AmeriSave Mortgage Reviews
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About AmeriSave Mortgage
AmeriSave Mortgage Corp. (NMLS #1168) is an online, direct-to-consumer lender that offers home purchase loans in 49 states and Washington, D.C. The company also has refinance options for those who want to adjust their rate or term or take out cash. AmeriSave has helped over 730,000 borrowers, funding over $130 billion in loans since it was founded in 2002.
- Customized rate quotes in minutes
- Lock in rate for 90 days and shop homes
- Loan officers available to answer questions via chat
- Closing in as little as 25 days
- Not available in New York
AmeriSave Mortgage Reviews
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- 4,882,006 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Sept. 19, 2013
I'm glad I found Amerisave! The process has been easy and understandable, and I get prompt and courteous replies to my questions along the way. I wish I had found Amerisave sooner!
Thanks! We appreciate your feedback!
Reviewed Sept. 19, 2013
I enjoyed tremendous positive experiences with AmeriSave in securing a new loan for my house. It was easy and convenient shopping lowest rates and submitting loan application online. Everything was pretty much handled efficiently and effectively online. AmeriSave representatives were exceptional and professional in securing my loan on time for closing. I want to particularly mention Mr. Sean ** and Charmaine **. They worked very hard to ensure I get the new loan. They were precise letting me know exactly what documents were needed from me. Once all documents were in place, closing was completed expeditiously. I really impressed of their professionalism. Kudos to both of them!
Thank you very much!!! We are so glad you had such a great experience with us! Thanks again for your feedback!
Reviewed Sept. 19, 2013
I learned about AmeriSave through an internet search engine. I was looking for a low cost mortgage loan with an online application process. I filled out the initial quote on the AmeriSave site and received an offer of a low interest rate with very reasonable processing costs. I was contacted via email by an agent and they explained the application process. I submitted all the needed information by uploading it to a website database and when I had questions, they were promptly answered by my loan application agent. The review and approval process took about three weeks and I was provided updates at key points along the way. A representative of the company came to my home for the final signing of documents so the entire process occurred in my home and on the internet. The funds were disbursed via overnight mail in the form of a check that cleared immediately. I was very satisfied with the entire experience and will use them again when this mortgage is paid off. I have attached a photo of the vacation home we built with the loan.
Thank you for allowing us to provide your service! We hope you're enjoying your vacation home!
Reviewed Sept. 18, 2013
Over the last 3 years I have refinanced with Amerisave 4 times and overall the experience has been very good. The communication flow is active. It is clear on the documents that need to be completed and by when along with the supporting documents required to verify income, assets and liabilities. Amerisave cover all bases and have the lowest rates within the industry.
Great! Thank you for allowing us to provide your loan service!
Reviewed Sept. 18, 2013
From beginning to end, the entire process, communications, professionalism and closing went incredibly smooth. It was the smoothest experience in 5 closings we ever had. Thank you.
Thank you so much for choosing us! We appreciate your feedback!
Reviewed Sept. 18, 2013
This is the 2nd time I have done a refinance, both with web-based refinance companies. The customer service was great and I always had someone to answer my questions. Emails and phone calls were returned quickly, often immediately. In addition, the rates were about the best I could find. I will look to Amerisave in the future as well.
Thank you! we truly appreciate your business!
Reviewed Sept. 18, 2013
We went with Amerisave for the mortgage on the house we were buying because they gave us a great rate and had low closing costs. Always a lot of documentation to do to buy a house and I liked how you could go online and see what documents they had received and what you still needed. Also liked how they showed you where you were in the process. Having information is key and you could access that online and not have to try and get someone on the phone. There was an issue at closing the underwriters didn't get done in time so the closing was moved 3 days back which was fine with us. It was a short turn around in a busy season with Thanksgiving just before closing so that's why they missed the deadline. All in all, Amerisave was a great experience.
Thank you! We appreciate that you chose us to provide your service!
Reviewed Sept. 18, 2013
I had a great experience Amerisave. The refinancing loan went through quickly and there were no problems.
Thank you for your feedback!
Original Review: Sept. 18, 2013
Started refinance process with Amerisave in 07/2012. Things started pretty smoothly until a few months after. Apparently there was a problem with our appraisal and the type of home that I have. Because of this confusion, my first refinance fell through despite how positive my mortgage advisor was. What was so disappointing with process the first time around was the loan processor changed twice and was really difficult to get in touch with. A week after that horrible experience, I received a call from my mortgage advisor. He was also baffled why my refinance did not go through. He convinced me over the phone to do this once again and he is going to put his superior in the loop to keep the ball rolling. With a bit of trepidation, I foolishly said yes, and in the end it paid off.
This second time around, the experience was totally the opposite of the first. I worked with Daniella as my loan processor. She kept me informed and tried to help me figure out the best way to save more money. She worked well with my mortgage advisor, Eugene **, and was able to close the deal in a little over a month. They also helped me with getting a free re-appraisal and credit score pull, because they felt that the failure of my first application was none of my fault. For me, they were able to get the job done the second time around and I was a happy camper. If only I experienced the same thing from the get-go, I would have given then a Highly Recommended rating.
Thank you for your feedback! There should have been an available, and consistent point of contact for you throughout the process. We sincerely apologize if this was not the case. We are glad that we were able to help you refinance successfully!
Reviewed Sept. 18, 2013
Great to do business with. Easy, flexible. I can do the uploads and paper work at my leisure.
Thank you! We appreciate your feedback!
Reviewed Sept. 18, 2013
AmeriSave offered significantly better rates for my refinance than my previous lender, as well as other options I evaluated. The online document management system made it easy to submit required documentation, and check on the status of my loan application. Overall, they moved faster than any other lender I've ever worked with - I was happy with this, but it might be a challenge for some folks, as they wanted all of the initial documentation within 72 hours. If you're organized and ready to go, I definitely recommend AmeriSave.
Thank you for allowing us to provide your service!
Reviewed Sept. 17, 2013
We refinanced with Amerisave in March 2013, and our experience was flawless. Our mortgage processors communicated with us and provided us with all the information we needed, and they did so promptly and clearly. The process took 3 weeks from start to finish. Amerisave's secure web interface was user friendly and enabled us to exchange documents with speed and ease. We have had no issues with our new mortgage.
Thank you so much!!! Glad that you enjoyed our service!
Reviewed Sept. 17, 2013
Easy application, attentive and helpful account manager. Very good process and outcome. Totally satisfied!
Thank you!
Reviewed Sept. 17, 2013
Amerisave was wonderful and met all of our expectations and more! Our contact person was always available to us and provided great customer service.
Thank you! Thanks for choosing us!
Reviewed Sept. 17, 2013
I refinance my house through Amerisave. Not only did I get a great rate but I cut 7 years off my mortgage, got cash back and still pay the same amount on my mortgage that I always have. The service was top notch and quick. The online website explained everything I needed to do and was hassle free.
Thank you! We are glad to hear that you enjoyed your experience with us!
Reviewed Sept. 17, 2013
I was very pleased with our refinancing experience. We shopped everywhere and could not find a better rate. Everything went seamlessly and our loan closed within three weeks.
Thank you for choosing AmeriSave!
Reviewed Sept. 17, 2013
I'd like to finally write my open and honest final review of the process I went through in obtaining my house and mortgage. Firstly, if it were not for Camelia ** you would never had my business to begin with. Camelia was friendly, always available (I'm talking crazy hours) and always kept me in the loop on the process. When I had some doubts about legitimacy of AmeriSave and the process, she always gave me confidence that it was fine. She was informative and never grew tired of me despite the fact that we essentially went through 2-3 loan starts before finally going through with one, none of which was AmeriSave's fault, it was always the seller's issues. Camelia was patient, compassionate and is truly an asset to AmeriSave. I can honestly say I've never met someone so dedicated to not only their work, but also in making customers happy and sharing emotions in the process as if it were her own personal loan.
To the naysayers who think AmeriSave is just here to take your appraisal fee and credit fee, you are wrong. If you find yourself in this position it is either because you are incompetent in dealing with electronic filings, you were a bad candidate for a mortgage or the evaluation of the home is far less than what you think and you don't have enough of a down payment. However, if you are the typical buyer, putting a sufficient amount down the process is fairly simple and streamlined. Granted, new regulations require the utmost ridiculous amount of information, verifications and documentation. This is nothing unique to AmeriSave and you'll find this across the board nowadays.
If rates were to ever come down again below my current rate (which may not ever be likely since AmeriSave always has hands down the best rates across every single lender I've seen to date), I would have no issue refinancing in a second with AmeriSave. Thank you AmeriSave, you have my complete and utter recommendation to all potential buyers. I will absolutely advise family and friends to use you, but remind them that this is a self-service and while you'll be guided along the way, you have to play an active role in sending in your documentation. For someone like me who has no issues with electronic documentation and scanning, this is actually preferred. Again, thank you for your great rates and smooth process. I had my doubts (fueled by overpriced brokers who try to downplay AmeriSave in order to keep their shot in the game), but in the end you proved that the process is legitimate and smooth.
Thank you for your feedback! We are so glad you enjoyed your experience with us!
Reviewed Sept. 16, 2013
This is the 3rd time I've used Amerisave and the service was outstanding!!! John ** took great care of me again. Communication was excellent and expectations were exceeded.
Thank you very much! We were glad to provide your service!
Reviewed Sept. 16, 2013
Excellent service, very responsive, courteous. Love the charts that break down the interest rates.
Thank you so much!
Reviewed Sept. 16, 2013
Outstanding service, rapid closing, professionalism all the way. I would recommend to anyone needing to purchase a home or refinance.
Thank you!
Reviewed Sept. 16, 2013
I did my refinance in this summer, for my experience with Amerisave was excellent. The people working with Amerisave are all very friendly and very responsible. They gave me a lot of advice and made a good deal for me. I would like to thank them a lot for their hard work and recommend Amerisave to my friends.
Thank you for allowing us to provide your loan servicing!
Reviewed Sept. 16, 2013
I have refinanced our home mortgage with Amerisave twice in 3 years. Both times it was quick and painless with no significant problems and an outstanding rate with reasonable closing costs. Easily a 5 star experience. I will add that we have excellent credit, knew what to expect, and had collected all possible documentation before starting - things that would make a refinance go more smoothly with any mortgage company. I do not know if Amerisave would be as good if you need more hand holding. They might or might not be - all I know is that it was a great experience for us.
Thank you!!! So glad that you enjoyed your experience with us!
Reviewed Sept. 16, 2013
I've done two refinances with Amerisave and both were great. Not only are their rates the best, but from the application to the closing, it couldn't have been any easier. Their website makes it very easy to know what's needed and upload all the required documents and a loan processor is just an email or phone call away. I highly recommend them.
We appreciate your business!
Reviewed Sept. 16, 2013
Overall, I had a pretty good experience getting my loan with Amerisave. It's not for everyone, as you will have more responsibility gathering documents and really knowing exactly what you're trying to accomplish with your loan. It can be frustrating going back and forth getting them all of the information they require. For me, I knew what I wanted, and they had the best rate I could find. It took a long time to finally get the loan, but they extended the rate with no fee to me, and eventually I did get the loan and the rate I wanted.
Thank you! We're glad you enjoyed your experience with us!
Reviewed Sept. 16, 2013
Fast response and very easy. I have done several loans in person that were not as easy.
Thank you, we appreciate it!
Reviewed Sept. 15, 2013
Application process was too involved...too many hoops! Closing was uncomfortable since we had no representation.
We appreciate your patience with the application and paperwork process. We hope you still enjoyed your service with us!
Reviewed Sept. 15, 2013
Overall, my experience with Amerisave was okay. The online user interface took some getting used to, but then it was easy enough. You will need a scanner and fax handy though. I felt that my mortgage processor could've been more informative, that would've helped. The closer, Jaime, was awesome, which made up for a lot. Overall, I give Amerisave 3 out of 5 stars.
Thank for your feedback!
Reviewed Sept. 15, 2013
My wife and I decided to look into refinancing the mortgage on our house in late February of 2013. After several contacts with Mortgage companies by phone and online, it became immediately obvious that Amerisave could provide the best rates. It also sounded like almost everything could done online. So we filled out the application and 4 weeks later we were closing on the loan. The closing was done in our home and that was the only part of the process that we were not able to do online or by phone. I am very happy with Amerisave and would recommend them to anyone considering a refinance.
Thank you! We truly appreciate your business!
Reviewed Sept. 15, 2013
We now have our 3rd mortgage through Amerisave since 2009, and soon will apply for the fourth. We saved thousands of dollars, and I don't feel that I had to do extra work to do so. Our experience with their appraisers was very positive. At the time of our latest application, we were not able to lock in right away. This made us quite anxious, as rates were very low. Yet, when we were finally able to lock, we got an even better rate!
Great! We are glad you enjoyed your experience with us!
Reviewed Sept. 15, 2013
AmeriSave was an incredible company to work with. I not only saved a good deal of money but was treated with a high level of respect and professionalism throughout the entire process. I appreciate how responsive they are/were and support me throughout the entire process. They were easy to contact and always answered questions in a timely manner. I would highly recommend AmeriSave!
We appreciate your business!
Reviewed Sept. 14, 2013
Amerisave was easy to deal with and responsive. We switched processors halfway through the documentation process however, which caused a delay and almost caused me to miss my closing date. Other than that they were responsive.
Thanks for your feedback!
Reviewed Sept. 14, 2013
The entire loan application experience was fantastic. The automated mortgage processing was fast, accurate and very efficient. The cost of each loan program was transparent, and as consumers, lots of anxiety was relieved through our ability to follow the progress of our application at each stage as well as having control over the locking rate option of our choice. I also got excellent service from all loan agents with prompt, professional and courteous help with all questions. Amerisave Mortgage is definitely among the best loan financing brokers in the market!
Thank you for your Feedback!
Reviewed Sept. 14, 2013
I've done at least 4 refinances in the past; but my most recent refinance loan through Amerisave was different from all the rest - way different - way better. Everything was done online - Everything - No Mail. Everything was quick - real quick. As long as I provided everything that was asked from me promptly which I did abide by. I applied on a Friday, and a guy was at my house Monday appraising it - Remarkable service, remarkable efficiency. Truly, I've never experienced anything like it in the past. Everything, I mean everything was fantastic, the efficiency, the speed,the fast responses, the lowest interest rates. I don't know what else to say except try it yourself and see if Amerisave is not the best experience you'll ever have going through a refinance or new loan.
We're glad to help service your loan!
Reviewed Sept. 14, 2013
Amerisave was fast, accurate and customer focused. I commend for its services and values to the community.
Thank you!
Reviewed Sept. 14, 2013
I have done 3 loans with Amerisave and would definitely do business with them again. The best thing about Amerisave is they offer great rates, give you tons of flexibility to customize the loan to fit your needs, and give you an upfront accurate estimate of what all of the costs will be with no surprises. My only gripes would be that it sometimes takes a while to get your mortgage processor on the phone and they don't have backups that can help you in the meantime. They are extremely thorough in the approval process and require to see the same information from several sources (ex. W2, payroll stubs, tax returns, etc.). Some of it seems like overkill and a nuisance but it may be like that everywhere post financial crisis. Overall, I've had a positive experience with them.
Thank you for your Feedback!
Reviewed Sept. 13, 2013
We are very satisfied with our service. It was a quick and easy process. We recommend it to anyone who wants to refinance.
We are glad that you were satisfied with our service, we appreciate your business!
Reviewed Sept. 13, 2013
Overall good experience with this loan. I did have some difficulty getting my final approval based upon some documentation issues with the underwriter, but they were resolved. What was great was Amerisave honored my rate lock and didn't charge an extension for going past the original time commitment. So overall I'd definitely use Amerisave again.
Thank you! Glad you chose us!
Reviewed Sept. 13, 2013
Amerisave is the fastest and easiest online mortgage broker I've ever dealt with. Great service and even better rates. I'd highly recommend using Amerisave for your next mortgage.
Thank you for your Feedback!
Reviewed Sept. 13, 2013
Had no problems! Fast and simple. Nothing unreasonable to complain about. With everyone refinancing for lower rates, it would be seem some customers want everything now. We are totally happy with our experience.
We appreciate your business!
Reviewed Sept. 13, 2013
Amerisave was easy to work with and answered all my questions. They were professional and closed my loan in a timely manner. I highly recommend them.
We're glad you had an great experience with Amerisave!
Reviewed Sept. 13, 2013
I have done numerous loans through Amerisave and NO ONE can beat their rates. I got 5000 dollars towards closing with a 3.25% rate last December, which covered all my closing costs. I highly recommend Amerisave.
We appreciate your Business!
Reviewed Sept. 13, 2013
I love Amerisave and have excellent experience with this lender.
Thank you and Thanks for Choosing Amerisave!
Reviewed Sept. 13, 2013
I was very happy with the experience and will use Amerisave again if and when I move.
Thank you for your Feedback!
Reviewed Sept. 13, 2013
I have refinanced my home several times in the past 3 years and each time with AmeriSave. Each time my experience has been outstanding. Everything was done online, all requests were made and completed through emails and schedules were met. They have the lowest rates/out-of-pocket costs compared to others and that was one of the main reasons I used Amerisave. Each time my out-of-pocket costs were minimal or none as described. I would recommend the service.
Thank you for your Feedback!
Reviewed Sept. 13, 2013
I would recommend AmeriSave to others. The process took far too long, but that was the result of extraneous factors beyond their control.
Thank you, we appreciate you!
Reviewed Sept. 13, 2013
I refinanced home this last spring from 4.5% to 3% on a fifteen year loan and paying bi-weekly. The people were great and easy to work with. The reason there is no five stars is due to outrage expenses and all of the legal forms.
Thank you for the feedback!
Reviewed Sept. 13, 2013
Rob has been an excellent guide through the process of refinancing my home. He is an excellent communicator who has responded immediately to my questions with thorough, understandable clarification. AmeriSave makes the entire process painless. I've been able to submit all required documentation online. When the loan closes the closing attorney will come to me! This enables me to enjoy the benefits of dealing with a national company without the need to take a day off work and make the 70-mile drive to the city. Thank you, AmeriSave.
We appreciate your business. Thank you for choosing Amerisave!
Reviewed Sept. 13, 2013
Both times have been positive experiences. We got great interest rates and the process was pretty smooth from start to finish. The employees at Amerisave were very professional and always quick to respond to any issues. Did have a problem with first one not being properly recorded, but not sure who was responsible for the mistake and it was quickly resolved.
Thank you! Glad you enjoyed your experience with us!
Reviewed Sept. 13, 2013
I would have to recommend Amerisave. I got them the documentation they needed, and was able to complete the refi process (2nd one with Amerisave in 3 years) in a relatively short period. They will have saved me an unbelievable amount of money over the long haul.
Thank you! So glad we could help!
Reviewed Sept. 12, 2013
AmeriSave was recommended to me by a good friend who works in the financial industry. I knew that he did his homework before choosing AmeriSave, and after checking it out, I decided to go with AmeriSave as well. Great decision. The simplest way I can put it is that AmeriSave had the best rates, the lowest fees, and great customer service throughout. We moved through the process quickly and had everything ready to go well in advance of my closing date. Their website made it very easy to understand the process and for exchanging the necessary information. I am very pleased that I went with AmeriSave. I will definitely use AmeriSave again in the future, and I have already recommended them to a friend who has chosen them as well.
Thank you so much! It was our pleasure to provide your loan service!
Reviewed Sept. 12, 2013
I refinanced with Amerisave this year and it was the easiest and professional process ever. They closed exactly when they said they would. They walked me through it on all line and when I had questions, I could speak with someone on the phone. I would absolutely recommend Amerisave over any other refinance company. I have told my friends if they refinance to go to Amerisave.
We appreciate your business!
Reviewed Sept. 12, 2013
I decided to do my mortgage through Amerisave after a recommendation from my parents (they refinanced through Amerisave). I originally was attracted to the lower rates, but the service has been excellent as well! The loan processor responds to my questions quickly, and keeps me on track to make sure I have everything submitted on time. The website is also very helpful, as it provides step-by-step instructions throughout the loan process. I would recommend them to anyone looking for a mortgage or refinance!
Thank you for those compliments! We appreciate you and your business!
Reviewed Sept. 12, 2013
We had 30 years mortgage with 4.5% APR and decided refinance for 15 years to take advantage of low rate in spring of 2013. As soon as we completed request thru Quickloans.com we get at least 10 calls from different lenders, one of them was Amerisave. The call from Amerisave was in a middle of this stream of calls. The Amerisave offer was the best - we get 2.75% with 0 points and 45 days later we signed our papers. Everything was easy from uploading all required documents on the website to contact if we have any questions. Thank you Amerisave.
Thank you very much! Glad to help!
Reviewed Sept. 12, 2013
Great rates, no junk fees. Professional staff who can handle customers as they go through this stressful process.
Thank you for your feedback!
Reviewed Sept. 12, 2013
Very satisfied. Happy with the whole process. Lots of paperwork needed but all mortgages require that. I would definitely use them again. I like the feature that you can check current rates without submitting all your personal info. Allows you to make a relaxed decision with no pressure from loan agents.
Thank you for your Feedback!
Reviewed Sept. 12, 2013
It was fast, easy, accurate and we feel like we got a really good deal on our mortgage rate. There was no problem getting our appraiser out at our convenience, nor was there any hassle getting the notary to come to our house at a convenient time for my husband and me.
Great! We're glad you had a good experience with our team and thanks for choosing Amerisave.
Reviewed Sept. 11, 2013
Amerisave was very professional and made closing a loan very easy.
We have a very professional team and glad that you had an great experience with us. Thanks for the response!
Reviewed Sept. 10, 2013
Our initial experience with the application process was simple and went well. We closed within our initial request of thirty days. As with most loans, there were a couple of anxious moments; however, the team worked quickly to get them resolved. I would definitely consider using Amerisave again.
We thank you so much for allowing us to provide your service!
Reviewed Sept. 10, 2013
Last fall, I refinanced two homes with Amerisave Mortgage. I was attracted to Amerisave because of their excellent rates but I also found their service and professionalism to be excellent. Both refinancing experiences went smoothly; in fact, the Amerisave staff worked extra hard to minimize the paperwork I needed to provide on the second home by duplicating my paperwork from the first home. The staff were responsive to my questions, explaining everything I needed to know in a prompt and clear way. They worked quickly and efficiently to keep the process moving forward and to make sure everything was completed by within my 30-day rate lock period so we could close the mortgage on time and without any problems. Overall, I was really pleased with my experience with Amerisave especially given the great rate they provided me with.
Thank you, and thank you for choosing AmeriSave!
Reviewed Sept. 10, 2013
I have been very happy by Amerisave services. I was able to create application online and work with Amerisave staff. They guided step by step on entire process. Prompt in replying email and phone calls. Also I was able to get great interest rate.
Thank you! We're glad you enjoyed your experience with us!
Reviewed Sept. 10, 2013
Amerisave offered a fast, hassle free quote. Banks and mortgage brokers want to haggle over closing cost which is annoying. Amerisave held true to the good faith estimate and was actually slightly lower. All the documents needed could be scanned and submitted online which was easy. Best part for me is the closing attorney comes to the house and I never had to leave the house for any part of the refinancing. The customer service is great if you have questions. I would definitely recommend Amerisave to anyone. They are by far cheaper and have better rates than banks or other mortgage companies.
Awesome! It was truly our pleasure to help!
Reviewed Sept. 10, 2013
I found the people and process at AmeriSave to be quite satisfactory. I would recommend AmeriSave to anyone interested in refinancing.
Thank you for the recommendation! We appreciate it!
Reviewed Sept. 10, 2013
Fast and accurate service. They have answered all of my questions up front and have worked with my unique situation.
Thank you!
Reviewed Sept. 10, 2013
Fast, friendly. I was nervous at first because everything was done online or through email. But their quick response, and willingness to help (and low rate of course) made it very easy to work with.
Great! Thank you for choosing us!
Reviewed Sept. 10, 2013
My experience couldn't have gone more smoothly. Quick responses to my questions, addressed any concerns I had. Were able to correct a potential snafu midstream. I would recommend Amerisave to anyone who is refinancing.
Thank you! We appreciate your feedback!
Reviewed Sept. 9, 2013
I received a gift card for writing this review, regardless of whether my experience was positive or negative. Three years apart, I refinanced with Amerisave twice. Same excellent service and good experience for both. Everything went smooth and as expected without a delay from beginning to the end. It was not a no fee refinance; however, I checked and their rate and cost were very competitive. I'd use them again if rate goes further down.
Thank you! It was truly our pleasure to help again!
Reviewed Sept. 9, 2013
Everything was organized and easy to follow. Some of the documents seemed a bit repetitive in requirements but overall a good experience. Amerisave provided a rate extension when documents took too long to be received. The website was easy to use and saved time rather than having to go to an office to provide documents. "I received a gift card for writing this review, regardless of whether my experience was positive or negative." Thanks - Amerisave.
Thank you for your feedback! We appreciate your patience with the process!
Reviewed Sept. 9, 2013
If you are comfortable with obtaining a mortgage loan online and over the phone, Amerisave can be a great choice for you. They have great rates. Their estimated fees were accurate. Their website is very easy to use and very user friendly. I hardly had to fax or mail any document. This was the first time I used Amerisave for a mortgage. I had a very responsive and knowledgeable agent at Amerisave who made the whole process quick, efficient and painless. Locked in a great rate for a 30-year fixed loan and the closing costs were very reasonable. I received a gift card for writing this review, regardless of whether my experience was positive or negative.
Thanks! We're very glad you had a great experience with us!
Reviewed Sept. 9, 2013
The service was outstanding and the process couldn't be easier. No fast talk and the rate you saw on the website is the rate you get, no gimmicks. I highly recommend them.
Thank you so much for choosing us!!!
Reviewed Sept. 9, 2013
I've done a lot of refinances over the years and my experience with Amerisave was one of the best. Their rates were extremely competitive and the process was simple and efficient. My loan closed well within the 30-day lock period. Once you apply, simply scan and upload the requested documentation to their secure website. You can check on the status of your loan at anytime. When I did have questions about how to hold the title (I was in the process of getting married during the refi), I received quick and thorough replies to my questions. I'd highly recommend Amerisave to anyone considering a refi. Note that I did receive a gift card for writing this review, regardless of whether my experience was positive or negative.
Thank you for your feedback!
Reviewed Sept. 9, 2013
I appreciate the excellent customer service. The employees are fast working, knowledgeable, accurate and very helpful. All in all a great staff.
Thank you so much for your feedback! We truly appreciate your business!
Reviewed Sept. 9, 2013
I got an excellent rate and closing cost (used 'em twice), otherwise I would not use Amerisave again. Slow, and your experience will vary greatly depending on your assigned processor. I received a gift card for writing this review, regardless of whether my experience was positive or negative.
Thank you! We appreciate your patience with the process!
Reviewed Sept. 8, 2013
Amerisave is a very good company to work with on home financing... I would recommend them highly.
Thank you very much!
Reviewed Sept. 8, 2013
I have been in the industry; I have high standards for customer service. I have no complaints about Amerisave. From their website to their customer service. In fact, I inquired about working there because of my experience.
Thank you for your feedback!
Reviewed Sept. 7, 2013
About a year ago, we refinanced our mortgage with Amerisave. All of the people we dealt with were extremely helpful. We got great advice as to the program best for us. Paperwork was a breeze. Questions were answered in 4 to 6 hours regardless of the day. Closing was painless. I'd use them again.
Thank you!
Reviewed Sept. 7, 2013
I obtained 2 mortgages and did 3 refinancing. So far the refi from Amerisave has been the easiest one. I really like that most of my correspondence was done by email at the pace that was convenient to me. The response time from the reps was extremely fast, including responses during off hours and on weekend. All the initial paperwork was done electronically; everything was uploaded using Amerisave's website. It was easy to track the progress of the application. I worked with processor Dawn ** and she was outstanding!
Thank you for the wonderful compliments!
Reviewed Sept. 7, 2013
Good job Creg. I checked the web site to monitor the APR, but Creg called me right of way and encouraged me to refinance. He really made comfortable to go ahead with the refinance.
Thank you! We appreciate your feedback!
Reviewed Sept. 7, 2013
It took a long time to close the loan even though I had sent my documentation with a lot of time of anticipation.
We apologize for any inconvenience with the closing of the loan. The underwriting process does take some time to review the loan before qualification. We truly appreciate your patience with the process. Thanks!
Reviewed Sept. 7, 2013
I spent a LOT of time researching lenders and I always ended up with AmeriSave. I received a gift card for writing this review, regardless of whether my experience was positive or negative. But that didn't change my opinion one bit. In fact, I enjoyed them so much, I have actually closed multiple loans with them and if I ever need another loan in the future, AmeriSave will be the first place I go. On top of the lowest prices out there, I never had to leave my house!
You can scan and upload all the documents right from the comfort of your own home. You can log on the website and track the progress of the loan, and when it’s time to close they send a closing agent right to your house at a day and time that you choose! Like I mentioned earlier, I used them once and enjoyed them and their prices so much that I went back to them the next time I needed a loan. They also offer several financing options with various interest rates and closing costs so you can pick the option that best fits your needs!
Thank you so much for you comments! Thanks again for choosing us!
Reviewed Sept. 7, 2013
I applied for a mortgage loan for my new home through a local bank which promised great service and low rates and fees. Soon after, I found Amerisave on the internet and decided to give them a shot at quoting their best rate and fees. I was very surprised to learn that I could save over $1000 in fees by going with Amerisave! It was a no brainer. The application and document submission process was easy, and anytime I needed support or a question answered, I got a quick helpful response from a friendly, qualified loan processor. The loan closed on time and I've recommended Amerisave to several friends and associates. I'd definitely use Amerisave again!
Great! Thanks again for choosing us!
Reviewed Sept. 7, 2013
Extremely easy and effective system to electronically monitor all aspects of considering, applying and working through refinance and new mortgage. Personnel interacted with via phone contacts were also very nice, knowledgeable and helpful. Possibly most important, the rates I found with Amerisave were the lowest I could find via checking several major bank rates. Overall just an outstanding interaction. I would and have recommended Amerisave to my friends who are considering refinancing and new mortgages, and I believe several of them have worked with Amerisave as a result. Also, I would use Amerisave again in an instant as my first choice for any mortgage and loan needs.
It was our pleasure to help!
Reviewed Sept. 7, 2013
Could not be happier. Loan closed within 30 days and would have closed within 20 days had I lived in the same timezone. The web portal made the process so simple. Just had to work your way down the list and upload the required documentation. Progress through the loan process is also indicated on the web portal. Communication was excellent via both email and phone. Researched consumer complaints regarding Amerisave from a number of sources and reached the conclusion that if you have a realistic opinion of the value of your home and you can verify your ability to repay the loan, you will have no problem obtaining the advertised rate and closing on time. Thank you for making the refinance of my home a transparent, straightforward process.
So glad you had such a great experience with us!
Reviewed Sept. 6, 2013
Very good response to customers' questions. Require really detail documents and paper works.
Thank you!
Reviewed Sept. 6, 2013
It was a pleasure to work with AmeriSave when we decided to refinance our home. At each step of the way I was treated fairly and instructions were clear. I was very impressed with the two AmeriSave counselors who helped us with fulfilling all the paperwork requirements. They returned all my calls, many times in minutes after leaving a message and much of the time answered the phone at the time of the call.
Of course the biggest advantage to AmeriSave was the access to the lowest interest rates. It's a lot of work to apply and get approved, I'm sure in no small part due to underwriting requirement, but, again, AmeriSave was there to make sure we got through it. We couldn't be happier!
Thank you! It was truly our pleasure to have your business!
Reviewed Sept. 6, 2013
We refinanced our mortgage and locked in a terrific rate. The lady that handled our loan processing was a tremendous help in getting answers to any questions we had in getting to the closing timely. The only thing that I would change is to somehow have the borrower be alerted up front as to all of the needed documentation prior to beginning the lock in process clock.
Thank you very much! We appreciate the feedback!
Reviewed Sept. 6, 2013
The processors were very responsive and timely and computer process fairly clear. Only problems were probably common to mortgage issues nationwide (and may be required by federal guidelines). There were too many duplicative forms, and some of the follow-up questions were things I could have provided more easily when initially pulling documents (and seemed like they should have been predictably needed at outset).
Thank you for your feedback! We thank you for your patience with the entire process.
Reviewed Sept. 6, 2013
The process of applying for a loan was the most informative and the least painful compared to other options I was looking at. Customer Support was available late in the night too to respond to any queries I had.
Reviewed Sept. 6, 2013
I started my loan process in July of 2013. The process itself is not bad as you upload all your required documents to the website. At first my loan processor was responsive and helpful. But then it got ugly. I had a contract on a home in the middle of July and it seemed like everything was fine. We did an appraisal ($450) a pool inspection ($100) and a regular inspection ($450). We were happy with the appraised value which came back at $405,000 and we were in contract at $388,000. I locked in at a good interest rate and was very happy.
We were lead to believe that everything was in order so we began planning upgrades for our new home. We spent hours shopping for our new kitchen, new flooring and landscaping spending another $150 in samples. Then I received an email from my loan processor stating their "appraisal review" came up with a new value of the home at $350,000 and they were not willing to lend more than this. I was completely shocked by this information and didn't understand what an appraisal review was and why it came back $55,000 less than the original appraisal. I was told that they gave the original appraisal to a third party who came to this conclusion without even seeing the house.
I was very frustrated at this point and tried to get a hold of my loan processor to see what our options were. I left voice mail after voice mail after voice mail for not only my processor, but his manager, and also the loan officer. THERE WAS NO RESPONSE FROM ANYONE FOR 2 DAYS. This is what frustrated me the most. I was left in the dark and had no communication with Amerisave. It was finally determined that Amerisave would not lend more than $350,000 for this house even though the appraisal came back at $405,000 and the same house right down the street just sold one week prior for $410,000.
I was in complete shock and lost this home as well as the lock we had on our low interest rate. We also had to find a place to live since our lease was up at our current house and we gave our notice and they had re-rented it. This left us in such a huge jam. We had to put 90% of our things in storage and now we are living out of boxes at a temporary home. Now that we lost this house and the $1150 to go along with it, we had to start over. This is where it seems I made the biggest mistake. I was convinced by my loan processor that what happened to me on the first house was extremely rare and he has only seen that happen 1 other time in his 7 years of doing loans.
With Amerisave's attractive rates and low fees I gave them a second chance and was assured that something like this would not happen again. So now I am currently working with Amerisave again on another home. We went into contract on August 20th 2013 and was told everything from the appraisal looked good and everything was being submitted for final approval. I was so relieved to hear we got past the nightmare appraisal stage. Finally after everything we have been through with Amerisave it seemed like we were on the homestretch to close on the new house. Then I logged into my account online to lock in my interest rate for the second time and noticed that it stated my loan was declined. I thought to myself that this must be a mistake since my processor has been telling me this whole time everything looks good and we are in the clear.
I call him to find out what was going on and it was like déjà vu. No answer, so I left a voicemail. I then called the loan officer and again no answer so I left her a voice mail. Finally I got a hold of the loan officer and I asked her about the decline letter online. She stated, "Oh, your loan processor was supposed to contact you about that." I told her that the only thing he has communicated to me was that everything looked good and we were on track to close. She then explained to me that another third party appraisal was done and they did not agree with the appraiser’s value of the home.
THIS WAS THE SAME EXACT ISSUE I HAD ON THE FIRST HOME AND WAS ASSURED IT WAS EXTREMELY RARE AND WAS ONLY SEEN TWICE IN 7 YEARS!!! I was in complete shock! I explained to her the conversations my processor and I have had and that I was lead to believe we were in the clear. She apologized and said she reviewed my file for both houses and couldn't believe the same issue happened twice. She then said she would see what she could do about trying to get the issue resolved and that she would get back to me. I told her I needed to know right away because if they couldn't lend me on this house I needed to find someone who could.
This was yesterday morning and I called several times yesterday afternoon to see what progress was made. And to no surprise I left VOICE MAIL AFTER VOICE MAIL AFTER VOICE MAIL. I called my loan processor, his manager, the loan officer, the underwriter and even the generic Amerisave number to try to get an answer on what was going on. Not one of them answered, and not one of them called me back. And just a side note, I have called the manager of my loan 4-5 times between the two houses and he has not once called me back. It seems like Amerisave's culture leads to poor communication, if the managers don't call clients back, why would any of their associates call clients back. Currently, as I sit here and write this review I have no idea if this house will go through or not. If it doesn't we will need to find yet another place to live. On top of everything, rates have gone up almost .5% from my original rate lock from the first house. And Amerisave will not honor the original rate lock I had on the first home that fell through.
At this point I blame myself for giving Amerisave a second chance on the new house. I have been advised by many people to contact a lawyer to try and recoup some of the money I have lost due to Amerisave's lack of communication and poor processes. I still don't understand how they can do a "third party appraisal review" and come up with a number that is as much as $50,000 less than what the original appraiser came up with. I understand the concept of a clean loan but come on guys, with my credit score of 770 and two appraisals that came back at a value higher than what I was in contract for, there has to be a way to close this loan. I will continue to try and reach Amerisave today to try to find out what my future holds.
I would not recommend Amerisave for obvious reasons, but really the main one being lack of communication from everyone there. It is difficult losing a house you are in contract on, but even more so when you are left in the dark and it happens twice.
Thank you for bringing this to our attention. We apologize for any discrepancies or inconveniences with the appraisal review. There also should have been an available, and consistent point of contact for you throughout the process. We sincerely apologize if this was not the case. Customer service is very important to us and we truly value your business. Please feel free to contact us at customerservice@amerisave.com so that we can help to correct any of the situation. Thank you!
Reviewed Sept. 6, 2013
I have refinanced my home with Amerisave and I have recommended them to many of my friends. David ** handled my refi and made the process simple and hassle free. Aside from that they had a very competitive rate without all the hidden costs that many lenders throw in. The people that I referred to AmeriSave have been totally satisfied also.
Awesome! Thank you again for your business!
Reviewed Sept. 6, 2013
The refinancing process with AmeriSave has gone very smoothly. The loan specialist helped get me started with the online application process and being able to upload the documentation has been a time saver. I would recommend AmeriSave for home financing needs.
Thanks for choosing Amerisave!
Reviewed Sept. 6, 2013
Great communication! Fast responses and very professional. Exceptional rates. A speedy process all around.
Thanks! We appreciate it!
Reviewed Sept. 6, 2013
My experience was excellent. I always had return phone calls or emails sent in very timely manners. From when I first contacted them and to the final signing for the refinance of my mortgage, which was done at my house and at a convenient time, was just 4 weeks. I have and will continue to recommend Amerisave Mortgage to my friends.
Thank you for your feedback!!!
Reviewed Sept. 6, 2013
They are very professional, fast, and easy to deal with. I like the online upload feature too. My mortgage closed within 30 days. A+.
Thank you!
Reviewed Sept. 6, 2013
I went with Amerisave because I helped my daughter do her San Diego Condominium loan with Amerisave and it was a very smooth process. The website posts rates and all borrower's costs. Because the market was volatile, I checked the rates daily and waited until they were at my target rate and made an application. The secure document upload feature is great for submitting sensitive financial information. I was promptly approved, subject to appraisal, and locked my rate. The appraisal was done the next day. The entire process went very quickly - with fees and charges exactly as quoted on the website. I set up auto pay with my bank and I get a monthly statement that clearly states principal and interest paid. I would not hesitate to recommend Amerisave.
Thanks! We are very glad you chose us!
Reviewed Sept. 6, 2013
I have used Amerisave 3 times for refinancing on the same house. I had a pleasant experience every time. The loan closing process was usually very quick and easy. I recommended to my brother who used Amerisave to purchase a house. I would recommend to anyone.
We thank you for allowing us to provide your service!
Reviewed Sept. 5, 2013
I'm a real estate attorney and title/closing agent. In all my years working with lenders, I have not been as impressed as I have with the service provided by Amerisave.
Thank you for your Feedback! We appreciate your business!
Reviewed Sept. 5, 2013
Amerisave is a great company to work with. The whole process for our refi took about 3 weeks. All my questions were answered quickly and accurately. I would recommend this company to all who are looking for a mortgage.
Thank you very much for your feedback!
Reviewed Sept. 5, 2013
We refinanced our primary residence and a rental property. The process was smooth and detailed. It was up to us to complete the submittals which was terrific, not having to wait for anyone else to do their part. Closed both in 30 days. Professional employees that answered out questions.
Thanks! We truly appreciate you!
Reviewed Sept. 5, 2013
Extremely satisfied to refinance with Amerisave. There is not so many web sites (TOO GOOD TO BE TRUE) that offers such competitive and affordable fee like Amerisave. I am glad to find such great service provider.
Thank you for those wonderful compliments! It was our pleasure to help!
Reviewed Sept. 4, 2013
I had a good experience. The website was easy to use. I uploaded the required docs easily. A person always answered my phone call with a direct line. When I left a message, they called me back the same day. People I talked to were professional and knowledgeable. Could tell they were trying to move the process along. Always contacted me when they needed more information or clarification. Followed up on issues that could have delayed my loan. Also, closing costs I was quoted were good estimates. Free loan!
Thank you for the compliments! We're glad that we could help!
Reviewed Sept. 4, 2013
My experience with Amerisave has been very positive so far. All my questions were answered promptly and I got good response. I liked the entire process. Very thorough.
Thank you for your feedback! We were glad to help!
Reviewed Sept. 3, 2013
The instructions are clear & easy to understand. Whenever I have questions, the loan agents are nice & able to clearly answer my questions.
Thank you!
Reviewed Sept. 3, 2013
We refinanced twice in eighteen months and we were very satisfied with the experience, beginning with the website through the closing. Thank you, Amerisave, and all the associates who helped us along the way in the process and paperwork and offering a terrific interest rate. It was easy and almost stress free.
Thank you! It was our pleasure to help!
Reviewed Sept. 3, 2013
This was my 3rd mortgage with Amerisave and Robert ** is a great guy to work with. Robert is very helpful and makes the process very easy. Amerisave is very thorough with documentation (as it should be) but they do offer one of the best mortgage rates in the industry. Robert and Kristen got my loan approved in 2 weeks. I would strongly recommend Amerisave and Robert.
Thank you so much for the compliments!
Reviewed Sept. 3, 2013
Amerisave was responsive, professional and had very competitive rates and fees.
Reviewed Sept. 2, 2013
I've refinanced my mortgage twice with Amerisave. Their rates and closing costs are unbeatable to go along with their exceptional service. On both occasions, Amerisave reps were very professional and were able to close my loan on time with no problems along the way. I recommend: (1) Cleaning up your credit score before you even start the loan process. The higher your score, the better rate and lower closing costs you'll get; (2) Getting all documentation together that they require, scan it, and send it to them as soon as you can; and (3) Review your loan status online and promptly respond to any requests that they may make. I would recommend them to anyone!
Thank you so much fro choosing us!
Reviewed Sept. 1, 2013
Amerisave did a great job handling my loan. My bank could not match the interest rate I received through Amerisave. The whole process start to finish from the time I locked in my rate went quickly and only too around three weeks. My loan processor and financial reviewers were quick to respond and processed all the documents I uploaded quickly. The loan was ready to close before the date we originally thought it could because Amerisave did the paperwork so fast. Everyone we worked with at Amerisave was courteous and professional. This is the second time I have used Amerisave for a mortgage. I recommend them and would use them again. Great job Amerisave!
Thank you! We're glad you enjoyed your experience with us!
Reviewed Sept. 1, 2013
We had a very good experience with AmeriSave. Great service, prompt replies to questions, a second, better servicer assigned when our initial loan application reviewer noticed our first servicer was not matched right for us - we didn't even have to ask, best rate by far compared to any others at the time we were looking, and we were able to do our payments as an automatic debit.
Thank you! We're glad that you enjoyed your experience!
Reviewed Sept. 1, 2013
We refinanced our house with Amerisave. It went great. Our rep Brad did everything he said he would. He even called me back on a Sunday to answer some questions. I have already recommended him to a friend.
Thank you!
Reviewed Aug. 31, 2013
I am totally satisfied with the service, professionalism and promptness of Amerisave. The Senior Processor is outstanding. I highly recommend Amerisave.
Thank you very much! We appreciate your business!
Reviewed Aug. 31, 2013
I started a refinance with Amerisave in December of 2012. After a few emails, we started getting down to business. Interest rates were the lowest I had ever seen for a home loan and we locked in the rate of 2.25% for 45 days. I refinanced the entire amount including closing cost. The closing agent came to my home and completed the closing in about an hour. Bottom Line is Amerisave delivered their promised rate in 34 days and I will save $191,000.00 over the life of the loan. I highly recommend a 15-year loan if at all possible and I highly recommend Amerisave. They did deliver to me as promised. Since then, my loan has been sold to JP Morgan Chase. They also have been excellent to deal with. Thanks to all those who helped from start to finish.
Thank you! We definitely appreciate your business!
Reviewed Aug. 31, 2013
Very detailed comparison rate and cost tables. Wonderful Mortgage processor makes me very comfortable to apply for loan with AmeriSave.
Thank you for choosing Amerisave!
Reviewed Aug. 31, 2013
I was very pleased with the process. I will say that they are so fast in processing your application it was hard for me to keep up. Rate was lowest around and very friendly and courteous staff. I would use again.
Thank you for your comments!
Reviewed Aug. 30, 2013
My experience with Amerisave has been great. Melanie the account manager is a pleasure to work with and has been very helpful. I was nervous about doing things over the internet and via phone. But the process has been smooth.
Great! Glad you enjoyed your experience with us!
Reviewed Aug. 30, 2013
From the first Amerisave website until signing the papers to close the loan, Amerisave made it very easy. My loan officer was always available to call back to answer questions. I was never unsure of rates and charges and they did not vary. I appreciate the fact that everything was upfront. I have recommended to friends to refinance their mortgages with Amerisave and they were as happy as I was when they closed.
Thanks! We greatly appreciate your business!
Reviewed Aug. 30, 2013
I would say it's a place to go to get a lifetime of savings. From starting to ending the process is very transparent and you get updates at every stage. My home loan processing was exceptional and I would very strongly recommend it.
Thank you so much for your feedback!
Reviewed Aug. 30, 2013
Their service was absolutely fabulous. Everything was done online. They answered every question very promptly and professionally. We were able to close our refinance with a subordination of a HELOC within 30 days. Their rates and fees were much better than other lenders that I compared them to. Special thanks to Matthew ** and Randy **. I highly recommend them!
Reviewed Aug. 30, 2013
I have received excellent service from the Amerisave team. Also, their on-line loan status process gives you up-to-date status on the progress of your loan.
Reviewed Aug. 30, 2013
I received two simultaneous refinances. Between the closing refund and the rates offered by AmeriSave, it was a great deal for me financially. I was able to take advantage of the best rates that AmeriSave offers because I have always tried to keep my credit score as good as possible. The loan process was very thorough paperwork wise but was very understandable. There were a number of steps to be carried out to provide the loan team with the information but it was all listed out on a website and the items got checked off as they were completed. I got to choose the closing location at my lawyers office. My experience overall was very very positive.
Thank you for choosing us! We appreciate it!
Reviewed Aug. 30, 2013
I was a little apprehensive of using on online broker at first. Luckily, my fears were unfounded. I had a great experience with Amerisave and closed in about 20 days. They kept me up to date on the status of my loan via their website and were always prompt in returning my calls and emails. I also received the rate and terms I was promised. Overall, I had a fantastic experience with Amerisave.
Thanks! We are so glad you enjoyed your experience with us!
Reviewed Aug. 29, 2013
I got a very good rate (2.63%), low cost, and expedient service.
Reviewed Aug. 29, 2013
Rate was good. Service was good, although communication was not very personal. Emailed the advisor a couple of questions that were not responded to. There are a lot of automated emails that are not necessary. As the process moved along, all went very well and loan closed as expected with no problems at all. I was very satisfied.
Thank you! We appreciate your business!
Reviewed Aug. 29, 2013
I was very pleased with my experience with AmeriSave. This was my third refinance within the last 10 years, because the rates kept falling, and it was easy, fast, and cost the least. I had no problems and everyone I talked to was polite and very helpful. I would recommend AmeriSave to everyone.
We're so glad you chose us! Thank you!
Reviewed Aug. 29, 2013
Amerisave has done a great job for us thus far - keeping us on schedule and really helping us know what we need to submit. They have helped explain things for us as first time home buyers and helped us work through all the paperwork
Reviewed Aug. 29, 2013
This is my third experience using Amerisave and I have always been impressed with their professionalism, knowledge, and responsiveness. They've always gotten the loan completed in a timely manner.
Thank you very much!
Reviewed Aug. 29, 2013
This is the 3rd and 4th loan I'm getting from Amerisave. Their loan terms are competitive, their process is very efficient. I especially like being able to upload documents into their website rather than making paper copies and faxing or mailing them. Good for the environment too. Their staff are very helpful as well. Very responsive.
Thanks! So glad you enjoyed your experience with us!
Reviewed Aug. 29, 2013
So far I have been very happy with the service I have received. I have even needed to change and get more money out and they have been able to adjust the amount and I just need to re-download the file and we were good to go.
Reviewed Aug. 29, 2013
Nice and quick process and new status at every stage of the process and rates are competitive too.
Reviewed Aug. 29, 2013
This is my second time dealing with Amerisave. My Rep Louis and processor Peter were the utmost in Professionalism. I was updated on my status fully and had a closing in 3 weeks. The fastest I ever heard of. Clearly AmeriSave hires quality employees that go above and beyond in order to service their customers. The process is so easy and the Rates or Fees are below market. I can't see why anyone would not use them. I received a gift card for writing this review, regardless of whether my experience was positive or negative, but I would have written my review if I had not gotten anything.
Thank you for the compliments! We truly appreciate your business!
Reviewed Aug. 29, 2013
Amerisave Mortgage did great walking us through all the aspects of the loan process. They were very kind, helpful and the website was very intuitive and easy to use. I must say though, make sure you collect all your loan paperwork in advance and in a organized fashion and things will go a lot smoother.
Thank you! We appreciate the feedback!
Reviewed Aug. 29, 2013
John ** is excellent, knowledgeable and honest. The process is super efficient and internet depository approach is innovative. Very pleased. Too bad the rates went up and I cannot refi again.
Thanks for choosing us!
Reviewed Aug. 29, 2013
The process we went through to refinance our house was all via email and electronic uploads which was very convenient. That said, some of the documentation requested made no sense at all and required me to essentially perjure myself to complete the process. I got the impression that the mortgage "counselors" or whatever they were called were being force to act as form pushers and box checkers. If you can ignore the annoying parts, the rates were good enough to make it worth the hassle.
Thank you for the feedback!
Reviewed Aug. 28, 2013
Incredibly easy process, attaching documents myself turned this into a 1 day process instead of weeks. Great rates, no problems, I highly recommend them to anyone looking to ReFi. I received a gift card for writing this review, regardless of whether my experience was positive or negative.
Thank you so much for choosing us!
Reviewed Aug. 28, 2013
Overall experience front start to finish was not bad. Initially the response from my agents to my questions was slow and at times not answered. But as the deadline towards the closing approached, the responses were more timely. Some of the requirements for loan approval were so silly that it made no sense to me; but I chalked it up to an industry that has been in the spotlight for approving loans that should not have been approved, as well as to internal company turnover of agents working my application in the middle of the process, which added about an extra week of delay. All in all, though the experience was not bad considering it was all done online (except for the actual closing). There weren't really any surprises (fees and costs not initially declared) when it was all said and done. I would recommend them for your refinance needs.
Thanks! We are glad you enjoyed your experience with us!
Reviewed Aug. 28, 2013
I thought overall that AmeriSave did a great job on my refi. The folks were very helpful and responded promptly to my questions and concerns. This is the second time I've used AmeriSave and would definitely use them again in the future on a refi or new home purchase.
Thank you for the kudos! We appreciate it!
Reviewed Aug. 28, 2013
This was the 3rd time in the last several years that I have refinanced my home with AmeriSave. The entire process from start to finish always proceeds quickly and smoothly. I have always been very satisfied with their service.
Reviewed Aug. 28, 2013
My processors both helped me throughout the process. They provided detailed information that helped me make a decision about when to lock in a rate. When it came to crunch time before closing, I felt like I was the top priority. AmeriSave’s offer was also better than anyone else's. A mortgage broker tried to charge me $4K for the same loan AmeriSave paid me $1K to get through them.
Thanks! We're glad that we could help you save some money!
Reviewed Aug. 28, 2013
AmeriSave has a very detailed system which is quick, easy and user friendly. Everything is spelled out so there are no questions unanswered. In addition, a loan officer is assigned who is available anytime throughout the process. Exceptional process and thorough.
Thank you very much!
Reviewed Aug. 28, 2013
Our desire was to refinance at the lower interest rate that was available. Time was of the essence because the rates had bottomed out and were beginning to rise. We contacted the lender which held our current mortgage, and to our dismay with a 700+ credit rating, they said all we qualified for was a reverse mortgage. After trying a couple more companies without much success we were in touch with Amerisave, and they assured us that we could refinance through them, and at a lower rate than we had hoped for. I was amazed at the ease of the whole process. The Amerisave personnel we dealt with were pleasant and helpful, and guided us through the entire refinance in less than a month. Thanks Amerisave! My wife and I are more than satisfied with your work for us.
Great! So glad you chose us! Thank you!
Reviewed Aug. 28, 2013
I have refinanced with AmeriSave 3 times now. My current rate is at 3.25% for a 30-year mortgage. The process was easy and stress free. The refinance was completely FREE, with no hidden costs or junk fees. I am very pleased, and will continue to refer them. If interest rates are to drop again, I would use them again.
Thank you! We are glad that you enjoyed your experience with us!
Reviewed Aug. 28, 2013
With Amerisave I have done my home refinance 3 times in the last 3 years. All times the process is very simple, transparent, speedy and accurate. The rate you see online will be the rate you get in reality with no hidden costs. Amerisave is amazing!!
Thanks! We appreciate your business!
Reviewed Aug. 28, 2013
My mortgage experience was excellent. My loan officer was very helpful and prompt with the many questions that I had. Support staff were wonderful also. I would definitely recommend Amerisave to all who are considering buying or refinancing a home.
Thank you!
Reviewed Aug. 28, 2013
I have refinanced twice over the past three years and worked with AmeriSave on both occasions. AmeriSave made it easy to understand the rate options and fees to match my financial needs. They made the overall process easy. I have and will continue to recommend AmeriSave to my friends.
We were certainly glad to help!
Reviewed Aug. 28, 2013
My mortgage refinancing was completed within 5 weeks. Each process of the loan was clearly marked on their website - all of the steps included an approximate date of completion. We would definitely recommend Amerisave!
Thank you for choosing us!
Reviewed Aug. 27, 2013
I refinanced my mortgage in January of this year. They sent out the appraiser within 24 hours of my first phone call and my whole refinance was complete in 4 weeks and I got a fabulous 30 year fixed. The Sr. Mortgage Processor, Casey **, was fantastic. He walked me through everything and he was so patient, even when I asked the same questions twice. He always called me back right away with clear answers.
Thank you for your compliments! We truly appreciate your business!
Reviewed Aug. 27, 2013
I have received a very nice loan from Amerisave. The work online was helpful in finding what I wanted and then the staff was most helpful in completing the loan. Monthly reminders are accurate, except that they do not include the loan rate.
We thank you for allowing us to provide your service!
Reviewed Aug. 27, 2013
I am very much satisfied with the whole process. All the persons involved for the refinancing do know what they were doing. They explained each and every detail and sometimes they also made up some what if scenarios so that you are fully aware of what to expect at each stage of the loan process. I would definitely recommend to my friends and family.
Thank you so much for the compliments! We appreciate your business!
Reviewed Aug. 27, 2013
I used Amerisave twice now! They make it very easy and transparent when shopping for a rate! I found them to be as good if not better than most rates I found. I also really liked doing everything online and being able to do the closing in my house. I have and would recommend using Amerisave in the future.
Thank you so much for your feedback!
Reviewed Aug. 27, 2013
I appreciate the effort of the Loan Processor assigned to me. Amanda ** has worked with me tirelessly and ensured the process moves smoothly. She has reached out to me in a timely manner and kept me updated on the progress. This is probably the first time that I would like to keep the name of the Loan Processor in mind so that I can ask for her the next time if I have a loan requirement with Amerisave. I would highly recommend my friends to Amerisave and would ask them to specifically request if Amanda can work on their case. I found the best rate & cost at Amerisave compared to all the other quotes I received. I also like the Amerisave Automated Online System, the ability to get a quote and lock in your rate and the overall online experience.
Thank you so much! We truly appreciate your business!
Reviewed Aug. 27, 2013
This is the second time I have used Amerisave. The first time I used Amerisave it took 25 days from the day I locked in until closing day. This time it was only 21 days because this time around I had all info ready and faxed back almost immediately the info asked for. Closed with no problem as before with a 2.625 rate for 10 years. The one thing I liked best with Amerisave was when I called with a question if nobody was there someone called back within the hour.
Thank you for choosing us!!!
Reviewed Aug. 27, 2013
This is my second refinance with Amerisave. I watched the rates and locked in my terms after watching their website daily. The process went smoothly, and my loan closed within 30 days. I have seen many negative comments about Amerisave. Before applying for a loan with Amerisave or anyone else, you should know your credit score and have a general idea of what your home is worth. Also, you need to be able to check your e-mail at least once every day and provide them with all of the documents they request. Make sure you have access to your tax returns, insurance policy, paycheck stubs, bank statements, and any other documents they ask you for.
You need to also check the status of your loan which is constantly updated. They tell you what they have received and what they need. The appraisal will be ordered within a day or so of you applying, so you need to be organized. By doing all of this work, I was rewarded with a 20 year refinance at 3.375%. I could not be happier and have recommended Amerisave to three friends and family who have also refinanced with them. I have always looked for lower rates and have never found any company that could compete. Plus, you see what your fees will be PRIOR to picking your loan! I was pleased with my processor who quickly answered all of my questions and was most helpful.
Thank you so much! We appreciate your compliments, and your business!
Reviewed Aug. 27, 2013
I worked with Greg and got everything done in a prompt and professional manner. Amerisave dealt with my case in a good manner making sure that the loan is closed in time. Very positive and good. I liked it. I am very happy for the decision to go with Amerisave Mortgage Corp.
Great! Glad that you enjoyed your experience with us!
Reviewed Aug. 27, 2013
Dealing with Amerisave was a professional and pleasant experience. They offered the best rate and lowest fees of any other lender I got a GFE from. No surprises along the way and we closed as scheduled.
We appreciate your feedback!
Reviewed Aug. 27, 2013
I refinanced my house with Amerisave Mortgage approx. 9 months ago. I found everyone very knowledgeable when I had questions and they responded quickly to all my emails. We got a great interest rate and were very satisfied with their service. We've refinanced in the past and it took no longer to complete this than before just don't expect it to be done in 30 days. It usually takes at least 6-8 weeks. Would use this company again.
We're glad that you were satisfied with our service!
Reviewed Aug. 27, 2013
We refinanced with Amerisave. The process was amazingly quick, and closing took place at our house. We were highly satisfied with the rate we received. The overall experience could not have been better.
Thank you for your feedback we appreciate your business
Reviewed Aug. 26, 2013
My experience was beyond exceptional. The Amerisave crew let me know step-by-step what the process entailed and the firm lived up to every commitment. I'm very pleased with the result and would not hesitate to recommend Amerisave to my friends.
Thank you so much! We're glad you enjoyed your experience with us!
Reviewed Aug. 26, 2013
I got an outstanding rate. That's what attracted me. I was treated well through the process and there were always assistance available when I had questions. Time was getting close for my close date and my assigned closer was fantastic in making sure that it all worked. I'd recommend.
Thank you! It was our pleasure to help!
Reviewed Aug. 26, 2013
Amerisave refinanced my home loan at rates exceedingly better than any competitor I found on-line. Mr. Shaun **, Senior Processor and Ms. Valerie **, Processor did an excellent job closing my loan in 30 days from application to funding (on a 45 day lock). I would gladly use Amerisave again and have already recommended them to others.
By way of background I had attempted to refinance my house with absolutemortgageco.com in Nov 12 at a low rate. After 30 days they had not even sent the loan to underwriting and were asking for more money to extend my lock. Not a good experience.
After this bad experience, I started looking around for a different lender in early Jan 13. Amerisave was advertising fantastic rates, so I started reading their reviews on-line. Standout complaints included not getting loan through underwriting to closing; as well as underwriting asking numerous ridiculous questions (conditions) multiple times, with weeks transpiring between replies, thereby delaying closings. Additionally, Amerisave had just settled a class action suit for charging for appraisals before approving their loans. Apparently, they would disapprove locking the loan after the appraisal came. I was not looking to be a named plaintiff in a class action lawsuit! I just wanted to refinance at a lower rate.
I went on Amerisave’s on-line chat and started asking questions about their practice. After lengthy e-mail exchanges with Craig **, Amerisave, Sr. Mortgage Processor, I was assured that Amerisave had hired additional underwriters and were closing loans within the lock period. So, I went on-line to apply for a loan with Amerisave. Here is my experience.
[NOTE: Throughout the process I never once spoke with anyone at Amerisave but communicated extensively through e-mail and their on-line system.]
On Jan 14, I went to Amerisave.com and plugged in the information and hit search. [TIP: When you go to Amerisave’s website make sure you “personalize” your search to reflect your credit score. Their rates are very credit score sensitive and their system defaults you to an 800 score.] After finding a rate I was very excited about, I clicked the apply button and completed a short on-line application. When I completed the application, I was asked to pay $9 for a credit report. My credit score came back at what I expected. After paying for the credit report, the system told me I was “pre-qualified.” [NOTE: pre-qualification does not lock your loan.]
I e-mailed Craig ** and told him I just applied for a loan and asked when I could lock. Shortly thereafter I received an e-mail from Shaun ** directing me to go on-line where I was asked to complete a formal application and upload supporting documents - 29 documents in my case. Since I had just applied with absolutemortgageco (a lender I recommend you avoid like the plague) I already had the bulk of these documents scanned and in pdf format. [TIP: Scan your financial documents (past 2 years W-2, tax returns, past two months account statements, pay stubs, insurance declaration pages, mortgage statement, property tax bills, etc. prior to applying for an Amerisave loan.]
Even with the bulk of the documents scanned, I spent 4 hours that evening completing the application, scanning additional documents, answering questions about credit report inquiries, and uploading documents. [TIP: When answering Amerisave’s questions I repeated their question and tried to use the shortest answer possible e.g., "Regarding Equifax Credit Inquiry on 2012-11-14 from CREDCHECKERS: No idea who CREDCHECKS are, however I was shopping for refi loan for this property in mid-Nov 12. Assume this was pulled by you or a different lender I shopped with. No new credit was received.” Signed me.]
The next day, Jan 15, I e-mailed Mr ** asking when I could lock since all my documents were uploaded and I really wanted the advertised rate. He told me my documents would have to go through a review first. About that same time the system prompted me to pay $550 for an appraisal fee. I paid the fee (with great hesitation, based on the class action suit against Amerisave.)
After paying the appraisal fee I e-mailed Mr ** again. Shortly thereafter I noticed my loan was showing it was locked on-line. It may have been that because on Jan 15 fees ticked down (in my favor) a bit and they were happy to pick me up at the higher fees. I was O.K. with that rate I applied for so did not press for the lower number. (Anyway, since Jan 15, rates and fees continued to increase.)
After getting locked, I then started e-mailing Mr ** about getting (1) a processor appointed and (2) this loan to underwriting. I was told they needed the appraisal first. The appraiser contacted me via an automatic e-mail system, and we set a date for a Jan 18 inspection of the property. There was no issue with the appraisal and it came in on Jan 23, over the amount I had told Amerisave what my house was worth.
[TIP: When you go to Amerisave’s website make sure you “personalize” your search to reflect your home value during the application process. I intentionally put the value at about 94% of what I thought the property was worth based on other sales. It was a good thing I did because it came in at 98% of what I thought was the actual value. By putting a value lower than 100% on the property I believe I saved any problem with Amerisave changing the loan terms because of the appraisal was lower than what I thought my house was worth.]
After the appraisal, on Jan 25, Ms ** was assigned as my processor and I received notice on-line requesting 14 different documents and questions that underwriting needed. Some of the requested items were previously provided, I just resent them. About a quarter of the documents focused on my child’s condo 1500 miles away. I got hold of my child and got the requested documents (condo fee, insurance, tax info, etc); and, included a statement that this is my child’s primary residence. I had everything uploaded by Jan 28 and began asking Ms ** when I could expect approval for underwriting.
On Jan 31, four more underwriter requests popped up on-line, primary for previously provided documents and about my child’s condo. (I thought - oh no, here we go with the underwriting back and forth folks complained about on-line.) I was able to upload the requested information that day and again e-mailed about the underwriting status. My loan was back in underwriting by Feb 4. I was almost shocked on Feb 7 when the on-line program showed that underwriting had approved my loan. (I really was expecting more questions and answers, based on what I read on-line.)
From there my closing was set for Feb 15. Prior to closing I keep in e-mail contact with Valerie ** and my closing agent to make sure everything was set for closing. At closing my agent told me how good Amerisave was to work with and that Amerisave had sent them the funds that morning so everything would disperse (payout) right after I signed the closing documents. I read and signed the closing documents and closed without a hitch.
I will say that I was hyper-vigilant on this loan (based on my bad experience with absolutemortgageco - avoid them at all cost). I kept daily e-mail contact, even if just to “check status” and made a point to get Amerisave any requested document or answer any questions within 24 hours and e-mail them when I uploaded documents. [TIP: Do not get upset over (1) strange requests (e.g., child’s condo info) or (2) repeated requests (e.g., asking for insurance agent contact info three times - after the third time I took the additional step to give my insurance agent Amerisave’s contact info and asked her to contact Amerisave)]
Finally, in every e-mail I sent, I sincerely thanked the folks at Amerisave for their help in working to close my loan within the lock period. All said Amerisave did a truly great job closing this loan in a timely manner at a fantastic rate.
Thank you so much for the compliments! It was our pleasure to help!
Reviewed Aug. 26, 2013
Everyone I dealt with was professional, courteous, expedient and competent.
Thank you for your feedback!
Reviewed Aug. 26, 2013
I have done several closings with Amerisave. When things go smoothly, they are very good. When things don't go smoothly, they are okay. I must say that generally they follow through on their commitments, though they sometimes miss dates and deadlines. However, my last experience with them left me very dissatisfied, as they were late on everything, and after 45 days, swapped the loan from a 2nd home mortgage to an investment home mortgage, which caused my rate and closing costs to go up significantly. Their position was it was their policy based on the 2nd home proximity to my primary home that they had to consider it an investment home mortgage - my problem is that the homes did not pick up and move location from the 1st day of my application where the addresses were supplied.
Why did they wait 45 days, and numerous out-of-pocket costs, to indicate the loan had to be an investment home mortgage. In the end, it was a financial loser for me to refinance, and the loan never closed. Amerisave was "sorry", but really just quoted me policy as to why I was out $500, and had no loan I could close without losing more money.
Thank you for bringing this to our attention! There may have been risk factors in regards to the property type that prevented the loan from being qualified. We apologize if this was the case, and if it was not disclosed in a timely manner. Please contact us at customerservice@amerisave.com if you wish to receive further explanation on the situation. Thank you!
Reviewed Aug. 26, 2013
This was my second time using Amerisave to refinance my home. Amerisave gave us the best rates and everything was so easy and the people were very helpful and responsive if you had questions. One of the best parts is the closing is done in your own home at a time that is convenient for you! I would definitely recommend Amerisave to anyone that is looking for a home loan.
Thank you so much for the compliment!
Reviewed Aug. 26, 2013
I refinanced my home mortgage upon a recommendation from my financial advisor using Amerisave. I have refinanced a few times in the past 20 years and never look forward to the tedious process. This refi was different from the start. The process couldn't have went any better, the service was excellent and with the exception of the loan being sold so quickly (not that big of a deal), it was the perfect business transaction. Amerisave has the process of making the sharing of electronic documents down to an art and this seems to be their competitive advantage. Also, they were very customer focused and professional.
Thank you for the compliments! We truly appreciate your business and it was our pleasure to help!
Reviewed Aug. 25, 2013
While shopping around for places to refinance my house, I came across AmeriSave. The rest is history. The loan officer, Mike **, was very honest, helpful and knowledgeable. Mike answered all my questions honestly and wasn't pushy nor did he ever make me feel uncomfortable with sales pitches.
Thanks for choosing Amerisave!
Reviewed Aug. 25, 2013
I was surprised with the great service I was provided by Amerisave. I dealt with Patrick, loan officer, and Kassandra, closer. They answered all my questions, and guided me throughout all the process. They did everything they promised, closed on time, and treated me with respect. I highly recommend Amerisave.
Thank you for your feedback!
Reviewed Aug. 25, 2013
My and my husband's experience refinancing our mortgage with Amerisave Mortgage was simply very good. The Senior Mortgage Processor, Stanley **, and Mortgage Processor Lisa ** were excellent. They were personable, knowledgeable and professional answering our questions and responding quickly with accurate information. They unfailingly let us know when we needed to supply additional information we missed initially. Furthermore Amerisave makes use of the latest advances in information technology which greatly helps the whole refinancing process. Their technology and exceptional personnel just makes for a great experience.
Wonderful! We are so glad that you enjoyed your experience with us!
Reviewed Aug. 24, 2013
My experience of refinancing with Amerisave has been a great. The entire process was simple to follow, streamlined, understandable and amazingly fast. The agent who handled my loan was knowledgeable and honest in dealing. I highly recommend Amerisave.
Thank you! We definitely appreciate your business!
Reviewed Aug. 24, 2013
I have now done my 4th refi with Amerisave (as rates have dropped over the years). It is a pretty straightforward process to fill out the application online, lock your rate, and track the process online. The last time required more paperwork and back-and-forth with the final loan approver (must be more regulated now), but it was still relatively straightforward and in the end, I closed on the new mortgage on time at the locked low rate (which was lower than I could find anywhere else). In the end, I like their combination of low cost and convenient online tracking and paperwork uploads.
Thank you! We understand the paperwork is very thorough, and we appreciate your patience with that process!
Reviewed Aug. 24, 2013
The new loan could be closed in a month since applied online. They responded the questions quickly via email. The process can be monitored on my online account. Amerisave provided the lowest interest rate among the loan lenders I inquired with no cost. I highly recommend Amerisave for your refinancing or purchasing new home.
Thanks! We were very glad to help!
Reviewed Aug. 24, 2013
My refinance transaction went real smooth. The communication was great and the staff was very helpful and always responded back in a timely manner. I recently helped my parents refinance through another company and it was horrible. It really makes a difference in the process when the bank has a good website, experience and professional staff. I give Amerisave an A+ for customer service.
Thanks for choosing Amerisave! We appreciate your feedback!
Reviewed Aug. 24, 2013
I have refinanced two times with Amerisave. They have best rates, faster service, reasonable fees and good customer service. I recommend Amerisave for all mortgage needs.
Thank you! We appreciate your compliments!
Reviewed Aug. 24, 2013
My experience with Amerisave was excellent. As I have previously stated in previous queries, your loan officers were outstanding and patient in walking me through the whole process = from start to past closing. It was a pleasure doing business with you!
We thank you for allowing us to provide your loan service!
Reviewed Aug. 23, 2013
My experience with Amerisave was fabulous. They were on the ball with answering questions and posting all documents needed and received online. It was a very organized and smooth loan process. Besides their fees and interest rate I got was great! I would use Amerisave again in a heartbeat!!! Thanks Amerisave!!
Great! So glad that you enjoyed your experience in choosing us as your lender!
Reviewed Aug. 23, 2013
My Sr. Mortgage Processor Jessica ** has done an amazing job keeping me informed of items that are required and answering questions and concerns I have had. Jessica is very responsive and knowledgeable, and I appreciate all of her efforts. Thanks Jessica for all of your help and support.
Thank you so much! We'll have to let Jessica know!
Reviewed Aug. 23, 2013
Great company! Everyone I worked with was friendly and helpful. The process was basically effortless and went very smooth.
Thanks! We’re glad that we were able to help!
Reviewed Aug. 23, 2013
I've refinanced with Amerisave a few times now, primarily to get lower rates. I've always found them to be responsive, helpful and transparent with rate availability and costs. They've made it easy for me to save and I would highly recommend using Amerisave. I received a gift card for writing this review, regardless of whether my experience was positive or negative.
Thank you for your feedback! It is greatly appreciated!
Reviewed Aug. 23, 2013
I am glad to give a good recommendation to Amerisave Mortgage Co. I had previously been working with Bank of America to refinance my current mortgage, a process that had been going on for over 5 months. I wanted to take advantage of the current low interest rates. I had been with them for more than 10 years and had many accounts with them. They made it very difficult to complete the loan/refi with them and were very slow in responding to emails and phone calls.
I heard of Amerisave through a friend, after hearing me complain of my situation with BOA. Amerisave responded to my emailed request with a phone call within a few hours and after checking out the preliminary information, they started the process. My appraisal was completed within a week, from start to finish and everything else was done online. I liked the idea of a loan specialist being available by phone, Josh, who was very knowledgeable, and the whole process was done in less than 3 months, which included the Christmas holidays.
I appreciate all that Amerisave did to help the loan go through and I would highly recommend (and have done so) their services to my friends. Thank you Amerisave, it is good to know that there are reliable companies available when we really need help. "I received a gift card for writing this review, regardless of whether my experience was positive or negative."
We truly thank you for allowing us to provide your service!
Reviewed Aug. 23, 2013
They were quick to respond to emails. They honored the rate lock, even when we knew rates were jumping.
Thank you for your comments!
Reviewed Aug. 23, 2013
I was very happy with the entire process. It took a total of 21 days from the day I first inquired until the loan was fully funded. The staff was very helpful. I received a gift card for writing this review, regardless of whether my experience was positive or negative.
Thank you! We truly appreciate your business!
Reviewed Aug. 23, 2013
The whole process was efficiently automated yet personal contact and customer service was sufficiently available.
Thank you for your feedback!
Reviewed Aug. 23, 2013
Because of the lending industry requirements since the crash there were a lot more contingencies on my qualifications. Both agents that help procure the loan did an excellent job of navigating me through all the documentation I needed to complete the loan and get me approved with the best loan and rate that suited my needs. They always got back to me by either direct phone or email right away so no time was wasted as rates were escalating quickly. They organized everything from application to loan rate lock to doc signing. Their website with rates are posted daily and everything is explained in detail. No hidden fees or bait and switch tactics. Everything was as it was explained. I have refinanced numerous times over the past 25 years and this was as good as it gets. I received a gift card for writing this review whether it was positive or negative.
Thank you! We were glad to help!
Reviewed Aug. 23, 2013
The overall process was very quick and easy. The rate options were fair and easy to understand.
Thank you! Glad to help!
Reviewed Aug. 23, 2013
I have been using Amerisave to refinance my house for 3 times. So far, I am satisfied with their services. They provided detail closing cost breakdown at different interest rates for us for comparison. Most responses were quick, except one time they assigned a new staff to follow my case and asked for some unnecessary documents which delayed the loan process. Anyway, I will use Amerisave again as I can easily complete the whole process online.
Thank you! We appreciate the feedback!
Reviewed Aug. 23, 2013
From my experience with Amerisave with my loan, I recommended Amerisave because they keep their word and show you how you will save money.
Thank you for the feedback!
Reviewed Aug. 22, 2013
I have repeatedly refinanced with Amerisave and I have been very happy with both the turn around time and the service. Amerisave has excellent customer service and they have an excellent website that shows all the current rates without the user having to enter any personal information. The rates on the site, especially when you enter your correct credit score, are extremely accurate compared to what you get when you lock.
Thanks for the feedback!
Reviewed Aug. 22, 2013
Let me be forthright and honest about my experience with Amerisave: It was, in a word, fabulous!! Amerisave delivered on their promise. They were reliable, consistent, and prompt. Everything from start to finish was smooth. Any small glitches were easily remedied and closing costs were contained, transparent, and above board. I was happy with the entire process, and of course, my monthly savings. Greg **, Senior Mortgage Processor, and Kristen **, Loan Processor made sure of that!!
We truly appreciate your business and it was our pleasure to help!
Reviewed Aug. 22, 2013
I have received excellent service from Amerisave. Starting from choosing the period/rate to closing, it is easy and fast. What I liked the most is the less paper work and most of the information is requested/provided electronically.
So glad you chose us! Thank You!
Reviewed Aug. 22, 2013
I was extremely satisfied with Amerisave and their home loan service. They had the best rates and service and all costs were disclosed upfront electronically. The entire process was online with the final closing taking place at my residence. Very impressed!
Thank you! We appreciate your comments!
Reviewed Aug. 22, 2013
In my years of home ownership, I've applied for four original loans and refinanced three times. The experience I had with AmeriSave was probably the easiest and quickest, because the whole process was handled online. Plus, I was extremely happy with the interest rate I got. I would definitely recommend AmeriSave to anyone I know who is interested in financing or refinancing a home.
We’re glad that we were able to help!
Reviewed Aug. 22, 2013
We refinanced our mortgage with Amerisave and found the process very worthwhile. No one could beat their rates & costs and we like that they offer terms of 20 & 25 years-fixed (not just 15 & 30). Always speedy response times from their employees. Very convenient.
Thank you! We truly appreciate your business!
Reviewed Aug. 22, 2013
The people that I had dealings with were very knowledgeable of their positions and willing to bend over backwards to try to help with the refinance process. The people are also very nice and friendly.
Thank you for the compliment! We truly appreciate your business and it was our pleasure to help!
Reviewed Aug. 22, 2013
"I received a gift card for writing this review, regardless of whether my experience was positive or negative." All my contacts within Amerisave were very professional and quick to answer all my questions. The electronic format was especially helpful and I encourage anyone looking to refinance to at least give Amerisave a call.
Thank you for the feedback!
Reviewed Aug. 22, 2013
I refinanced with Amerisave at the end of 2012 and would highly recommend them to anyone. Personally, I loved being able to do everything online. I was able to upload all documents requested and do everything by email. My loan processor was always available by phone too, and I did use that on occasion. After much research, including local credit unions, I just couldn't pass up the great rates Amerisave offered, their quick service and their extremely low fees.
Everything I saw on their website regarding rates was accurate by the time I closed, so I loved being able to test out options before I even had to talk to a representative. Actually, a few of the low rates were even lower at closing. I would recommend Amerisave to anyone. I am still very pleased with my loan almost a year later. The whole refinance process was a breeze. I received a gift card for writing this review, regardless of whether my experience was positive or negative. Just one more reason I am still happy with the service I received! :-)
Great! We're so glad that you enjoyed your experience in choosing us as your lender!
Reviewed Aug. 22, 2013
My husband and I have refinanced with Amerisave twice and both times the experience has been nothing but positive. They are quick with replies and their interest rate and fees are better than most others with which we have compared. We had the same processor as the first time we refinanced which made it easier as she was familiar with our loan. They are quick to reply to our concerns and questions which resulted in our loan being finalized quickly.
In addition, the notary who came to our home to finalize our loan documents agreed that Amerisave was the best to deal with as far as being timely in their dealings with clients and easy to deal with. We would definitely recommend friends to Amerisave and we would definitely use Amerisave again. I received a gift card for this review regardless of whether my experience was positive or negative but we would have been happy to review our experience without the incentive.
We thank you for allowing us to provide your service!
Reviewed Aug. 22, 2013
If you are comfortable working electronically, Amerisave is a great option. Their process is clear, they were on time for every step, and all my questions were answered promptly and accurately - even though there were many touch points along the way. I would use them again without hesitation.
Thank you so much!
Reviewed Aug. 22, 2013
Amerisave made refinancing as efficient and convenient as possible, all I needed was to submit the necessary documentation in a timely manner. This was by far the most convenient mortgage loan to close out of the 7 closings I have experienced throughout my life.
We thank you for allowing us to provide your service!
Reviewed Aug. 22, 2013
AmeriSave accomplished our refinance with professionalism. One thing stood out in contrast to our former Real Estate funding experiences. AmeriSave kept us updated during the entire process which reduced the anxiety of not knowing what was going on behind the scenes. They worked to solve any issues quickly and kept the ball rolling toward the closing of our loan. We couldn't have been more satisfied and gladly recommend them to our friends.
Thank you again for choosing us!
Reviewed Aug. 22, 2013
We had a great experience. Amerisave's service level was excellent and the overall process was beyond my expectations. I was most impressed by the consistent follow up and access to various support people throughout the process. Our appraisal was very fast and easy to schedule and the closing was very convenient after hours and at our home. The only issue I had was the online processing system was not always quite as intuitive as I would like but again it was easy to get help and direction whenever there was a question or doubt on next steps.
Great! Glad that you enjoyed your experience in choosing us as your lender!
Reviewed Aug. 21, 2013
I refinanced with Amerisave in Feb-March 2013. The whole process went very fast and smoothly. I know exactly what documents are needed to submit. Their web site shows you the step by step instructions, status and progress of the loan. Very helpful. This is the 3rd time I refinanced with Amerisave in the last 5 years. Same good experience every time. If you have a good FICO score and your documents are clean, the whole process will go very smoothly, and fast. My loan was finalized within 5 weeks. Personally I am very pleased with Amerisave.
Thanks for choosing Amerisave!
Reviewed Aug. 21, 2013
I have refinanced my home twice with Amerisave! Excellent customer service. Geneva ** and Amanda ** are an awesome team to do refinancing. Everything went smooth with the refinance and very quick. I would recommend to refinance with Amerisave anytime and you will not be disappointed. The best thing was that the refinance was all done from the convenience of the home, from start to closing of the loan. I have already recommended Amerisave to 3 people already and they also have had a great experience refinancing also. Great company to do business with.
Thanks! We are so glad you enjoyed your experience with us!
Reviewed Aug. 21, 2013
I refinanced my home late 2012, closing early 2013. My goal was to take advantage of the historic low rates and access a bit of equity for a kitchen remodel. I had only done home loans through large banks in the past but at the suggestion of a friend checked out some of the internet providers. I was drawn in by the excellent pricing but had some reservations having never gone down this path. I also read some bad reviews about Amerisave but decided to throw caution to the wind and go for it. I am pleased to say that all went very smoothly and was consistent with how it was presented by the company in the beginning. I have excellent credit, good income, net worth and home value so I would have been surprised at any glitches, although some of those complaining said the same thing. I was very pleased with my Amerisave experience and would readily use them again. It was very simple, pretty quick and saved me a ton of money.
We appreciate your compliments! Thank you!


