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AmeriSave Mortgage Review

Get a customized rate quote in 3 minutes

Reviews 10,319

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Nadav Shemer
Nadav Shemer
Nov. 15, 20224 min read

AmeriSave Mortgage summary

AmeriSave Mortgage Corporation is a full-service mortgage lender operating in 49 states and DC. Established in Atlanta in 2002, it has funded 220,000+ homes for a total value of nearly $60 billion. AmeriSave is known for offering streamlined online applications with the option of contacting customer support any time you need assistance.

Pros

  • Apply and submit forms directly online
  • Low rates, low fees
  • Get customized rates in 3 minutes with no SSN needed

Cons

  • No loans above $1.5m
  • Not licensed in New York State
AmeriSave Mortgageat a glance
4.8

Editorial score

Customer Service and Support

Excellent Customer Service

5.0

Variety of Loan Types

Purchase, refinance, cash-out refinance

4.0

Variety of Products

10-30 years; 5/1, 7/1, or 10/1 ARM

5.0

Online Experience

Online access to rates

5.0

Geographical Availability

Available in 49 states

5.0

AmeriSave Mortgage AmeriSave Mortgage Visit Amerisave

Overview

AmeriSave is a major lender, with a variety of loan options for purchasing and refinancing.  These include conventional, jumbo, fixed, adjustable, and government-backed loans such as FHA, VA, and USDA loans. With each loan, you get a choice between fixed or variable rate and flexible repayment terms of 10, 15, 20, 25, or 30 years. Interest rates are competitive, and AmeriSave offers a range of calculators and tools to help you make an informed borrowing choice.

Suitable For?

This lender is great for straightforward applications. If you have all your paperwork in order and know where you’re buying/refinancing, then AmeriSave can help you get this done quickly.

Types of Loans/Products

AmeriSave offers a selection of loans for purchase and refinance. While they are mostly focused on purchase and refinance loans, it does offer all the most common types of home loans.

Here’s the full breakdown of purchase options:

  • Conforming loans 
  • Jumbo loan, with loan amounts as high as $1.5 million
  • FHA, VA, and USDA loans, according to the usual rules

And here are the refinance options: 

  • Conventional rate-and-term refinance
  • Cash-out refinance

The Application Process

Potential borrowers can complete an application and lock in a rate via AmeriSave’s website, or over the phone or live chat with a licensed loan originator. The great thing about the AmeriSave service is it serves prospective home buyers too.

To begin the process online, you’ll need to fill out a short application form that takes about 3 minutes to complete. This includes details about yourself, where you live, and what type of home you are purchasing/refinancing. Once this information has been submitted, you’ll be presented with multiple, customized rate quotes that you’re pre-qualified for without requiring SSN or a hard credit check in most circumstances.

After receiving your pre-approved rate, you can go ahead and complete the rest of the process online where you will be required to submit a hard credit check. AmeriSave offers the option of securely uploading your documents to the portal and even e-signing them to expedite the process and an AmeriSave loan originator will be assigned to you to help answer any questions and finalize any documentations.

Rates and Terms

With AmeriSave you get to choose between five different repayment terms: 10, 15, 20, 25, or 30 years. You can take a fixed-rate mortgage or an ARM with 5/1, 7/1, or 10/1 options.

AmeriSave Mortgage AmeriSave Mortgage View Rates

Help & Support

To get in touch with AmeriSave, simply call or start a live chat online with a licensed loan originator. The company’s call centers are available toll-free Monday through Friday between 8:00 am and 8:00 pm ET. The company can handle the whole application and approval process by phone, and many customers do prefer this option. The support staff are well trained and able to answer our questions promptly and effectively. However, email responses can take between one and two business days. Customers can also find answers directly on AmeriSave’s website, which features an informative FAQ section.

Summary

Thanks to a fully in-house process and a variety of loan options, AmeriSave is a good choice for customers seeking a mortgage. The company offers both traditional mortgages and several government-backed loan options. More importantly, its variety of loan repayment terms give borrowers the flexibility to find the right choice for their impending home purchase or home refinance. A straightforward application process also helps customers close on their homes more quickly.

FAQ

Does AmeriSave offer local expertise? According to AmeriSave, it employs 2500+ mortgage professionals around the country. It has a presence in every state except New York, where it isn’t licensed to do business.

Does AmeriSave really not charge loan origination fees? Correct. Note that it does charge other common closing fees, including those mandated by law for government-backed loans.

Physical Address

AmeriSave Mortgage Corporation

3525 Piedmont Rd NE

8 Piedmont Center, Suite 600

Atlanta, GA 30305

AmeriSave Mortgage AmeriSave Mortgage Visit Amerisave

Nadav Shemer
Written byNadav Shemer

Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

AmeriSave Mortgage
AmeriSave Mortgage
ExcellentReviews 10,319
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Trustpilot reviews

See what some costumers are saying about AmeriSave Mortgage
AmeriSave Mortgage
ExcellentReviews 10,319
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Excellent
65%
Great
15%
Average
7%
Poor
5%
Bad
8%
  • author
    JMVC
    2 days ago
    Amazing company to work with!

    Totally great experience and highly recommended!

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  • author
    Allison Lindrum
    2 days ago
    Awful communication

    Awful communication, lack of respect to their customers, nobody talks to each other, all they care about is hooking you with your $500 and then you are stuck with them and after that, everything is a lie, lie, lie, lie and another lie!

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  • author
    Trevor Thuman
    2 days ago
    Didn't like

    Didn't like, not much help on understanding paper that you fill out. Then getting alot of bank statements for no reason. But Tristan O'Neal an miss. Gist were very nice an friendly. FOR ANYONE DOING THIS DO NOT MOVE MONEY AROUND EVEN FROM SAVINGS TO CHECKING.

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  • author
    Maryann Laffin
    2 days ago
    Great experience

    Great experience and a very smooth process. , I would highly recommend this company to anyone.

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  • author
    William Vieira Torres
    4 days ago
    Fast and clear process

    Fast and clear process, I had a great experience buying my house with AmeriSave, everything is done through their portal

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  • author
    Hayley Deloach
    Dec 04, 2022
    Wonderful experience

    The process was simple, fast, & easy! My loan officer didn’t hound me by calling or emailing constantly; yet I was kept informed every step of the way and when needed he answered me quickly! The portal made communication of what was needed fast & easy to upload on my end. There was a big awesome team helping me from start to end that I would like to thank for all their attentive strong work!!

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  • author
    Phillip Henry
    Dec 04, 2022
    They worked with me and got me a low rate and saved me tons of money

    Saved me money

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  • author
    WILLIAM
    Dec 04, 2022
    Daniel Testa was Awesome

    Daniel Testa was Awesome

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  • author
    Lekita Lash
    Dec 04, 2022
    It was a pretty good experience the…

    It was a pretty good experience the people were nice

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  • author
    Charles Raymond
    Dec 04, 2022
    They made everything fairly easy…

    They made everything fairly easy Mr.Cross was patient and very helpful with walking me through the whole process

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  • author
    Jen
    Dec 04, 2022
    From start to finish awesome

    From start to finish even with some obstacles in the road the team communicated and assisted in figuring out how to resolve the items quickly and efficiently. I had no complaints about Russell and Kelly at all, I enjoyed all interaction with them.

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  • author
    Autumn Ford
    Dec 04, 2022
    Personal experience

    Underwriters kick things back with no reason as to why and/or what they are really looking for. Josh and Forrest did a great job with being in the middle of everything. Was not impressed with Amy. Was very abrasive and rude. Did not let you talk to ask the question you needed answers to.

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  • author
    Brian Babich
    Dec 04, 2022
    The process was simple and Ellie was…

    The process was simple and Ellie was great. She was pleasant to work with, timely in her responses, informative, and accurate with setting expectations. Being able to lock the rate and then shop for a home was huge with the current situation with riding interest rates. Thank you!

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  • author
    Ryan Kidder
    Dec 03, 2022
    Easy process

    Good at making sure everything is done early

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  • author
    George Gibon
    Dec 03, 2022
    Fantastic experience

    Amazing experience, very respectful and very very reliable agents. Never felt left out, received information on time.

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  • author
    Joshua Bumgarner
    Dec 03, 2022
    Easy Process, Great Communication

    Derek Zuver made the process very easy, he ensured we were always kept up to date in the process and we never had any issues!

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  • author
    Locke Smith
    Dec 03, 2022
    Professional

    Professional, caring and efficient! Highly recommend!

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  • author
    Shane Edmonson
    Dec 03, 2022
    Samantha was very helpful throughout…

    Samantha was very helpful throughout the process even after a couple hiccups here and there. Everything was drawn out very well and easy to understand.

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  • author
    Rebecca B
    Dec 03, 2022
    Use Amerisave

    The employees made the experience great. Tracy ensured we had everything we needed to close on time. She was responsive and proactive in making sure we had everything we needed. Amerisave also connected us with an amazing agent Christopher Dudley who I will be recommending to anyone seeking out a home. Long story short - excellent transaction.

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  • author
    Ramesh Buddharaju
    Dec 02, 2022
    Robert Mayo whom i worked and the rest…

    Robert Mayo whom i worked and the rest of the team worked with me till they closed the deal and made sure my requirements are met.

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  • author
    Raymond Allard
    Dec 02, 2022
    very efficient process

    folks were very knowledgeable and understand the borrowers perspective.

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  • author
    Tammi Donnelly/Holly Bolyard
    Dec 02, 2022
    By the end of closing everything was…

    By the end of closing everything was done correctly. All I can express is listening to buyer/seller's needs are most important.

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  • author
    Jim Stallings
    Dec 02, 2022
    Amerisave

    Jordan and Syvelle were extremely helpful during the processes. Closing happened on time. Highly recommend. The online portal made tracking the progress of the loan easy.

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  • author
    Robert Torres
    Dec 02, 2022
    I highly recommend Amerisave for all…

    I highly recommend Amerisave for all your mortgage and refinance needs. Michael Grimaldi and his team including Mrs Kendrick were quick to respond and guide in the process. I am very excited for my home purchase and growing family and really look forward to sending referrals as this team of experts truly understand todays fast-paced and high demand organized structure as on their portal and callbacks. Thanks again.

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  • author
    Alba Lobo Gil
    Dec 02, 2022
    Thanks for your support

    Online information is great. However, the process is complex I think more information regarding the roles involved could help because we meet a lot of names but we don’t understand the sequence and when are we supposed to contact whom

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  • author
    Gemetrica Britt
    Dec 01, 2022
    The initial loan processor never…

    The initial loan processor never responded and practically had the loan originator handle the entire process. Due to errors on her part we almost had to pushback closing.

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  • author
    Milani Thomas
    Dec 01, 2022
    MALACHI IS THE BEST

    Malachi and allison were nothing less than amazing throughout my entire home buying process.The communication was great and the process was smooth.I told malachi a number i didnt want to pay more than and he made sure my wish was granted.Not only was my process smooth it was fast.I was clear to close in 3 weeks.I am so thankfull for you all

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  • author
    David Bink
    Dec 01, 2022
    Communication is key

    Communication is key! My loan originator, Rebecca Matthews was so helpful with the application and locking process. My processor, Jamie Green went above and beyond in answering all of my questions and following up on the documents needed. Thor process was smooth and seamless!

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  • author
    William Clark
    Nov 30, 2022
    Gregory Wood was extremely helpful at…

    Gregory Wood was extremely helpful at answering questions and emails, handled the whole event of our refinance with exceptional professionalism and always got back to me in a timely manner. Amy Fitch was also just as helpful, and great at answering questions and concerns.

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  • author
    rita james
    Nov 30, 2022
    Francis and Cory were very nice and…

    Francis and Cory were very nice and they kept me posted during every step.

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  • author
    Leshia
    Nov 30, 2022
    First Time Buyer

    I was a first time buyer and I need someone to walk me through and both Megan and Tracy did that for me koodies to them both.

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  • author
    SHANNON
    Nov 29, 2022
    Mitchell Chafe was amazing to work…

    Mitchell Chafe was amazing to work with! He was very responsive, and was able to help us clarify all questions along the way. We chatted regularly to ensure things stayed on track. Our loan was very complicated, and Mitch made sure we closed on time! Jacqueline Choi, although we did not speak with her directly worked on all our documents as the underwriter and we are thankful for a job well done.

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  • author
    Sondra Schvaneveldt
    Nov 29, 2022
    Great job

    They were all very nice to get threw the process

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  • author
    Elizabeth Merlos Perez
    Nov 29, 2022
    Everyone that was very helpful and i…

    Everyone that was very helpful and i highly recommend you guys to my friends

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  • author
    Michaela Campbell
    Nov 29, 2022
    Ian and Amerisave was there for us…

    Ian and Amerisave was there for us every step of the way. They got us approved and answered all of our questions.

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  • author
    Michael Salinas
    Nov 29, 2022
    Service with a smile

    It was so smooth and Josh Deadrick was incredibly helpful and supportive thru the processes! Everything was timely with follow up and personalized service every step of the way!

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  • author
    C jeff
    Nov 29, 2022
    Josh Deadrick our loan officer was…

    Josh Deadrick our loan officer was great to deal with. Work with us to get the best rates.

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  • author
    Christen Okete
    Nov 29, 2022
    I worked with Candace Linkenback during…

    I worked with Candace Linkenback during my first RE transaction. Poor communication, poor advisement, lack of interest, and so much more. I asked to work with another LO, but the manager, Devon Compton denied my request. I felt stuck and thrown to the side. I wish AmeriSave listened to my concerns and cared enough to have me work with someone who understood my position as a new and first time home buyer. The only reason I did not move to another mortgage company was because I was locked in at a very low rate, while the rates elsewhere grew to 7% and above.

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  • author
    J.D.
    Nov 29, 2022
    The dedication of loan officer Mr R Coleman.

    The dedication of your loan Officer Mr. Robert Coleman was extraordinary. His dedication, patience, and knowledge was helpful in getting this refinance accomplished. Mr. R Coleman made me feel as a valuable client from day one , which was the personal touch needed.

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  • author
    Harry Jones
    Nov 29, 2022
    The person that assisted me with my…

    The person that assisted me with my loan, Brandon Fox was great. Very professional and knowledgeable. Very helpful

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  • author
    Nathaniel
    Nov 29, 2022
    I had a great experience because the…

    I had a great experience because the AmeriSave representative (Jacob) was able to deliver on the things that mattered to me. The entire team at AmeriSave was able to close consecutive transactions for me without any hiccups. It is a tremendous feeling to know that you are more than a transaction to a company. Thank you Jacob and Angela for your time and guidance. Sincerely, Nathaniel

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  • author
    Vernon Huggins
    Nov 26, 2022
    Awesome Team!

    Thomas and Tammie were absolutely amazing throughout the whole process. They were always quick to respond, honest, kind, and willing to help in any way they could. They were willing to work with myself and the buyer to meet both of our needs and closing went so smoothly thanks to their organization! Awesome team!

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  • author
    Gwendolyn Watson
    Nov 23, 2022
    Professional and dependable

    From the time that I contacted Omar he was always ready to answer any questions that I had. When I did call to ask about some issues if he didn’t know the answer, he would find out and get back to me ASAP. He was very polite. Jacqueline also was very assuring in the process of what needed to be done, she was making sure that I had everything that was needed before the closing date and they both stayed in touch until all tasks was completed. I would like to thank both of them for making this experience a lot easier than I thought it would be thank you everyone have a blessed holiday.

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  • author
    LILLIAN lally
    Nov 23, 2022
    Professionalism communication full…

    Professionalism communication full transparency

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  • author
    Charles Clements
    Nov 23, 2022
    Easy process and highly responsive…

    Easy process and highly responsive representatives. Experienced a somewhat costly and unexpected glitch at the end, but overall the process was painless, smooth, and easy to follow. This is my 3rd mortgage with AmeriSave and I plan to return for a refinance when the rates settle down a bit.

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  • author
    Latosha Corley
    Nov 22, 2022
    Amazing Company

    My lender responded within a reasonable time frame. Whenever you called they called you back. They had the answers always to my questions and if they didn’t know they would find out for me. They have great realtors that they can pair you with. My realtor Michelle was amazing and they worked as a team to Make sure everyone was on the same page at all times. It was a amazing experience, especially for a first time homebuyer. Cons: I would have like a list of everything I would need up front instead of being given what was needed a little at a time.

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  • author
    Steve Dacres
    Nov 20, 2022
    Great company

    Close in record time no problem

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  • author
    Alfonso Flores
    Nov 19, 2022
    Great customer service.

    Great customer service.

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  • author
    Venus Dumond
    Nov 19, 2022
    We never thought we would be able to…

    We never thought we would be able to get financed everything went fairly smoothly and everyone were friendly

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  • author
    Christina Bruce
    Nov 19, 2022
    Help me with getting out of debt and…

    Help me with getting out of debt and looking out for my best interest financially

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  • author
    Julie Miller-Rzonca
    Nov 19, 2022
    Robin and Rebecca were excellent and…

    Robin and Rebecca were excellent and professional. I'm only giving 4 stars because this company insist on putting my husband's name 1st! My husband does not earn money, did not put down the down-payment, did none of the required paperwork and did not ever speak to anyone at AmeriSave.

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  • author
    Donni
    Nov 19, 2022
    Excellent performance

    Both staffs responded fast and very responsive. They have great personalities. Excellent performance

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  • author
    Jennifer Anderson
    Oct 19, 2022
    Horrific business practices

    I would like to explain the horrific experience I have had with Amerisave regarding the selling of my late father's home. The issues of incompetence this lender has demonstrated are beyond reproach. I am the executor of my father's estate which has now, as of today, been delayed 4 times since August 26th. The title company cannot get Amerisave to respond to ANY of their requests over the last three two months since August. The buyer was giving three different closing amounts, the first time we tried to close, therefore closing could not happen due to the potential increase of her closing costs by over 10,000 from the original estimates. Come to find out there was an "error" and the original estimate was the correct amount. The second time, there was an "unforeseen circumstance" that prevented us from closing, and to date have not been given an explanation of the unforeseen circumstance. The third time Amerisave needed a new "document" from the buyer. Now, the fourth time, we are two days away from closing and Amerisave has not communicated with the title company, again, after repeated calls and emails. We have not received the required closing statement within 3 days of closing for our or the buyer's review. We were assured by the buyer's agent that Amerisave has all of the documents necessary for closing. We have no idea as of tonight if the closing is on for the fourth time. This is a predatory lender with extremely questionable business practices. We will be filing a complaint with the Better Business Bureau, and the Attorney General for the State of Illinois, as well as utilizing our estate attorney for any potential financial impacts placed upon the estate as a result of these practices. BEWARE of this company.

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  • author
    Cindy Todd
    Oct 18, 2022
    We have had a horrible experience with…

    We have had a horrible experience with this company as the seller. We are trying to sell my father’s home after he passed. The buyer obtained Amerisave. We are now on our 4th closing date. I have seen the emails from Amerisave telling the buyer 3 different amounts owed at closing on the same email from 3 different people! The buyer’s agent, the title company, and the buyer cannot get them to communicate. They will not return the title company’s requests to close. One email stated everything was fine to close. Same story with each attempted closing with a different need from them. They have over 2200 complaints on the BBB in 3 years.

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  • author
    customer
    Sep 11, 2022
    Ever month I try getting on their web…

    Ever month I try getting on their web site to pay my mortage I have issues.

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  • author
    Scott Davis
    Sep 08, 2022
    Horrible, swept rug out from underneath me at last minute

    Horrible, was told 4 hours before closing and after paying $700 for appraisal and everything that my income “didn’t count” and that I wasn’t approved any longer… needless to say Stay away from these bozos

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  • author
    marivi cajamarca
    Aug 18, 2022
    No pierda el tiempo ni su crédito con…

    No pierda el tiempo ni su crédito con esta compañía yo ya estaba precalificada para una casa pero decidí que porque me podían dar aquí mejor intereses aquí pero resulta que la consultora W Ríos dice que no calificó para nada y que mi egreso está el 140% más de lo que gano ???? Ósea quien gasta 140% mas de lo que gana es posible? PÉRDIDA DE TIEMPO

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  • author
    Daniel Kaczmarek
    Jul 30, 2022
    The biggest joke of a company!

    The biggest joke of a company I have ever experienced! Patrick Jennings was the only one who I have respect for as a businessman. Every other member of the "team" cannot communicate which creates havoc between the buyer and seller. I was ran around in circles for three months to close. After the second month, I started to cc the seller into the email conversations (never answer calls, they will tell you one thing and change it on paper) so they knew it wasn't me dragging my feet. I had document requests for the same item so many times I had to create new folders to help keep track of what was sent thrice and what wasn't. If you are being evicted and have nowhere else to turn, you're better off living off the land. Absolutely horrible company and the worst experience I could possibly imagine. I wish I had time to highlight the fumbling moments but I'd spend a year to do it justice and they aren't worth it. Stay away from Amerisave. They're nothing more than a bunch of entry level workers pretending to be endgame employees. Pmi throughout the life of the loan, not 20% of LTV. Thoroughly transparent after the niceties wear off. It makes me sick that people attempt to take advantage of others as they have me and the seller. It seems they don't care about anyone else's timeline. Send a document in a "rush" an hour after a request and it's two days before you are told it's wrong, fix it. After the "adjustment" it's two more days and then a document you sent in a month ago is needed again. You aren't informed on if it's rejected or never acquired, just that it's needed again. So sending the same document, if rejected, has the same result. I originally saw their reviews as iffy. I now know that ALL of the terrible ones are genuine. The rest are fabricated which explains why they have little time to handle your loan. If you choose to give this horrendous company a chance and you are given a "supervisors' contact information, it'll be great for a few days and then they join the same routine. My email was BLOCKED by a loan "specialist". I hope they all get relieved of public duties very soon. Especially since an underwriter sent documents to the seller with my entire social security number on it. One party claimed it is normal practice (HIPPA laws beg to differ) but another party claimed they NEVER shared personal information. Recently after "I applied for unemployment" Which I never have. Absolute trash of a company. Let's recap....if you enjoy eating paint chips and smelling bath salts, they still aren't for you!

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  • author
    Dr No
    Jul 30, 2022
    Knowledgeable, experienced staff

    We financed an investment property with Amerisave. We were fortunate to work with Tammy Schwartz, our processor, who was very efficient, reponsive and knowledgeable in helpimg to meet a tight deadline for closing.

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  • author
    Charmaine Gray
    Jul 27, 2022
    Horrible

    Horrible. My loan officer MJ Wolfe did a lot of crazy things with my loan application like omitting credit, over estimating my home value, and never returning my calls. She had me believing the loan was all set to be approved, but it was not. One day, I get a call from a person who said he was my new loan officer. MJ just mysterious disappeared with all the documents I gave her which the new loan officer knew nothing about. After a few months, I shared my concerns to no avail. My new loan officer calls me after a week saying the loan was denied. I paid off bills using my retirement funds because MJ basically said the loan was a go. This company is suspicious. I would not recommend them.

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  • author
    David Kozuh
    Jul 23, 2022
    Stay away from this place

    Stay away from this place ! They do play used car salesman tactics. They lie and will keep changing the terms of the refinance, one excuse after another . Had locked in interest rate that changed the closer to closing I got .. no reason given. Was about a week from closing on this mortgage and all money numbers changed! Had to say NOPE I’m out ! I could go on and on about how unprofessional they are but trust me and the others STAY AWAY from this place

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  • author
    Tom Miller
    Jul 21, 2022
    Jhon was the nicest mortgage agent i…

    Jhon was the nicest mortgage agent i have ever dealt with. He was clear and simple, took us through the hole process and made sure we are satisfied with the terms and contract we closed in the end. i usually do not write reviews, but i was surprised for the best, and decided they defiantly worth it. Thanks Amerisave.

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  • author
    Michaela Hutchins
    Jul 19, 2022
    DO NOT RECOMMEND!

    This company is a scam! They got $500 from us for a “lock in fee” and then after weeks of asking, refused to give us a final break down of the loan costs. Would not respond to our realtor and had to be emailed and called several times before they’d get back to us about anything. Still we gave them the benefit of the doubt because we were two weeks from closing. Until they explained they were charging us $7,000 in fees. We decided to back out and go with another lender and when we told them they were not happy, and were not polite when speaking to my husband through email. The appraisal had to be transferred and not only did they charge our new lender a “fee” to have it transferred, we are two days from closing and they have STILL not done their part to finish the appraisal transfer so our closing date got pushed! This is a very unprofessional company and I would not recommend to anyone! I don’t understand why their reviews are so high on here because they do not equate to the service we got. I recommend reading their google reviews because many of them are exactly what my husband and I dealt with. Save yourself some time and money and stay away from these people.

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  • author
    Troy Friedersdorf
    Jul 14, 2022
    Update to Horrible Experience post

    Horrible experience! The sale of our home has been delayed for over 3 weeks, because of the extremely poor communication and poor service this company provides. Update: Even though it was our Buyers who had trouble with the loan, AmeriSave customer service still took the time to reach out to me immediately. Teri, from AmeriSave, respected our Buyers privacy while being very apologetic for the frustration we experienced. She is having management review the case. I believe her apology was sincere and that AmeriSave is looking into ways to improve their service and communication. It means a lot to have a company take the time to find ways to improve their service.

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  • author
    Michael Garrow
    Jun 17, 2022
    Theives

    DO NOT TRUST THIS COMPANY. We have been overpaying escrow for 3 years, when shown the proof we were ignored, representative stated "What do you want me to do about it?" Going to remove everything from escrow and talking to our lawyer

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  • author
    Gdawg
    Jun 14, 2022
    wasted my time

    wasted my time filling out the quick credit check application (811 credit score) only to get a smartass rep with attitude. David Nam NMLS ID # 1847597 didn't even realize his company sends a rate prior to talking to him. i advised him it was too high (5.8 to 6) prior to the fed rate hike. he laughed an said he hasn't given me a rate. they play car salesman games over there. the high ratings must be paid for. now i'm waiting for 200 unwanted phone calls.

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  • author
    Christine Ibanez
    Jun 09, 2022
    do NOT help Veterans on VA loans, period.

    UN-believable! We are Veteran Borrowers. Entered into contract on May 31st to purchase a townhouse that is classified as a condo. We KNOW the VA has to approve Condominium Associations and HOAs. We TOLD that, in WRITING, to our Loan Officers (2 working together) many times. They quoted an amazing interest rate, so amazing in fact that 3 other lenders said "can't be true". We received a Lock Sheet, yeup, true. Well, hold on. Sit down and have a read on experience. Amerisave orders the VA appraisal a few days later (June 4th or 5th?)...... tick tock is the timeline in our 17-day-loan-funding-contingency..... and what do you know- someone ELSE at Amerisave suddenly "discovers it's a condo" and they are at a standstill. June 6th, now 6 DAYS into a 17 DAY contingency, the dynamic duo writes and texts us urgently - "1) We do NOT and will NOT seek approval on your behalf of the Condo HOA with the VA; 2) It's a long process to seek approval- and only YOU, the borrower, or the HOA itself, or your AGENT can obtain this approval; 3) We cannot keep you in a VA loan, but hold on- you can go Conventional, with an ADDITIONAL $150,000 DOWN, and at a HIGHER rate, because you no longer have the Rate Lock on this type of loan". The garbage they spewed was backed up in writing by another Amerisave colleague in Customer Support. I quickly "call them out" on it, prove them WRONG, that YES, the lender does, should and can apply for condo approval with the VA through their lending portal, on behalf of the Veteran borrower and the association. I find the actual VA.Gov guidelines, list of requirements, and process, and send it to the entire lending team we've worked with. Customer Service replies "oh, well, that was my guess, and FHA blah blah". #1 FHA =/= is NOT the VA. #2 you are wrong, dear lending team. Original Loan Officer phones me, trying to backtrack on the whole thing. Her: " It'll take a long time, you'll never close" Me: "how many VA Condo / HOA approvals have you done"? Her: "none yet". Me; "how do you know about the timeline, then?" silence. Her: "you can not order an appraisal until the VA approved the Condo/ HOA association". Me: "then why did you try to order it on June 4th, when you knew of the VA limitation and need to have the association approved?: silence. Her: "no one can get it approved on time to lift your contingency on June 17th." Me: "our backup lenders, Veterans United and SunWest, are both in process of the approval with the VA, and it looks like it will be approved in hopefully a few days (June 8th). We will make our timeline for contingency lift, OR we can do an amendment to the Purchase Contract with all parties agreeing to a few more days, as long as we make COE at the end of June." Her: "oh, good, so we can cancel the Conventional Loan application, and have you then start again with us and a VA loan." Me: "we never approved the shift of our application from VA to Conventional. The Rate Lock and application were for a VA loan with you, only." silence. WHY should we trust these people speaking out both sides of their mouth? Bottom line, they do NOT get it done, and do NOT follow VA guidelines for Veterans. PASS. Semper Fi, families, keep it safe!

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  • author
    Shawneen Bymer-Schultz
    Jun 03, 2022
    Great company to work with

    April was amazing to work with and got everything completed quickly. The documents were easy to sign and the gentleman who did the appraisal on the house was professional, kind and friendly. It was a great experience from start to finish and plan to work with this group again!

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  • author
    Mar
    May 24, 2022
    This company called me at least 22 times

    This company called me at least 22 times in a four hour period, with 18 of those calls in a two hour period. They texted once just prior [1 minute] the first call. From the text I responded they had the wrong phone number. Then the calls began from Hale, Mi, Akron, Mi, Elsie, Mi, and several numbers from Indianapolis, Indiana. I finally answered one of the calls and the person wanted to speak to James. The first time I explained that there was no James at this number and the obviously had the incorrect number and to please show that on their records. This was in the first hour of the calls. Obviously they continued from the several different numbers and not one person left a message. Finally hour 4 I started answering and telling them to stop calling me. I did get the name of the person allegedly applying for a mortgage and the town he was buying in. However I kept hearing well that's the number he put on the application. NOT MY FAULT. I finally told the last two people I spoke to that that application was fraudulant and to not call me again and remove my phone number. The last person I spoke to I told him that since my ID has been stolen I wanted that application voided. He told me he couldn't but would put my number on a do not call list. So I contacted the Corporate office and no one ever answered even though it was not yet 5 pm their time. I did leave a message so we will see if they respond back to me. I did remind them I was in another time zone and to remember than when calling me back tomorrow. I also said since this was going on for over 4 hours, I expected compensation for the harassment and inconvenience. Because of their relentless harassment in calling every few minutes [example-10:03, 10:04, 10:09, 10:20, 10:26, 10:28, 10:30, 10:32, 10:34, 10:37, 10:38, 10:50. 11:02, 10:03, 11:08, 11:10.] then I put my phone on airplane mode to make it stop. Nope, once I turned it back on - 12:05, 1:05, 1:12, 1:49, 1:50, and 1:55. Ridiculous - absolutely. They took turns calling and harassing me. If I were to be in the market to refinance or finance a mortgage, I would NEVER use this pest company. Nor will I ever recommend this to anyone else.

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  • author
    Arniece Boudreaux
    May 22, 2022
    Real or a scam??

    I was so happy with Amerisave,until they stopped answering my calls and emails. They just kept sending me these robo emails asking for the same information I'd already sent. It was like once they got the $500 to hold the quote they just weren't interested any more. It made me think they were trying to string me along until the could ask for more money. I hade to go back and check to make sure my information hadn't been put on the dark web. They made me feel like it was all a scam. Really disappointed. I'm a first time home buyer who's faith in on line lenders has dropped.

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  • author
    Essertribe
    May 21, 2022
    "Lock and Shop"... more like "Dream and Drop"...

    Dealing with AmeriSave was a NIGHTMARE!!!!!!!!! Seeing the interest rates skyrocketing this year, we opted to use AmeriSave due to their "Lock and Shop" which allegedly would give us the security of waiting to find the right home with no rush from the rising rates. In the extremely competitive buying market, just going under contract was a challenge. We thank God that we chose a highly experienced real estate agent who was an expert in VA Loans and had been a VA home assessor. AmeriSave dropped the ball all through the process due to new employee incompetence. From submitting everything from employee records to flood insurance NUMEROUS times (online portal doesn't always work) to no internal communications to incorrect paperwork, the people we worked with had no clue as to what they were doing, but were still snarky all the same. It was like they were hired the day before with no training on handling mortgages whatsoever. It was also like dealing with a good cop (loan originator), bad cop (loan processor) scenario with them whom would not communicate amongst themselves. To have the loan originator call us to get word from the loan processor was ridiculous. The loan processor seemed more determined to be an obstructionist than help us. She even argued with our real estate agent about VA inspection terms which she knew NOTHING about and delayed the process by a week. Chaos ensued when they contacted us the DAY BEFORE CLOSING stating that the job I was relocating to needed a 30 day pay stub to be approved, which they had repeatedly stated needed only an offer letter from the employer to be approved. My new HR even sent a letter detailing my pay to show my start date, employee number, and detailing my pay so they knew EXACTLY my YTD. Our payment is less than 20% of our income. We moved on from AmeriSave and their shenanigans. We got approved by a local lender at a similar rate but with lower payments because of Amerisave's high financing costs. We are blessed that the sellers would postpone the closing date for the new lender. Learn from us and start with local lenders!

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  • author
    Shahane Aghayeva
    May 10, 2022
    Do not bother. Scammers

    I started an application on their website, but didn't even complete, because my credit window was closed, later an agent named Bridgete Quinn callled me and insisted to submit the documents, I explained her my situation but she still encouraged me that they have no problem with my situation. So I sent all my documents, and they did a hard pull on my credit report (my credit score is good) and then voila, she's not responding my email or calla anymore. My credit score was dropped because of them. Very disappointing

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  • author
    Diego Castro
    May 03, 2022
    Very easy experience and very well…

    Very easy experience and very well knowledge team.

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  • author
    Robert Goodrich
    Apr 27, 2022
    AmeriSave TeleMarketing- TCPA/DNC ISSUES

    I'm not sure If this is AmeriSave or an outside company calling but I'm getting telemarketed like crazy for refinancing my house. My number is on the DNC and I have inquired about doing business with them or any third parties they work with. Just had another call today and had to update my review this company is just not getting IT.

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  • author
    Miranda Walters
    Apr 02, 2022
    I just had a terrible experience in…

    I just had a terrible experience in general. I got preapproval from them and made some offers on some houses and were in the waiting process. I mainly had a bad experience with the loan officer Kelly Grace. He was very pushy and really wanted me to do the $500 finance lock. I wasn't going to do that and he got really mean and disrespectful to me for no reason and hung up on me. I've never had a customer experience like that ever before, total disrespect calling me names and being super unprofessional. He offered to send me to another officer but I am never going to use their business again after that bad taste in my mouth.

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  • author
    Marti W
    Mar 24, 2022
    Great service deserves recognition, so does poor service

    I pride myself on contacting mangers for great service as well as sending a ding for poor service. Unhappily this is the later. Once they get your signature, it's all downhill. Curt representatives, placaters (my kind way of identifying them as liars) I will not speak to my previous exchange in 2020 as t has been too long and things may have changed, but suffice it to say it was less than satisfactory. I have been attempting to get an escrow check reissued. I contracted Covid and only the most essential activity was done for several weeks. I was told, in February, 15-30 days to reissue. Today, 37 days later, it was still a no show. I called. The customer service rep put me on hold because it was indeed overdue. After approximately 15 minutes, the system, independent of any action by me, defaulted to collections. The young woman was zombie-like in her responses. She remained in collection mode, and after looking up my account told me there was nothing about an escrow check. I told her to look on 2/17. Hazaah! She found it then let me know I needed to speak to customer service, but wanted me, zombie-collections- style, to agree to Amerisave contacting me with any changes in my account. I told her no. She was audibly surprised. I asked for a supervisor in CS. I was transferred to CS where Ryan answered the phone. I asked if he was a supervisor, he said no. I told I wanted a supervisor since Amerisave had already taken 30 minutes of my life to accomplish nothing. Priscilla, the supervisor, apologized for the two CS reps who had apparently lied to me about the time to reissue checks and it was actually 30-90 days. Who's the real liar? I'd put my money on Priscilla. Note to Amerisave-don’t bother with the standard "just contact us BS", just send me the check and tell your supervisors to stop the lies and reprisal garbage.

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  • author
    Michael Bollweg
    Mar 22, 2022
    Amerisave

    Amerisave, completely dropped the ball on my loan I was straight upfront that I wanted one contact through the process...it was agreed but did never happen I was called by persons that I could not even hear on the phone, documents where sent over and over and not filed or lost on their end. I paid for a loan lock and they did not perform they could not even remember or have reviewed my income accurately after 45 days of the process. they completely screwed up the whole loan and now have to date kept my lock fee and with interest rates rising i will have to pay much more for the loan ... totally incompetent run away from this company, if you have a significant issue they will never respond...so frustrated and completely dishonest in their practices

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  • author
    ann wright
    Mar 08, 2022
    this was an awful experience

    this was an awful experience. it took months to get a $100,000 loan on a $1,270,000 house. i never want to hear the phrase 'this is the last thing we will ask for' again.

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  • author
    Dave Dennis
    Feb 26, 2022
    Nick Wolf was awesome in communicating…

    Nick Wolf was awesome in communicating with us and walking us through all the steps in the re-financing process.

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  • author
    Matt Damon
    Feb 23, 2022
    I absolutely hate hate hate this…

    I absolutely hate hate hate this company. Like dislike them to the point I’ll forever wish they go bankrupt and Patrick markert has his 28 million dollar janky house foreclosured on!! Or worse it sinks into the ocean and he doesn’t have flood insurance or better yet it gets hit by a hurricane with him inside it that’s how ticked off to the moon stars and sun I am. Good riddance and i hope Biden destroys your life, your stock portfolio and your wife leaves you for a beautiful man and your Tesla leaves you for a homeless man.

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  • author
    Mark
    Feb 18, 2022
    Lies and misses deadlines

    First was the number of documents. At first, it was 10, then 20, when I finally thought I was done, I had 10 more, then another 10. All in all, by the time I finally completed the process, I must've submitted somewhere between 120 documents and missed two closing date deadlines.

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  • author
    Kristy Matye
    Feb 17, 2022
    Customer Service and Support needs improvement

    Amerisave representatives are non-responsive and miss important details. We never received our Settlement Statement at Closing and were pressured into signing the refinance paperwork before we could fully review it. This resulted in debt being missed. After the refinance was completed we attempted to contact Amerisave to obtain documentation and never received a return call. We attempted to remove a name from the loan and it was a hassle even though the representative reassured us it would be simple. The representatives do not read the documentation correctly and continuously misunderstand simple communication. Their rates may be low, however, their customer service is lacking.

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  • author
    Heather Flohr
    Feb 15, 2022
    RUN FAR and FAST

    As a real estate agent, I work with a lot Ienders. Amerisave is BY FAR the absolute WORST!!! The WORST!!!! I can’t even begin to say enough horrible things about the experience I personally had. Unbelievably slow, unresponsive and incompetent. We finally close after 3+ months of torture and go figure, they likely intentionally messed up our escrow and our payment has gone up almost $200 / month. Run far and fast!

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  • author
    Vivek Chanmugam
    Feb 06, 2022
    My application was handled…

    My application was handled professionally and with expertise. When my Loan Officer was not available, her assistants were knowledgeable and were able to move my application forward.

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  • author
    Joshua Price
    Feb 06, 2022
    Fast and easy refinance!

    Fast and easy refinance!

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  • author
    Nat A.
    Feb 05, 2022
    The initial process was reasonably easy…

    The initial process was reasonably easy and our loan originator Aimee was knowledgeable, good at follow up, and patient. Our process was hampered by communications with my 90 year old mother (whom the loan was for) and Amerisave was accommodating to our needs which is why there are four stars and not two. My number one complaint which I expressed loudly and often, was that the system would spam me with instructions about next steps, sometime contradictory. There must have been four separate people demanding different actions. That is crazy for a SaaS company to not coordinate client communications better. After several weeks this was mitigated by bringing in a supervisor. Another issue was that their documentation standards seem to be higher than other mortgage companies. Account statements for proof of funds for certain account types didn't meet their criteria, even though the statements meet Securities and Exchange Commission criteria. Seems like the underwriting process is a little heavy handed.

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  • author
    James Murphy
    Feb 22, 2022
    Please can you stop with the endless…

    Please can you stop with the endless email spam. Every day I delete and block your emails, only for you to resend under spoof names the next day. Tedious and illegal. Doesn't reflect well... And I’m not going to call a company in the US offering US mortgages to ask you to stop sending spam to the UK - or reply to spam emails inviting more spam. Please check your own data before marketing, as the law requires.

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  • author
    Darrell Roberts
    Jan 23, 2022
    Great Customer Service

    Great Customer Service Dan Cohen from Amerisave is truly awesome to work with. He is reliable, timely, straightforward, and friendly. Refinancing our house with Amerisave was one of the best decisions that we have made financially.

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  • author
    Anna
    Jan 17, 2022
    Sean Greenberg was very helpful and…

    Sean Greenberg was very helpful and helped me get the home of my dreams! Thank you so much!

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  • author
    Daron Johnson
    Jan 12, 2022
    Thieves!

    This company told me that they would not do a hard pull on my credit because the credit bureau that I deal with had already pulled my report. Then Rodney Fights also told me it would not affect my credit even if they did a hard pull for the next 45 days. But they did a hard pull and it did affect my credit score!

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  • author
    LORNA BANISTER
    Jan 05, 2022
    Quick and easy refinance

    Quick and easy refinance! I would definitely use AmeriSave Mortagage again.

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  • author
    Tim Cooling
    Jan 02, 2022
    If your a business owner

    If your a business owner, forget it. They don't know how to read more than a simple tax return. Forget it if you have a cash business or bought equip and wrote if off. And be prepaid to chase your tail before they tell you no. Need this, need that , then ask all over again. Must have gotten 50 emails from them for the same and different things. Total waste of effort.

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  • author
    Richard Evans
    Jan 02, 2022
    Timothy Taylor

    The representative that helped me refinance my house showed some red flags from the start, which I unfortunately I ignored. For staters he made a transphobic joke when asking for my personal information (Race, Gender, etc.) The real problems came as we got into the refinance process. We talked one morning, around 8am, and he told me I could get an interest rate of under 3% (2.8% or something). I told him I needed to call my partner and confirm with her before I locked it in. I did that, and called him back an hour later. I got no answer (which was pretty common in my dealings with him). He finally called me back around 5pm. By that time the interest rate was no longer available, and the best he could do was a little over 3%. He explained that rates can change quickly, and there wasn't much he could do. I told him I didn't think that was fair since waiting was no fault of my own, outside of the 1 hour it took to call him back. He talked to his boss and they offered to cover a small portion of my closing costs. I begrudgingly accepted, which was a mistake. The difference in rate will cost me way more in the long run, than what they offered. As part of the process an amount of money was built in for outstanding escrow balance. This was a few thousand dollars. I was told that my current mortgage company would cut me a check for my current escrow amount, which would offset the amount built into the refinance. I did get a check for $400, but to my knowledge it was for a difference in the loan payoff, not escrow. I reached out to the individual at Amerisave several times after I closed on the refinance. I knew there was a chance I was misunderstanding something, or maybe there was a mistake that could be corrected. He's yet to return my emails or calls (it's been about a month). I reached out to Amerisave customer service, and they ignored my question about the escrow as well. As soon as it financially makes sense I'm moving my mortgage to another company. I regret doing business with this company, and feel that I've been taken advantage of. I don't know that they did anything illegal or even wrong, but I do know the way I was treated as a customer was far below the standards any reputable company should exhibit.

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  • author
    Jenny Rosal
    Dec 27, 2021
    Thank you for the quick and easy…

    Thank you for the quick and easy process with my refinance!

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  • author
    John Annis-Ii
    Dec 27, 2021
    Allex & Dian did a stellar job Refinancing my 10 investment properties

    Allex & Dian did a stellar job in getting all ten of my investment properties Refinanced (We closed 6 of them all in one day! .... This is very hard to do). AmeriSave was the only lender who wasn't artificially lowering my credit scores. I know this because I was subscribing to all three credit bureaus.

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  • author
    John Annis-Ii
    Dec 27, 2021
    Allex & Dian did a stellar job in getting my 10 investment properties refinanced

    Allex & Dian did a stellar job in getting all ten of my investment properties Refinanced (We closed 6 of them all in one day! .... This is very hard to do). AmeriSave was the only lender who wasn't artificially lowering my credit scores. I know this because I was subscribing to all three credit bureaus.

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  • author
    Gloria Ramirez
    Dec 24, 2021
    Thank you for making a challenging experience worthwhile.

    Thank you for making a challenging experience for us a very worthwhile one. We are very glad that in the process we were treated very professionally, and felt comfortable because we were kept informed through out. Thanks again.

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  • author
    Craig Donnelly
    Dec 20, 2021
    Great service and a great new loan.

    We already had our mortgage with AmeriSave but did a refi to take advantage of a better rate and term. We were able to finally remove PMI and reduced the loan period by 5 years with a payment that is $12.00 per month less. This is a HUGE savings for us over the life of the loan. This is our last home purchase and we are very pleased with the service and the final terms of the new loan. Everything went very well and the communication was great. I have recommended AmeriSave to several friends already.

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  • author
    Joyjit Ghosh
    Dec 20, 2021
    The refinance process was a breeze

    The refinance process was a breeze! Timothy Apenbrinck has been always a pleasure to work with. He is always on top of things and hase been instrumental in closing the loans timely on both occasions.

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  • author
    Gregory Phillips
    Dec 18, 2021
    Very quick and professional

    Very quick and professional! Laid out my options in a cost benefit analysis way that was easy to understand.

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