great. They called me early and they stayed in contact with me. Every day, they walked me through the process and we got it done in two weeks. I’ve been buying properties for a long time and I’ve been doing a number of closings and this hit by far was the easiest. It was the first time I did it online and although it sounded too good to be true, it was really good. I was very pleased and happy with AmeriSave.
Reviewed Jan. 12, 2018
We were looking to lower the interest rate and we ended up with Amerisave for refinancing. The application process was really easy to understand. Everything was computerized, except for when we closed it. Their rep was very helpful and explained everything we needed to know. The rate and terms we settled on were what we wanted to work with.
Reviewed Jan. 12, 2018
I wanted to get rid of some bills. AmeriSave Mortgage was quick and they were very easy to work with. They answered all my questions and they laid everything up front. You know what you’re getting into and that's what I like best about them. They're downright friendly and easy to talk to. They don't use all the big slang terms that the banks and lawyers use. And there ain't no hidden punches. I applied on the web and then they called and I talked to several people. We went with a fixed 15-year loan program with them. Their rep walked me through and the experience was great.
The process took 35 days from open to close. With the weather that we were having during that time and a tornado warning, they did it as fast and as properly as they could. Now looking around, the rate was a tad a bit high but it was doable. Everybody's promising lower rate but we got ours locked in. AmeriSave is great. Look into them first. You shouldn't have to go anywhere else unless you've been at a substantial lending.
Reviewed Jan. 12, 2018
I was looking to refinance. I did some research and saw some good reviews about AmeriSave. I also called around a few different places and got estimates, and as far as closing and interest rates, theirs seemed to be pretty solid. I refinanced with them, and this is my third time. I have a few investment properties and one of them had a mortgage insurance I was trying to get rid of. This last time I was trying to pull a little the money out. As far as banking, at the online portal where they can use log in, that’s quick. Everything is pretty smooth. Obtaining my mortgage was easy. The last time though, there was a little more back and forth, but I know that’s down to the process. They want to have a couple things there at the end and that’s normal. I worked with a rep few times now and he’s awesome. There was another guy and he was really helpful, too. As far as across the board, compared to other companies, Amerisave is great. I’d recommend them absolutely.
Reviewed Jan. 11, 2018
As I was going through the reviews, for some reason AmeriSave stood out over the others. It was easy obtaining the mortgage. The whole process through closing took probably 20 some days. Everything went pretty smoothly. The people I worked with at AmeriSave were very professional and courteous, and the rate was competitive. It was better than the others. I'd recommended Amerisave to a friend. I'll tell him or her that they locked in my quote within 15 minutes and helped all the way through the process.
Reviewed Jan. 11, 2018
I was looking for a remortgage and AmeriSave Mortgage seemed to be pretty much who I asked for and I got exactly what I asked for, and they were the only mortgage company that was willing to do a remortgage. I filed an application, they were the first one to call me, and it was done over the phone, and everything was cleared up within 48 hours. The lady I was working with was great. She was honest and she replied quickly. The electronic process went great too. Usually, I’m not comfortable to have the finances through computers so much. I’m just a little old-school with that but it worked out well.
Reviewed Jan. 10, 2018
I put my information on a website and AmeriSave was the first one to call me. They had some outdated paperwork so I gave them the updated ones. This was my second home that I got refinanced, so I had to clarify what kind of home it is. The customer service were on their toes and kept me informed. They would send out an email but then after a few minutes, they'd contact me just to give me some updates. They’re really good, professional and has concern with their clients. They did an outstanding job and the rates and terms of the mortgage was 110% better than what I had before. They did things within the time frame they said they were going to do it and when I had some step back, they were there to help, support, guide and listen to what I want. I've recommend them to a friend.
Reviewed Jan. 10, 2018
I wanted to do some things around the house. I used AmeriSave Mortgage before and recently, I did a refi with a cashout with them. I filled out the application on the phone and the other part of it I did online. Everything went smoothly except something happened the first time when I spoke and I had to contact Wells Fargo. Once that was done, everything else was fine. It was a little smoother transition than the last time. I didn't have to send all the bank information and they were able to look that up and my tax information as well so that was helpful.
Everybody was nice, patient, and willing to help. They were able to answer all my questions and gave me a peace of mind with the answers and their confidence. Everyone that I encountered seems to know their job. I don't have credit issues, so that makes it easy for everybody. The rate was fine and the terms were what I had before and I was happy with that.
Reviewed Jan. 10, 2018
I got divorced recently, and refinancing was part of the settlement. When I went to LendingTree, I like the rates I could get with AmeriSave. Since I started there, I was ready to get this done quickly. Once I locked in the rate that I wanted with AmeriSave, I just kept going forward. I went through the whole application process, which took a while. Once I submitted it, I got an email from AmeriSave, guiding me through the next steps and telling me what I would need as far as documentation to upload to the site. That was important for me because I work, and I have a digital copy of everything. So, I wasn't having to run around and fax stuff, which takes a little bit of time. That would have been a pain. I just started uploading the information, and they eventually said that my rate was locked. They then did whatever they needed to do on their site with my information. We changed a few things along the way, but other than that, it was pretty straightforward.
The underwriting process took less than a month and I am very happy with it - it would have taken less than that if I had not decided to change my cash out option, which took maybe another week or so, though. The lending process was seamless, and the rate was fair. Everyone was very responsive and it wasn't difficult to get in touch with people. My emails and my calls were returned promptly, and I really like the website.
Reviewed Jan. 9, 2018
At every step of the way we could see where our loan was at on the customer portal. We also received almost daily communications from the agents collecting our documents and processing our loan. We always knew what the next steps were, and what would happen then. All questions were answered immediately and knowledgeably. We are very impressed with the entire process from quote to close taking less than 30 days, partly because we were able to upload all of our documents as they were requested. Thank you AmeriSave. We hope to use your services for all of our future lending needs.
Reviewed Jan. 9, 2018
My loan processor and agent didn’t give me a good APR. It was too high. So she sent me to check the computer and when I did that, I looked at AmeriSave. They had a very competitive rate and their webpage explained their different programs. It was very accurate about the monthly and I liked that. Their process was very smooth, too. This is the second time I'm doing refinancing and the last time I did it was frustrating for me. Every time I tried to do something on one moment, I tried to quit because the other company was asking for too much docs. So I was surprised when the guys from AmeriSave didn’t ask me for too much papers. Everything was on the computer and I didn’t submit the taxes and statements. I don’t know what they did exactly with my bank information and how they controlled everything, but I was very happy because they gave me whatever they promised.
I was also surprised that the numbers didn’t change too much with AmeriSave. Whatever numbers I have and saw in the computer were very close, though a lot of things are different with my house now since I have stuff like the solar panels that were not accounted for. Their guys, Daniel and Mike, were very good, always listened to me and were very patient. There was no pressure and it was a better experience than the one I had before. When I applied for a mortgage in the past, anytime when the notary came to our home with the papers to sign, the numbers were not right. I had to call their guys and tell them it was not the correct number, then they'd tell me to just sign and they'd send me the right numbers. But this time with AmeriSave, everything was matching. I had the right numbers and whatever we agreed on was there with no changes. So I was very happy.
I'd recommend AmeriSave when I have a chance to help somebody to do better. In fact, I’ve been talking with my sister-in-law about it because she has the same problems. Like me, she has the PMI on the loan and the reason why I tried to refinance was to reduce the PMI. So I gave her all their information and told her about my experience. But she hasn't called them yet and I don't know why. Initially, I was scared to do something like that by phone and through the web because sometimes when you are trying to refinance, you want to see the guy, sit down on the desk, talk to the guy, and check the numbers in front of him. That’s probably my sister-in-law is a little worried about that. But it was a very easy experience for me and if I had to do it again through the same company, I would.
We appreciate your recommendations, Daniel. Thanks for the review.
Reviewed Jan. 9, 2018
I had done business with AmeriSave Mortgage in the past and I was happy with them. I went back to them again, and their service was perfect. I'm very happy, again, for the second time. Everything was on the phone and e-mail. And the process went so smoothly and we were a little surprised how fast the whole thing went to the closing date.
Reviewed Jan. 9, 2018
Avoid AmeriSave at all cost and find another lender. I applied for a loan with them at the beginning of October, did not close until December 15th, and the experience is horrible. I did a new home purchase and the bank that I was going to use have some strict guidelines. I had gone through a short sale about three years ago and they had a four year waiting period. So, I went online and AmeriSave was the first one that called me. My very first question before I started the loan application was if the loan can all be started until after the three-year period or if the closing has to occur after the three-year period. I was told that closing had to occur after the three-year period but it was not the case. I went through the entire process to find out that everything had to be canceled and I had to reapply for a loan after the three-year mark.
I already had a house that I had put an offer on but the closing date got moved five times. It’s a miracle that the seller did not throw up his hands and said that the house will be put back on the market. AmeriSave promised me $500 because they continued to make mistakes throughout the process. I was told and actually have it in an email that I would get money towards closing cost. Then I ended up having to fight for it because they claimed that it was not something they ever told me.
Also, when I reapplied for the loan, they assigned the same loan number which had been rejected the first time because it was prior to the three-year period. That was already around the holidays and it was a nightmare. If anything could have gone wrong, it did. They didn’t realize that until we went to have an appraisal scheduled. Someone noticed that it was the same loan number and that it needed to be a new case number or loan number if we wanted it to go through. That took another couple of days to happen. And that was all around the time when AmeriSave told me to tell the seller that I could close and so, that was the date that I used the third time to close. But because of their mistake with the loan number, it had to get moved again.
All in all, the representatives were telling me good information but in the end, I couldn’t trust anything that they were saying. For a period I thought that they’re going to fix it but I have to control everything in the end. I was constantly on the phone and sending emails to make sure that things has been done. The case is with both the person who is assigned to the loan and the person that I did the loan application with. I would hope that AmeriSave would educate their people. I would much rather be told that they don’t know the answer and they'll get it for me or get somebody who does than tell me a wrong answer.
Reviewed Jan. 8, 2018
I wanted to get out of the five-year ARM that I had and get into a 15-year fixed rate. The process with AmeriSave was pretty much done over the phone. The person I talked to mostly was Melody, and she walked me through the whole process. Every question that I asked, she was able to answer. She's very knowledgeable and she knows what she's doing. She didn't push me into getting along. She gave me all the info that I wanted and asked for.
From the original call, the process took two and a half weeks. AmeriSave sent somebody out recently who said they agreed to a 15-year loan with the fixed rate, which was a fair rate. Prior to that, they sent an appraiser as well, which I paid for up front. Something came up about my credit that I had a debt but it wasn't mine. It was somebody with the same name as mine, but they were able to fix that and we were able to proceed along. I know my first payment is due in February but I haven't received anything yet as to where or how I am going to send my payments, and I haven't gotten a response yet. But other than that, everything went smooth.
Reviewed Jan. 8, 2018
We started the process sometime in April and had everything negotiated by the beginning of the vacation period. But as is often the case in the US, there was an endless amount of new questions coming up. It was always blamed on the underwriters asking for this and that. In the end, we had everything signed but we could not fulfill the requirement of the last documents, so it expired. Then we started again with the same companies, but AmeriSave was the new one. They were the most flexible and we got the rates that we were looking for, even though the rates had been moving up ever since we started the process. We still got the same rate as we had before the vacation period.
Our original mortgage was with Wells Fargo, which was an absolute disaster when it came to delays and requirements. We don’t mind providing unnecessary documents as we need time if they ask for them. With AmeriSave, it was much easier, there were much fewer documents and they were very clear on what they wanted and when they wanted it. They are much better and much more professional than Wells Fargo.
Reviewed Jan. 8, 2018
I had a five-in-one arm three years into the mortgage. Rates are rising, and I wanted to convert to a 30-year so I started looking around. Went to a couple local banks and the rates were higher than I thought they should be, so I went online and looked at a couple, talked to five more seriously, knocked it down to two and then picked AmeriSave. They gave me a closing reimbursable of $870. They didn't need me to pay for an assessment 'cause they were fine with it. The loan amount was small compared to the value, and that made the cost of converting a small premium.
I gave AmeriSave my bank accounts, and they looked at what was in them. I also gave them what I thought was a property value, plus I gave them my income for the past three years. A week later, they said, "We got what we need. When do you want to go to closing?" I went to closing two or three weeks after that. I happened to be in California on vacation the week they wanted to do it, and they sent a notary out to the hotel I was staying at. We closed there in about an hour, and it went very well. I had a relatively low percent of value which was under 50% of the loan, so I'm an extremely low risk lender/borrower. So, they made it easy for me. The rate is very good and I didn't have to take points for the rate I've got, and that was one of the things I like about it. It was a positive, painless effort which I was happy with.
Reviewed Jan. 7, 2018
I tried Bank of America and Credit Union, but I love the service that AmeriSave gave me so I picked them. And the moment I applied, they approved me whatever I was qualified for. I was happy with that so I went ahead. The rep who helped me out made the process was very easy. And then everything just went through smoothly without having hard time with a lot of issues. It took us two weeks and I got good rates. I can now own my house with the price that I'm paying for an apartment into the house. I recommend them.
We value your business, Mekiya. Thanks for the review!
Reviewed Jan. 7, 2018
AmeriSave had the best initial rates and loans available when we were shopping around. We did a standard refi with a cash-out option. We applied online, and our loan originator called and discussed the loan we were looking for and made sure it was the \right product to go with for our circumstance. She helped get us in the right lane. Once we were ready and initiated the actual loan process with the loan originator, we got everything organized and closed in 30 to 40 days, but the loan originator hung around with us for a whole year. She would call in once a quarter and check in.
It was a real seamless, painless, and extremely easy process. Things were really quick and they were patient with us. Once we were ready to move, everyone on AmeriSave’s part was very responsive and answered questions. Also, with the portal they have, we could answer our own questions. I would tell friends to call Amerisave, give them a shot, and that they're professional to work with.
Reviewed Jan. 7, 2018
My mortgage rate was too high and I was looking for a 15-year rather than a-30 year. I started looking at rates online, and then AmeriSave contacted me and they were very personable. From the get-go, they listened to what I was looking for in a mortgage. They proposed a rate and what the monthly payment would be. I’ve been through a number of mortgage refi's and home purchases before. It’s always after you do the initial lock in, there’s so much paperwork that they want. They want this faxed over to them, they want that emailed over to them, and all these documents. But AmeriSave streamlined the process and I was like able to do a lot. I did not have to turn nearly as much paperwork as I had done previously, and they've merged technology with their paperwork that’s due so I was able to do a lot of signing through electronic signatures online.
The only face-to-face that I had was at the very end when the notary came to our house. My loan officer scheduled the notary appointment, and the notary called and confirmed, they came out to our home and we got everything done. We started the process sometime in November, and we closed on December 14th. AmeriSave was very service-oriented. They always answered their phones and returned emails in a timely manner. I kept waiting for the other shoe to drop, like something was going to go wrong, and it never did. It's by far the easiest refinance I have ever done.
Reviewed Jan. 6, 2018
My experience with AmeriSave Mortgage was fantastic. We were planning to buy a new home so we went for a mortgage. Robert from AmeriSave, we got his contact through a realtor and we were already working with a couple of other mortgage companies, too, but Robert who we dealt with was very clear and very explanative about what we are going to pay. He made a lot of calculations for us and he got us the best rate in the market. When we showed the rate from AmeriSave to others, many of them were surprised and they clearly told us “We can’t afford this one”, so we were very happy with the way Robert and AmeriSave dealt with us.
And anytime we call, which I normally do after 7:00 or 8:00, he never missed to take a call. He used to pick up and he used to respond whatever the questions we asked for. Even if he is not in front of this case, he will get an executive, and he can get back, and he responded very well. So, it was basically the communication, and he understood exactly what we were preferring a low monthly payment, and he worked on that, and he brought the best. In fact, my other friends are planning to get a new home, and I already suggested Robert’s name to them.
Reviewed Jan. 6, 2018
I liked that AmeriSave Mortgage offered a lot of options in terms of points and interest upfront. I did three loans with them so it was a home purchase and there were two cash-out refinance. I called them to obtain a loan and after that, I uploaded everything to their online system. It was neat. I logged into my account, saw what was requested and I uploaded it. They made it very easy compared to other lenders. Their rate was very good, too.
The process took exactly 37 days. The online application process was complicated for me because I have a lot of investment properties and I had to upload each one of them. But after I did the first upload, AmeriSave's reps transferred the information to the other two loans so I didn’t have to go three times through the whole thing. Mark and Glenn, their reps, were great. They were very nice to me. They were also on time with everything. And if they had a question, they called me. If they had a deadline, they followed up. They were right on top of everything.
Reviewed Jan. 5, 2018
AmeriSave Mortgage was excellent. The representative kept me up to date at every stage what the situation is and what documents are needed. Everything is online and easily understood. The process is smooth. The only small issue is the employment verification. When it was done they could not contact the employer so they could get back to me. But they got back to me after one week so that I could have that. Everything is very simple. There is no hidden cost or anything. Everything is black and white. Even at the time of application I know what the cost are and what the interest rate is. That's one of the best things I like here at AmeriSave and I recommend it to any of my friends.
Reviewed Jan. 5, 2018
I have already researched for my son before who was buying a house, and I recommended AmeriSave Mortgage to him and he was happy with them. So, I went with them when I was in the process of buying a house myself. I went online and used the online information. Then, after that, somebody contacted me and we discussed various options and what I was looking for and why. He eventually proceeded to open up an application. The application and underwriting process took around 45 days, and everything was done the right way. Everybody was eager, on top of everything, and had the information that I needed. They have been responsive too.
The rate offered was very competitive for what I wanted. What I like about the company is that there is a very wide-ranging choice that you can make depending on what your needs are and what your goals are. So, you can pay up the extra points and sort of pay down the loan, or you can have a slightly higher interest rate. My son didn't have any trouble, and I didn't have any trouble too. I would recommend them.
Reviewed Jan. 4, 2018
Getting a mortgage with AmeriSave was internet and e-mail-based. We talked on the phone a little bit as well but it was all remote. I went to their website, put in some information to get some quotes, and then someone contacted me. And then once we got a house, we were able to give all the information through e-mail and their website. Their website was secure and seemed okay. It showed the status of each piece of information like whether it was reviewed or not so it was useful. They got the process done within 17 days. And it was timely since it was a short close. I gave the information when they asked for it. And usually, within 24 to 36 hours, they processed everything well. I was worrying about it, too, but everything came out efficient. The rate and terms were straightforward. They gave me the options and I knew what I was getting. Working with AmeriSave was easy overall.
Reviewed Jan. 4, 2018
I did a refi with AmeriSave Mortgage. I did a LendingTree thing and AmeriSave was the first one that answered and it was late at night. It was a super-easy and straightforward refi. The customer service rep that I had was awesome. She was on top of everything. She didn’t let anything fall through the cracks and she sent me reminders about paperwork that was missing. The application and the underwriting process was super-simple, and that’s really why I didn’t do any other shopping because I thought that it was that easy. My experience was good. They did a ton of their process electronically, which was nice. I probably had 40 emails from them during the process, so communication was great. We did the signing at our house with their agent.
Reviewed Jan. 3, 2018
Very responsive through email and quick to answer all questions. I actually work for a New Construction Home Builder and have relationships with lenders but none of them could touch the rates that you offered.
Reviewed Jan. 3, 2018
We chose to do our refinancing with AmeriSave primarily because of their rates. I called the online agent and from there on we went to the filling the doc requirements and then closing the process. It went very smoothly. The application and underwriting process took 30 days. There was a glitch. The application had limitation that's beyond control and their rep had to work with the IT department to get that fixed. But they are very professional in the whole process. They're very good and competitive.
Reviewed Jan. 3, 2018
AmeriSave sold our mortgage off a month prior to us going back to them for a refinance. Andrew did a good job with the previous one, so I went back to him. I filled out the online application, and if there was anything that was missing or needed additional information, Andrew pretty much got back with me within a day. He followed up on directing me through any specific questions I didn't understand, or any documents that I might not have understood as far as how to get them and how we could help to get the information that he needed. He offered his suggestions or input when I wasn't sure on the length of the term to proceed with.
If there were any delays, sometimes it was more on my end than on theirs. They were almost immediately responsive, many times the same day. I got an online update, such as "Thank you, we've received this." I could log onto their site and see what was pending, what was processed, what they still needed. There was a checklist that I could refer to. AmeriSave did a good job. They did everything I was looking for.
Reviewed Jan. 2, 2018
I was purchasing a house then. I researched and I had two coworkers that had used AmeriSave Mortgage and were pretty happy with them so I went with them. Being a first time home buyer, their process was good. Everything went smoothly and everything was easily available on the customer portal, which was good. Every once in a while, there was a little bit of a very small disconnect between the underwriters and the agents I was dealing with, but if there were issues, the agent got it cleared up really quick, so I’m very happy with the agents. I like that their agents would call me right away whenever anything changed, or if there was any information I needed to know. Also, I was able to call their office directly and talk to them during regular business hours, and if I left a message, they would call me first thing in the morning if it was after-hours. So their reps were definitely good on the communication side.
As a first-time home buyer, I had no idea as to the amount of stuff I needed to get like notarized, or collected, whether it would be three years of tax returns. They had to verify where I was staying, and rent, and the fact that I’m an employee of a family-owned business, and so, with my dad being the boss, had to send in a letter saying that I didn’t own any portion of the company. There should be a checklist for first time home buyers and tell them, “Hey, you’re going to need...so you better be prepared.” They also need to be a bit upfront on the time too.
Reviewed Jan. 2, 2018
I needed to consolidate and pay off my bills, so I went with Amerisave. I had a few issues, but they were taken care of when I called. I, however, didn't get my checks to pay my stuff on time, so I have late fee charges. Now, I got a thing stating that I need to have a payment in by January 1st, but I just got it yesterday. The application process was also a long paper trail and it was a headache. It took about a month as they kept on requesting some more. I was like, "I gave you all those stuff already, but I guess it wasn't good enough." Nevertheless, their responses were very thorough and the people I dealt with on the phone were very nice every time I talk to them. I also got good rates from them.
Reviewed Jan. 1, 2018
It's my third time going with AmeriSave to help me get loans. I’ve gone back to them because I like the way that everything is uploaded online. It’s quick. I see what’s happening on a daily basis, how the loan process is going, and how it’s making progress. They’re efficient and they keep in touch. Sharon has been the agent that I have gotten in touch from the very beginning because she’s the one who’s assigned to my area. John and Matthew are the ones who have been helping me this last time. They’re very professional and they keep me updated on a daily basis. I appreciate that. They have always been good in communicating and working together, with my other agents also, the real estate and escrow people.
Reviewed Jan. 1, 2018
I have been looking at reviews on mortgage companies in comparison sites like ConsumerAffairs, and picked out a shortlist of four companies. I then started speaking more in depth, and AmeriSave seemed to be the most honest, and they also had the best rates. Never having done a mortgage before, the process went smoother than we expected. We reached out, and AmeriSave people came back to us and they were very helpful at every step. They let us know, then we gave them what we needed, and then we got the mortgage. The guys from AmeriSave that we were dealing with were very attentive and were always happy to pick up the phone and explain things to us. They taught us a lot about the processes we were going through. We were very comfortable working with Leon, our loan officer. He handled it exactly the way I would want it to be handled.
There are so many times when you’re dealing with this and you feel like you’re being withheld information. But it’s not because you’re actually being withheld information. Instead, it is because you don’t understand everything about it. But AmeriSave went that extra mile to make sure that we understood what was happening at every stage. The loan went through within five weeks, although by the end of the third week, we were ready to close and they went away and had a couple of days’ breathing room on the other side to transfer money. It probably could have been done quicker because we were on vacation. When we were closing, the person closing said that they haven’t seen a rate that low in the last few months. Everyone we know, like our realtor, said that it was a good rate. So, we’re happy with that.
Reviewed Dec. 31, 2017
AmeriSave was one of the first ones who called me. I checked around and their rates were better than anybody's. The process of getting the mortgage was pretty simple. Most of it was done over the phone because it was a refinance. Once all the criteria were met, the gentleman from the title company came to the house, and filled out the paperwork. The online was pretty good for the refinance. It was a lot easier. The application and underwriting process only took a couple of weeks.
Everything was spot on on and was done in a timely manner. We dealt with two Amerisave representatives and they were both great on the phone. They were very helpful, knowledgeable and very personable. It's a good company. I would recommend them to anybody. They're easy to trust. They found me through LendingTree and I know that they were a reputable company because they’re dealing with LendingTree. If I would’ve just pulled them off of the internet, I probably wouldn’t have gone with them.
Reviewed Dec. 31, 2017
The process that I had to go through to get approved with AmeriSave was awesome. That was the reason why I went with them because the last time I had refi'd with them, it was so easy. Again, it was painless and there no surprises. My appraisal was waived and I was really happy with the whole process. The rate and terms were very fair. I said upfront that I did not want to pay any point. So, the rep told me, "Okay without any points, this is the best I can do," and I was pleased. I'm constantly telling people it's so easy. They should go through AmeriSave. Good job, AmeriSave!
Reviewed Dec. 30, 2017
I called a couple of lenders and Amerisave was the first one that got back to me. Everybody’s rates and services and times were virtually identical. So, since I spoke to Amerisave first, I stayed with them. I talked to them a couple of times and filled up the application online. The process was by and large very easy. Once we settled on the terms and such, it was very quick. It took under under two weeks at that point. The only thing I didn’t like was that they handed me off to different reps a couple of times. Within a week, I went through three people, and then finished with the last guy over the last two weeks or so. But they were pretty good about getting back to me. I’d call and leave a voicemail, and I’d get a call back within half hour to an hour.
Reviewed Dec. 30, 2017
I was provided books on Quicken Loans and then I got a bunch of calls. I got disinterested in refinancing because I got so many calls. Then, I almost refinanced with another company, but somehow, the representative from AmeriSave got my attention. He had really good customer service, we felt comfortable working with him. He was friendly but professional, and seemed like a nice guy. He was also really straightforward, knew what he was doing, and he had the best deal to refinance.
The process went pretty smoothly. I did most of it online, and the process was really simple. I also liked how we could upload whatever documents we needed ourselves. The only thing that was difficult was that our bank didn’t come up for it. But we eventually got it all in, and we could still upload it through the online parts. So, that made it easy, and I liked that. We completed the process within a few weeks, which was pretty quick. Everybody affiliated with doing the loan process were good, and I was happy with everything.
Reviewed Dec. 29, 2017
My experience with Amerisave was outstanding. Easy process and fast from application to closing the loan. Great people and thanks to my loan officer Robert and my processor Brandy for all your help during the application process. Very helpful.
Reviewed Dec. 29, 2017
I refinanced my home without the second mortgage. Amerisave came and said, "Well, you'd be better off if we do your home, and your second mortgage." They calculated in advance, accounting for the escrow that I already had in the bank I was refinancing with, so they made enough money available at that point in time that they could pay the escrow themselves and I would collect later on. I liked that part where they advised me. Getting approved was a little confusing at times and I wasn't quite sure about what to do next as it was not really obvious. There was lack of print and sometimes they had been so small that I just don't see them. At a point I wasn't sure what was going to happen next and what to do next, the girls, and also the rep, were good. I could always call them and they'd give me the straight answer. I kept going in, and I eventually did the right thing and figured it out. Other than that, it was fairly easy. I was very pleased with it
My rate was a little bit high at 20%. Terms are okay except for one thing: they say, "Well, you can direct withdrawal up until the 10th." But my payment on my home comes in on the 14th of the month. So, they couldn't take me, and I like to do direct withdrawal. I would like to always set it up on the 14th, but they said we can't do that. It's either the 1st or anywhere between the 1st and the 10th. Nevertheless, I enjoyed AmeriSave. I knew that they were going to sell my mortgage, and they did sell it to AmeriHome. Then of course, AmeriHome really sold it to FHA, which is going to use AmeriHome as an administrator. It's basically AmeriHome and AmeriSave that have that. Pay it on the first, or give you 10 days, but you've got a 16-day window, so I may take advantage of that. I appreciate it.
Reviewed Dec. 29, 2017
AmeriSave has worked out good for me and I'm pretty happy. Anytime that I've spoken with them, they've been great. The application process took a couple of weeks from beginning to end. It was pretty quick. The rates and terms of the mortgage were about as good as I was going to find anywhere, but I saved a little bit of money through AmeriSave. The main thing that I really liked was AmeriSave was more transparent mostly, so I was able to compare different interest rates easier with them.
Reviewed Dec. 28, 2017
I just retired last August and thought to trim some things down so I did an online inquiry for a refinance to get a lower interest rate. Amerisave was the first one to respond and as I was filling out basic information, somehow and someway, the were on the phone calling me before I could even finish. They helped and were easy to work with. There were documents I had to sign and I didn’t have physical papers, so they would email them to me as an attachment, I would print them out, sign the paper, and since I don’t actually have a fax machine on my computer, I have an application on my cellphone that can take a snapshot of every document, turn it into a pdf file, and email it that way. It was easy and quick. And the few times that I talked to the rep, he was nice and efficient.
However, I got a little nervous when I found out that they sold my mortgage to a certain company. I’ve heard of the name before so I did some research on them, and saw not very good reviews. I’ve only made one payment to them and I can do my payments online which I wish everybody would get on with. I’m retired and to keep my insurance, I have to pay x amount of dollars every month. They mail me coupons and mailing labels, so I have to write a check, buy stamps and envelopes, and mail the payment to them. Other than that, everything was very smooth and I’m satisfied. I recommended them to a friend of mine out in Tucson and he might’ve inquired about lower interest rate too.
Reviewed Dec. 28, 2017
LendingTree gave me a list of different companies that potentially could be contacting me. When AmeriSave contacted me, there were the easiest to work with. And I felt a little comfortable working with them. Rebecca explained everything from beginning to end. I got a refi on an existing loan and we're getting everything paid at a lower interest. They contacted me whenever they said they were going to. Jordan kept me up to date and everything was right the way he said it was going to be. It was a great experience. Everything went well and it was a smooth process. But it would have been less than 30 days if we didn't hit the Veteran's Day weekend.
Reviewed Dec. 27, 2017
I wanted to refinance our house and AmeriSave had the best rate for a 15-year mortgage. I spoke with an agent initially and I also worked with a guy in charge of closing. They were both professional and prompt. But, the evaluation of the house came in lower than some of the other properties in our area. And because it was lower, I had to go with a different rate. It took me a month to process it. I would recommend AmeriSave for their straightforward process and their quick easy contact. I've used my credit union rate as the ultimate comparison and they couldn't beat Amerisave which came as a surprise to me and to my Credit Union.
Reviewed Dec. 27, 2017
Obtaining a mortgage with AmeriSave was very easy. Everything was online and it was great. Both people I worked with were great as well. They were very informative. If I had any questions, they were patient with me. If I didn’t respond right away, they would send it again in case I, for some reason, didn’t get it. The process was quick and I didn’t have to go anywhere. AmeriSave worked for me and for what I needed. I would highly recommend them.
Reviewed Dec. 27, 2017
The process of obtaining a mortgage at AmeriSave was simple because it was web-based and the user-interface was good. All the documents were through the website. We went quick with what was needed and I'm satisfied. However, after I closed, I got a call from another company whose mortgage was lower. But I didn't want to continue this process again with another company. Also, the money was wired to my checking account but I had to pay a wire fee, which is a little weird. I expected that when they wire the money, it just goes to my account. It's not much money but still, a little to think about.
Reviewed Dec. 27, 2017
I requested for information about refinancing through a website and then a bunch of people started calling me and AmeriSave Mortgage was one of them. The other ones who called me said that they didn't think they would be able to get the refinancing but the rep from AmeriSave said that he could definitely help me that's why I went with them. The rep started to file on their portal and I submitted a bunch of paperwork and information that they requested and he handled it from there. He was super friendly, super informative, very helpful and willing to sit on the phone and walk me through things I didn't understand. Throughout the process, they would ask for documents and I would provide them. Also, it was easy to navigate on their online portal.
The whole process took about 30 days. I would recommend them but I wouldn't recommend it to somebody who is not savvy with operating online like uploading documents. I was told by the person who closed the loan and she was surprised that we had gotten such a great rate and really reasonable fees so I'm totally happy with it.
Reviewed Dec. 26, 2017
I was looking to refinance and to pay out some debt, and AmeriSave had good customer service. We contacted a loan officer from AmeriSave and he did the credit check then we started the process from there. I submitted all my documents which they got to verify. The process was very simplified and four weeks later, we closed. The underwriting took a week.
I’m used to sitting in front of somebody, instead of talking to someone on the phone so this was my first time experiencing dealing with the loan officer over the phone. After a while I felt comfortable working with Mike and being able to get it done in a timely manner was great. He was also very informative and prompt. He was on top of things and he communicated very well. Whenever I needed anything, I would call and if he didn’t answer, he would return calls in a timely manner. That helped us a lot and that was another thing that I appreciated.
Reviewed Dec. 26, 2017
I checked mortgages online and got a bunch of calls from different companies. I had to free up some credit and AmeriSave had the best deal and nice people, so I got a VA refinance from them. The process took about a week and it was easy, and the rate was very good as well.
Reviewed Dec. 26, 2017
When we bought a new home, we went with AmeriSave for our mortgage. I had talked to a couple other mortgage companies and compared the cost and the rates, and AmeriSave had the best plus they had done a refinance for us before. I contacted the loan officer that we have used before, filled out the application and got a conventional loan from them. The online application was fine, but something was confusing there when you submit it. I thought when I submit it, it can give you better clarification if I did everything well. Apparently, I didn’t do it and I didn't get the rate I could have got the day before, so I had to do it again the next day. But the process was quick and it was a 30-day close. John, the rep I dealt with, was very knowledgeable about all the programs. With him, there was no lack of communication. He always kept in touch and responded quickly when there was a question. I had a good experience with AmeriSave and I would use them again.
Reviewed Dec. 26, 2017
I was unhappy with the company I was working with. They handled my escrow account poorly and when I tried to make a move to get rid of my escrow to refinance, I wasn't very satisfied with their performance. I decided to look at refinancing and AmeriSave was the first to call me after I gave LendingTree my information. Their rep, Ken, reached out to me and we talked a little bit about the different rates and he was very straightforward. I really liked that he spent time listening to what I was looking for in refinancing. He assessed what I was looking for as far as the payment and getting rid of my escrow. He took all of that into account and he pointed me towards the rate that was better than what I had. The payment more or less stayed the same as the escrow and I went from a 30-year term down to a 20-year term.
Ken initiated the whole thing and Mike took over. I was in this boot camp style training when I was working with Mike. He was really easy to work with because when I had a break, I could shoot him an email or give him a quick call. He was also very accommodating given the fact that they wanted to close quickly. They both worked with me and were around my whole personal schedule which was nice. AmeriSave did everything online like submitting the documents and they sent an appraiser over. They took care of everything and I barely had to do much on my part which made it really easy. Overall, everything went really smoothly and they were quick and efficient, too.
Reviewed Dec. 25, 2017
I was looking on the internet for a mortgage 'cause I was buying a house, and AmeriSave popped up as one of the providers. Somebody from Quicken called back first, but he came across as a salesman and I wasn't impressed. Then Randall from AmeriSave called back, and he sounded more like a banker to me. He also sounded more knowledgeable about the product. I told the guy from Quicken he could call me back but before Randall got off the phone, I locked it in with him. The AmeriSave rep told me what I was going to expect and see and how to get on with the borrower's portal, and I did that. That's how I downloaded all the documents they requested and that's how I reviewed and signed all the documents they requested. It was very easy. Both the personnel and the borrower's portal were very user-friendly.
I'm 66 years old so I've bought houses once or twice in my life, so as I would discuss things with Randall like the requirements and so forth, he was very knowledgeable. He told me what to expect and told me about the interest rates. We discussed buying down points. He even told me he had been doing these multiple years with various companies and that was very easy to tell. When he was done with me, 'cause he is the loan officer but not the processor, a guy named Bill he called me. Randall told me, "We got enough on my end to get this started. I'm going to hand it off to a processor who's going to call you, and he and I both will work with you for the remainder of the loan. I'm not abandoning you. Anytime you need me, you call me. If I need something from you, I'll call you." Everything he does via email, he will copy me, so I'll see everything that's going on. That gave me a good deal of comfort.
The processor did call and he turned out to be as nice as Randall was. He was younger and he wasn't as familiar as Randall was, but he was very efficient and he kept me informed all the time. He or Randall or both would send me an email weekly on the status of where it was, or if they need anything else from me. Anytime they needed anything, I would get a phone call and an email. This is the first time I did an online mortgage and I would certainly do it again with AmeriSave.
Reviewed Dec. 25, 2017
I was refinancing for a shorter mortgage term and for a lower rate. I was with Citibank already and then I've used LendingTree. I sought out who would be best and picked AmeriSave on the list. Agent Ronald helped us out and he was spot on, professional and really straightforward. The terms, as well as working with Ronald were why I went with AmeriSave. We had the underwriter at our house, but everything else was online. The website was fairly easy to navigate in uploading documents and my experience has been positive overall.
Reviewed Dec. 25, 2017
I was looking for a lower payment. I wanted to get the loan right and I cared about every little dollar so I wanted to get the absolute best deal. We got a bunch of quotes for a refinance which were essentially the same and AmeriSave was the first one that got to me. They were persistent as well. They called me back a couple of times and made sure that everything was all set. The customer service was really on point.
I worked with two people primarily. The first one was on the sale side of it and then the person on the actual application side of it, Scott. They were very helpful and everything was excellent. They had to pass by back and forth a couple of times and they communicated with each other well. All our interactions were very positive too. They were incredibly responsive to emails and phone calls so they solved the problems quickly for me. They also answered a million questions for me and gave me everything in writing. They really spent a lot of time with me, which helped a lot, and I was impressed with their patience.
The application process was easy and closing the loan was so quick. They had something for me right away. I did the underwriting process in real chunks but it was short as well. The whole thing took 20 minutes. They made the fees really low and they even waived the appraisal since I had one very recently so the process could not have been any easier. But I always asked for the bottom line and it would be nice if there was a clearer cut answer to that, understanding the closing process and how much cash I'm going to have to bring. Nowadays, you know the monthly payment for the exact period but then there's the closing cost. Just making sure I didn’t have to pay anything more and they wouldn't try to rip me off, but they were really good about that.
I have an issue with the escrow right now though. They needed me to fully fund it but between the time we fully funded it and the time that we closed, there was a disbursement for taxes. I put tons of output like $6,000 for the escrow but I’m only getting my refundable for about $3,000 back from my bank, from my previous one. I emailed Scott once on that and he got back to me but I haven’t fixed that problem yet. It’s not fully resolved yet but although there are a million places to see a mortgage online now, AmeriSave was as good as any that I had. I would recommend them.
Reviewed Dec. 25, 2017
We got online and looked around and checked on AmeriSave and they called us. The rep told us what they could do for us and what kind of interest rate they could get us. I like that he is knowledgeable and AmeriSave Mortgage's response was quicker compared to other lenders. It is an interesting and good company. Everybody that we worked with seemed to enjoy what they were doing. The process was very quick and they were very good in what they do. Customer service is excellent. I went with the conventional program and they did a pretty good job.
Reviewed Dec. 24, 2017
I was interested in a refinance and Amerisave was one of the companies that called me. I felt like I could trust them the most. I’ve tried a couple other ones but they were pushy and Amerisave was a little more calm about everything. They helped me crunch the numbers and I saw that they had good feedback online. The application was super easy, fast and noncomplicated and we closed in less than 30 days. We got a good solid idea of what we were looking at as far as numbers and then I provided them with some more information. Once it went right to the underwriter in a couple of weeks, we didn’t have any hiccups right to closing.
The price was straightforward and I was reassured with everything, with the appraisal, and that’ll be credited to me. We are locked in at 4.25 with our original lender and we kept the same rate, but we were able to bring it down to a 15 year, instead of a 30-year loan and it was a lot more appealing to me. The agent and the underwriter were nice. Whenever I needed to contact them and as soon as I did, they usually got right back with me within a couple of minutes. And if I know of anybody who's looking to refinance, I would definitely try my best to push them towards Amerisave.
Reviewed Dec. 24, 2017
I refinanced because I wanted to reduce my down payment for a lower interest rate. I gave my details to LendingTree and then multiple lenders approached me. But AmeriSave Mortgage had the better attitude and behavior in which they approached me and they also gave me the best deal. However, their initial offer could have been a little better in explaining me the options. But, I was contacted by their officer, Amanda, and she was very helpful in getting me the right quote. What I liked about her was that she even gave me her postal number. And then Ellen, their finance officer got in touch with me. I had to reschedule my closing once and they had no issue with it and they didn't back out. I had a couple of queries to Ellen for this closing and then there was a PMI coverage I had to call them with and they were very quick. Even when my loan was closed, Ellen directly called and got my recall back.
I had some other options from other companies and even before I told them, they asked me if they can even better them. ATT approached me but Ellen and Amanda were awesome. I also used one more lender and when Amerisave introduced me to their online application process, that was one of the best experience I ever had. They have a very good website and the interest of the loan terms were already mentioned so you don't have to haggle with the loan officer. It was very easy to get initial market. Also, all the approvals and all the documents were online. Everything was super cool and I even told them that they have one of the best online experience. The underwriting process was also very quick as it took only almost a week to finish.
They were always available and they answered all of my questions on time. Even if I left a voicemail, they immediately called me back and if one of them was going on leave, they always make sure they pick up. Also, they always answered upfront and I was never misled. What I love about AmeriSave is that they acknowledge it if there is an issue and they never said anything bad about other lenders. Also, they kept on calling me but they were never too aggressive and they were very cooperative. Overall, it was a very good experience. They’re one of the best in the business and they will really love you to get a loan on your terms.
Reviewed Dec. 24, 2017
I did a refi with AmeriSave Mortgage and the process was easy and smooth. Their rates were reasonable and their reps were very helpful. I am very satisfied with the service they provided.
Reviewed Dec. 24, 2017
I was considering to refinance my house and looked into a mortgage. My friend recommended AmeriSave to me and I ended up going with their conventional loan program. Its application process was simple and their guy called me right away. We set everything for the application up over the phone and online together and everything was successful. The application and underwriting process took 11 days and it was easy and quick. Everybody was very helpful. I dealt with two people and they followed up everything. It’s good customer service and I’m impressed with them. In terms of the rate and the term of the mortgage that I received, it was very good. I didn’t expect to get this rate so when I saw it online, I jumped to it and liked their rates. So far, it's the best experience I have and I was happy with everything so I will recommend it to somebody else also.
Reviewed Dec. 23, 2017
AmeriSave had cheap pricing and I knew I could get a hold of Darla, who I've had some dealings with in the past. I’ve always had good experience with how she handles herself professionally. Their IT systems are good and the upload process, the fact that they just upload and not fax and e-mail, was awesome. There was no back and forth. The application process was easy and the rate I got was outstanding.
Reviewed Dec. 23, 2017
I looked into a refinance when my ARM was coming due. I went through LendingTree and they gave me a bunch of different lending providers. AmeriSave seemed on the ball with me, so I decided to go with them. The refinance process was easygoing. I dealt with Travis and he guided me through the process and sent me all the forms. I uploaded the documents or emailed these to him. I signed the forms that were emailed to me, scanned these, and sent these back to him. I also supplied electronic signatures for the online forms. I was impressed that the rep followed through and got right back to me. I liked the way he took care of things. The process went very smoothly and there were not too many questions. I’d tell a friend who might ask me about my experience with AmeriSave to give them a try.
Reviewed Dec. 23, 2017
With AmeriSave I was able to take some money out of my house for us. My wife got cancer this year so we got some of the equity to pay doctor bills. They helped us achieve us that goal. I hung up on by three other mortgage companies, then I spoke with Benjamin from AmeriSave. He was laid back and very personable. He was the reason that I didn't hang up on him. He was also knowledgeable and knew what he could offer me and could give me. He knew the process and made it very painless, so it went so smoothly. Benjamin and Ian were both exceptional guys to work with. Their rates seemed to be competitive with all things considered and it's what I wanted. If my friends ask about AmeriSave I'd give them Benjamin's number and I'd have them call him.
Reviewed Dec. 23, 2017
In just under 3 days, I was done with the application and underwriting process with AmeriSave Mortgage. I applied for the conventional loan program with them and did everything online. And the application process was very easy. All I did was fill out the application and then uploaded it back. I worked with Rob and his timeliness was impressive. In addition to their professional and courteous customer service team, the rate I received from AmeriSave was very competitive.
Reviewed Dec. 22, 2017
Jacob and Mac were very helpful and responsive. The online system is very user friendly making it easy to upload documents and to see where you are in the process. My realtor even commented on how easy your professionals were to work with. I would recommend your services to others. Thanks to your team for making everything happen...
Reviewed Dec. 22, 2017
It was a great experience with AmeriSave. I worked with two ladies and I can't say thank you enough to their customer service, it's unbelievable. I submitted the necessary documentation, filled out application, and that's it. It was very easy to apply and to understand the book, and everything was online. They contacted every time they needed some additional stuff, and I did send queries and communication through phone or email, then I got an answer right away.
Reviewed Dec. 22, 2017
I was trying to find the cheapest rate in refinancing and I had a conversation with the gentleman from Amerisave Mortgage and the offer was right. I waited a couple of weeks before I got back to them again and refinanced with them. Their application process was easy and convenient for someone who doesn't know much about computers. The whole process took a couple of weeks because there were things pending but they did everything promptly. Their reps were very helpful, very nice and polite. They did a fantastic job. I was most impressed by one of their rep's professionalism. He was right on top of everything. We're not used to processing online or on the phone but he assured me everything was good. I was very comfortable after I got all his information. I'm very happy with AmeriSave. They were prompt in addressing my questions or any of my concerns. I would definitely recommend somebody to use them.
Reviewed Dec. 22, 2017
So far, we are satisfied with the cost of the service with AmeriSave. We want to reduce on our monthly payment so we refinanced with them. As far as the person I spoke with, they were good and we were very satisfied working with AmeriSave.
Reviewed Dec. 22, 2017
My wife passed away this year. We had life insurance and I was paying down the mortgage and getting a 15-year rate. I wanted to get something before the rates went up. I wanted to take the 15- year loan and make it a 10-year loan. But I made a mistake of putting out something on the web as I was looking to refinance because I got overwhelmed by phone calls. That was a mistake. I interacted with three or four lenders and Amerisave had the best rate. I really liked their online process, it was smooth so I refinanced with them. I was also trying to work with a local bank and if I had waited a lot longer, they probably would have matched the Amerisave rate.
The closing was very simple, which I liked. However, there was a complication with the closing in terms of the communication with Wells Fargo Mortgage. There were discrepancies about what the actual payout amounts and I ended up overpaying but I finally got those checks back. It got a little messy there at the time but the people that I worked with in Amerisave were great.
Reviewed Dec. 21, 2017
I have used AmeriSave before and I had a good experience. I got a mortgage from them that I've used to buy a new house. Their online application process was easy. This time around, it got a little bit more seamlessly. I had no concerns about the closing date but I didn't know if I was going to close until the closing date. It was much more stressful because we were closing on my house. The goal was to close on one and move in the other on the same day. I would have been homeless.
However, my realtor got involved and it happened, so I'm pleased. The ladies at AmeriSave worked hard to ensure that and it did happen. I know there were three ladies that I was working with. Rebecca was the first person I initially dealt with and I have worked with her for three months. Once everything was initially approved, I started dealing a little bit more with someone else because she was in charge of getting all the required documents necessary for the underwriter. One called me at 8:00 at night. I know she was working long hours just to make sure she had everything that she needed to get it approved. I occasionally heard from someone else if either one of them were unavailable. I hope I don't have to move ever again but if I have to do it again, I would put them to use again. I would definitely recommend them.
Reviewed Dec. 21, 2017
I bought a house. When I answered my phone, there was a number that I didn't recognize. He told me who he was, what he was doing and gave me a little bit of information. He said he could save me about $2500 on my closing costs and I said, "Okay." He did my credit check and he gave me pre-qualifying letters too. I found the house that I was interested in that I could give to AmeriSave to let them know I was serious and pre-qualified. It took about two months and I was selling the house on the flipside, as well as out-of-state. I had relocated due to a job so I had to sell that one first.
I talked with AmeriSave representative and said that everything that I would make on the house that I was selling, I wanted to roll over at the down payment and go to all my closing costs so I didn't have to deal with anything upon closing a new house with them. I ended up taking home about $10,000. I would have preferred to go on the mortgage so my loan was less. I went through AmeriSave Mortgage application process with the person that I spoke with. After that, I went in and just put in the numbers that I was estimating and to see what my mortgage rate was before I actually locked in a rate.
Their rep was very accommodating and patient with me. I actually ended up changing my mind on the type of loan I wanted and was able to change that, and still, at the rate that I was looking for or had locked in. He was great and the rate was fine. The process was like 'hurry up and locked in the rate' and after I did it, it went down. But I still got a reasonable rate and nobody can foresee that so I understand. And the rep wanted to make sure that we're trying to get the best rate.
Under these circumstances, AmeriSave should clarify what the loan amount is before they do the final loan. They were saying that I had estimated and that I wanted my loan to be $240,000 when I wasn't really sure how much I would be making from the closing costs on the other house. So far, my loan has been completed and now I have to pay taxes. Nonetheless, I would recommend AmeriSave to a friend.
Reviewed Dec. 21, 2017
AmeriSave popped up during my online search and I answered a couple of short questions. The following day, Sunday, Matthew called and asked some questions like if I was looking to buy a home, which I was, and if I had a home in mind. Everything was pleasant from the beginning. After that, all the other mortgage companies started calling. But I already had a good rapport with AmeriSave so I stayed with them and got a conventional loan. I liked their online application process and with the underwriting process included, it took about 20 days. We were also in contact with the person who helped us during the entire process. He called and checked up on us if I needed anything. AmeriSave provided over the top and exceptional customer service.
Reviewed Dec. 21, 2017
The guys I worked with at Amerisave were great with communications, sending stuff back and forth, and getting everything processed quickly. I was very happy working with them. They were very quick to follow up and responded whenever I had a question or a concern or I needed to get something done. They processed everything very timely. I'm very satisfied and I would recommend Amerisave.
Reviewed Dec. 20, 2017
Unfortunately I actually found Amerisave on consumeraffairs.com where it had good reviews. I am a millennial and knew better than to trust the word of one website - this time it bit me in the butt. Use them at your own risk. You will ALWAYS receive a quote that is less than average... Why do you think that is? The devil is in the details. They are a bait and switch scheme. They take your credit card info stating that it is necessary to "lock" your rate in and setup an account with the appraisal company. That is NOT industry practice, and the appraisal company they use, Novo, is not only affiliated but owned by the same person Patrick Markert.
Luckily I learned a few things before dropping out of law school, so I only dealt with these people via email to have it all in writing. They charged my credit card for the appraisal, and did not comply with the "hold" promise they made. I have emails detailing that I did NOT want an appraisal ordered until I did my personal inspections on the property. Mark ** (loan officer) promised it wouldn't be done. Lo and behold, they lied. So I asked for a refund, I have emails promising a refund - lo and behold they lied again. Then the funniest part is they have a guy named Matt ** call me - like sending a goofy monkey to do damage control. The guy dripped used car salesman stench through the phone, it's funny how worked up liars and thieves become when they know they are wrong and backed into a corner, so I hung up.
Yesterday I filed a complaint with the feds (CFPB) who by the way found them guilty of ILLEGAL bait and switch tactics less than 36 months ago when they were fined $19 mil - consumerfinance.gov/about. I also called the state they are licensed in, Georgia Dept of Banking & Finance and filed another complaint. Then for good measure I called the state of California Dept of Business oversight (since I live in CA) and filed a complaint with them as well. Lastly, I sent all the emails and evidence of the bait and switch scam to American Express and requested a charge back. Between all this, I expect I will get my money back.
Reviewed Dec. 20, 2017
Amerisave had the numbers that fit my need. I needed to refinance and I did not have any complaint about their process in obtaining my mortgage. The rep I dealt with was fine too.
Reviewed Dec. 20, 2017
Everyone I dealt with at AmeriSave was responsive and understanding of my concerns. As with most loan transactions involving property, there were a few hiccups along the way, but those working with me responded promptly to my questions and concerns ensuring the process was smooth. They provide an extremely easy to operate online portal to collect information which speeds up the process and allows real-time access for the client to check on the loan status at any time. Nicole ** was my processor. She was very attentive and reassuring when necessary. She always answered my questions quickly and thoroughly. Anthony was my main representative. He explained the different rate options better than any of the competitors and he was also prompt in responses. I highly recommend working with this company.
Reviewed Dec. 20, 2017
We wanted to refinance and Amerisave Mortgage offered the best rates at the time. Everybody I talked to was nice. When I had questions about items or they had questions for me, we would talk on the phone and they were very quick to get everything done. They didn't waste time and it was a fast process especially since we could do everything online.
Reviewed Dec. 20, 2017
My mother had a fairly serious stroke and it required her to have care. And In order to get her back home, we had to refinance and pull some money out of our equity. There was a bunch of different steps I had to take. I had to get a power of attorney as part of the process of obtaining the mortgage which helped me get the loan acquired. She still had to sign all the documents which she was able to do, but it took a little bit longer. After doing my part, I went to LendingTree and put in the information. And a guy from AmeriSave was the first one to call me and sent me some pay years. He was professional and upfront with the information so I went with him.
I got a standard rate but it was a good one. The process was easy but there were some hiccups. My mother was retired and we had to verify her income, and they helped me look for the information I needed. They were really patient and always upbeat. They were always prompt, work late hours and they always get back to me. I had a good experience with them and they should continue their friendly service. I would refer my friends to them.
Reviewed Dec. 20, 2017
I was getting ready to retire and I want to put everything together so I went to AmeriSave Mortgage for consolidation. The biggest thing for me is that they were the first company who got back to me. Then they took care of everything right from the beginning. The rep took the information down. They took care of the paperwork and started the loan process fast. And it went right though. I didn't have to sit around and wait. The process is very simple and I would recommend them.
Reviewed Dec. 20, 2017
My brother-in-law uses Amerisave with their mortgage so I got a quote from them too for a home I just purchased. They gave me a quote on the cost of the loan, the interest rate, the fees, and I got several other at the same time and I ended up choosing Amerisave and from that point on my interaction with their rep was all by phone calls and emails with the information they needed to fill out the application.
Everything happened really fast. Originally, I was going to go with multiple parties on the loan until I got up here because I moved out of state. I didn’t have all the funds available for my down payment to be that quick of an escrow but as the process went on, my house that I currently own was sold so I was able to flip everything over to just me solo on the loan and they made it very easy for that to happen. We went through the process in 17 days and finished.
I was completely surprised that we closed that fast and so everything happened as I expected. I had a couple of different people that I work with. One of them ended up going on travel so I worked with another individual and they kept the ball rolling as best they could. The experience was all seamless for the most part. They were very responsive to my phone calls and emails.
There might have been once or twice during the process where I might have wanted information quicker but I can’t honestly discredit anything they did. I know it was a very short time frame and I’m not the only person they were dealing with. I’m happy with the overall rate and all the fees that were involved. As far as I’m concerned, I made the best choice. Unfortunately, the loan already sold before I make my first payment so I won’t be staying with Amerisave because they sold the loan already but as far as getting to that process, everything worked great.


