AmeriSaveReviews 230

The brightest part of the experience was speaking with Margarite Davidson. As the loan originator she is easy going and awesome and will make you think the rest of the experience will be the same. They asked for each documents at least a dozen times, not an exaggeration, to the point where I think its legal to file for harassment. Communication is very limited. They tell you certain documents are okay, then tell you days and even weeks later that you cannot use that document, they harass any gift donors you have so that they never want to donate to anything ever again. They don't use any deductive reasoning skills; everything has to be in savage terms. They delayed my closing several times forcing me to waste continuous days off. I had to reschedule movers and installation techs 3 times, costing me money and time. I had to increase my blood pressure medication. And I think im an alcoholic now. It made homeownership feel less special.

Transactions are online or via phone. After trying to change my direct payment from savings to checking, a sign came up telling me I could not have that done and my original direct payment account could not be reinstated. I made my June payment on the phone with the representative. He applied the entire payment to principle only, so I was charged over $50 as a late payment fee. I spent 30 minutes on the phone today getting all that fixed, although the final numbers will not show on my account for up to 10 business days. Polite on the phone, but a very poor company in terms of performance. Document every important call and write down confirmation numbers and the initials of the representative you work with.

This company said that the property was not warranted by Freddie Mac which is a complete lie. No trust

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.

This company was terrible to work with, after I was approved and they took my $500 to hold my interest rate I never heard from them again. I called, I emailed, I text and the rep I had Dave never once contacted me back. Could not even get an answer when we did find a house. Hope you enjoyed my $500. This company is a Joke!

This has to be the Worst loan company ever.
Amerisave representatives are non-responsive and miss important details. We started to do Business with john cady or what ever his name is. Guy made promises he couldn't keep. After the first day of sending him our documents he went ghost no reply no call back no reply play to my emails. Was pressured into signing the refinance paperwork before we could fully review it. This resulted having to pay a $875 appraisal fee after canceling the contract with Amerisave do to there Unprofessionalism. Now we have to pay a $960 appraisal fee for a Company we are not using. When the company we are using only charger $600 continuously misunderstand simple communication. Their rates may be low, however, their customer service is lacking a lot. If your rates aren't locked in and you receive paperwork do not believe them this Company is full of con artist that are looking to get paid anyway they can. Someone needs to Investigate this company and get them shut down I see I'm not the only one who has been ripped off do to lack of information and I'm sure I'm not the last of you are thing about trying Amerisave or looking to get a loan do not use this company I promise you will regret it. Do your research and look up the reviews if I looked at the reviews First I would never have tried to use this loan company. I been waiting on a reply from them since June 14 it's July 5th now if I could I would give the 0 stars if you get some one name John Cady, Brandon, Britney King or Ashley Hawley hang up and save your self

Definitely need to add a zero rating review choice, as it pains me to check 1 star! Started a re-fi application in February to access equity. First clue - AVOID ANYONE asking for a non-refundable $500 "application fee". The loan originator (initial contact) was very pleasant. Then it switches to a loan processor- in my case Josefina Morales - with ZERO communication, wouldn't answer repeated emails and pleading messages via phone. Calls to customer service and department managers to express concerns, very rude, dismissive, no response or follow up. I am in my 60s with excellent credit. This experience was a nightmare like i have never experienced with any lender! After 3 MONTHS of frustrated torment, I went with another lender after waiting 3 months and then Amerisave "held hostage" my appraisal I had paid for, making me pay another $500+ to have appraisal transferred. Meanwhile interest rates were climbing, so even with a new lender, the loss of time with Amerisave cost me several interestpoints in addition to $1000+ bogus fees. I PRAY FOR YOU - STAY AWAY FROM AMERISAVE!

Its a waste of time, a none professional team, they will change terms as you go and will disappear with no real explanation while you are waiting for the loan

I was wanting to refinance, for the sole purpose of lowering my interest rate. I was told by representative S. Redmond that Everything looked good and all we had to do was get an appraisal. I asked why the appraisal done at the time of purchase couldn't be used, considering the property was purchased 2 years ago. I then expressed my concern about paying for an appraisal and not getting approved. He assured me unless there was significant damage (such as water or fire damage), the appraisal shouldn't be an issue. I found someone to do the appraisal for about $200 less than the company he recommended, but he stated we had to use their appraiser. Their appraiser appraised the property at $3000 above the purchase price, although the property was purchased at a minimum of $20,000 below its actual value, and I made upgrades to the property (such as tankless water heaters and central air units). The refinance was denied, wasting 3 - 4 months of my time and money. But a month later I was able to refinance through my credit union. BUYER BEWARE!

The only reason I gave one star is they won't let have none. Do not trust all those positive reviews you see that are not written by true customers that have dealt with Amerisave. This company is the worst to deal with. After receiving a quoted closing date, they drag on your portal requirements every few days. Keep asking for the same documents over and over. Don't fall for the "BS"! They led me on for 3 months before I decided to move on. Do yourself a favor. Dont use Amerisave!

Dealing with Amerisave, and their loan officer Andrew Torres, was the worst mortgage experience that I have ever had. If you want a timely loan process, than go elsewhere! Heck, you would be lucky if they even answer a question via email (because they will not answer their phone). Andrew was very misleading, and after you pay the application fee... poof! They disappear. I would never suggest even thinking about using Amerisave.

Lynn Ong is a very knowledgeable, kind, attentive person to have working for you when trying to navigate the stormy seas of getting a loan. She made a stressful time for us much more bearable and explained things in a way we could understand. Lynn was always very prompt at getting back to us when we had questions and she guided us through all the many steps that are needed when trying to obtain a loan. I am very pleased with her performance and will definitely use her again if needed.

I have currently given them document after document after document. Its been a month and every other day they ask me for another document to drag out the process. I've given them an additional 17 documents so far on stuff banks have never asked me for. If they keep this up they're going to get a document of my $#*!!

Do not get near this company! Horriable!

Do not have any dealings with this company. They scammed me out of $750. For an appraisal they never did and I would gladly take them to court if I had the means. I 'm a retired disabled veteran and companies like this pray on the disabled and unaware.

We got our AmeriSave Mortgage loan about five years ago. It was a fantastic process. Quick and painless as mortgages go. Thing have gone generally well but if you ever have issues that is where the trouble starts. In this case we decided to make an extra payment and send the payment in as usual using the provided envelope and sent it in the mail. We noticed a few weeks later that while the check had been cashed the credit had not shown up on our mortgage account. We called and they could not find the payment and asked us to email the service department. We email the service department with copies of the deposit and proof of cash from the bank. We get a letter back a week later saying "we are researching the situation." The fact is we are not months into missing a payment and the service consists of we might get back to you someday. I pointed out that if I skipped a payment they would not be so understanding but apparently the demand for patience only travels one direction in this relationship. Multiple calls to the service center have resulted in the response of "I see an open ticket, you will just have to wait for an answer."

I fedexed a check from my insurance company for them two endorse and send back so I could deposit the check. The check was almost $9000 and I was out of pocket for payment to the contractor. After waiting for almost nine weeks, I called to inquire about the check. They told me there was no record of receiving such a check even though it was sent by Federal Express overnight. Then I spoke with someone handling my case and send them proof of insurance as I received an email stating my homeowners policy on file was expired. The case handler said she would forward to the insurance department. Three weeks later I received a letter in the mail that they were going to purchase insurance on my home since I supposedly ignored the original email notification. What a sham!

I would have given this company a NEGATIVE Star, but I had to at least give it a One Star to do this review. I tried working with this JOKE of a company and they were constant Liars, Manipulators and wanted SO much more info than they needed that NOBODY EVER had asked for in the past of things that didn't even apply. They would feed you answers you want to hear but then send you documents that were TOTALLY opposite of what you just talked about at ridiculous prices. Too many people working on your things and re-requests and not listening. Even talked to a Manager that was a total liar and busted in his lies... as I saved every email he sent. Promises that were lies just to try and keep the ball rolling and keep my questions out. I read reviews and did not see ANY posted that were bad, reason for us to try them. Sounded so good. I want to help who uses them KNOW what they may get into. From the get go they seemed very odd... asking me - what do you want for an interest rate, to,... you need to change your Mortgagee with your Ins Company to us ASAP before we go any further...(never ever had to do that before you even KNOW you are going to close with them). Bottom Line... BE AWARE!

AMERISAVE WILL SCREW YOU OVER AND YOU WILL HAVE WASTED YOUR TIME. They will allow
Their loan originators/processors to treat you like crap and then back them up. I have NEVER seen anything like this in my life! I was talked to like a street thug and the manager didn't immediately back
Me up! THEY KEPT SAYING... YOUR BEING RECORDED YOUR BEING RECORDED... Then, they incite you. Now we have to apply at a different bank with a lower credit score, and the rates just went up!