AmeriSave

We paid our $500 fee to AmeriSave at the end of April -2021- with the hopes of closing by end of May, which was the opinion of agent.

However, here it is the end of June and the company still hasn't given us a closing date. We receive generated notes asking for documents. We have sent them everything they need for the closing of this loan, but we still get computer-generated notes; the agent keeps telling is "we're almost there" or "hang in," Underwriting is completing the job." We rarely get promised phone calls; we almost never get an actual response, and so for 60 plus days, we await a closing.

Yes rates are good, but with no closing date, what's the point.
I recommend to you that you explain to your readers that my case (as a Google search will support) is not rare, but a common occurrence.
Hope this is informative.

My loan number and agent are included to prove I am a real person.
Agent: Mr. Patrick G.
Loan # *******--

JL
Ninety Six, SC *******

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 started a loan application with AmeriSave, but stopped immediately after they jacked up the points on my loan because the house didn't appraise as high as they estimated. They estimate extremely high using non-similar house values to draw you in. I had a percentage charged for the points, and I thought that would remain the same despite the appraisal. Once the appraisal came in lower, their other associated costs went down, thus AmeriSave's profit went down. So, they increased the points percentage, increasing my costs by $900. Plus, when the loan documents were modified due to the lower appraisal, I called to talk to my loan officer, and she was clueless as to the revised figures. This business is set up to shuffle you through like a cattle chute. They guarantee you a personal touch, but once they think they've got you cornered, you're just a number. I switched to Freedom Mortgage and the process has been much smoother.

Loan officer sold me good. Promised a 30 year for %2.875. Looked at the closing and was around 10k. I backed out and went with Loandepot.com got a 30 year for %2.9 with closing 4.8k. Ask for a refund of the application fee and no response. STAY AWAY FROM AMERISAVE.COM MORTGAGE. They are only concerned for the $500 application fee. Nobody else has a charge that high. Loandepot only charged $21 to lock rate.

After months of dealing with them and sending the same documents over and over, we were set to close. We were supposed to close the following week. They did not give us a date. I called Matt and he said he would check on it. He thought maybe they needed something else. Never heard from him again. Next thing I know is that the person from their credit dept. left. So the whole process started over. I sent them everything again and again and again. I would get a you are good, all caught up. In a few days they would request the same exact documents. I kept giving them the same information, because I had to pay them $500 upfront, very stupid on my part. As time went on I realized they were not going to give us a loan and I gave up and lost our money. I have since then got a loan with a reputable bank.

This company is the worst ever. We applied in February and at the beginning of May we still had not closed. We had to pay a fee of $500 to apply and that was money wasted. They delayed the loan by constantly asking for another document and then at the beginning of May raised the fees by over 20%. Questions we asked went unanswered, staff apparently never read the emails we sent, the man to whom we talked when we finally decided not to go ahead became angry with us and the whole bad experience cost us $500 plus appraisal and other fees. We should have read the on-line reviews of this company before applying but did not and it was an expensive lesson.

Communication was great until I made a 500.00 deposit to lock in my rate to refinance my home! I would literally leave work at moments notice to get the documents needed, which honestly was not an issue because I was under the impression we were moving forward. Instead I started receiving emails from a completely different processor asking me for the exact documents and that I needed to pay more money to get a appraiser after it was already done! My original processor went MIA!, then from there I requested for both to contact me of a conference call through email to get this mess sorted out well guess what weeks later and no response from neither processor. We started literally almost 6 months ago and got no where! Now I'm sure I'm going to have to follow up for the next several weeks to ensure I get my damn money back! This was the worse service and lack of professionalism I've never experienced this bad seriously! PLEASE LOOK ELSE WHERE! 6 months! And got no where!

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.

I don't know what is wrong with y'all, but this company is extremely professional and easy to work with. It's not for people who don't know how to use a computer. Company pricing is unparalleled when compared to other lenders and every loan officer has three or more years experience. Call a company like Rocket and ask them a difficult question and then call Amerisave and see how accurate the folks at Rocket are.

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.

They are a lier, it's a wasting time. I was trying to get cash out refinance, first they gave me hope and they seem nice when they talk but they are evil! Specially, the woman I work with, her name is ( SHERRICO JESKA), she's a liar. After make me wait 5 month and make me paid appraisal money($600)before they do anything. And finally, they denied the loan. I wish, I had read the reviews first. When I paid the appraisal money, they said, if Im not approved, I will get the appraisal money back, but after they denied they ignore me... to me they trying to steal my money.

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!

I shopped around when trying to refinance. Rocket, Wells Fargo, Amerisave, along with 2 others... Amerisave had the best APR. So I started the process. $500 application fee? Ok, figured I'd save that with the difference in interest easily. Loan originator told me "that's why I love my job, to beat the rates and compete with the big guys." In hindsight, they probably train them with that line. 2 months later, after they were terrible getting back with me via email or phone, they denied my loan due to DTI (debt-to-income) being "just off." I was refinancing to consolidate some debt. You would think that they may actually offer to adjust the numbers to make the loan work and have a new customer, but NOPE they just simply said "I'm sorry we couldn't make it work." Makes me think they are a scam company! Conservative figure of "processing" 2000 applications a month at $500 a pop... $#*! that's a Mil right there. CROOKS! I write this in hopes they don't do the same to you!

I had an extremely experience with the lady names Natasha Garza. She does not care about working performance or staff at all, she just wants to hire people and fires as she wants without reason. Never ever expect any proper training course from this company. Stay away from her. Poor attitude

What's the definition of insanity? That describes my experience with Ameriwaster. I've wasted my time, energy and money on them. They requested the same documents over and over like many others. They then keep moving the goalposts like many others. I was even called last Friday with what the processor (T.T) said a good news Friday call claiming we were all set and would close a week later or so. They just needed one more document from our Edward Jones profile. I called EJ and we had 7 minutes until they closed. We sprint across town to get those papers! Made it with one minute to spare! Excited it was finally over only to hear on Tuesday they couldn't accept it since my Wife's OT was consistent for 2 years. Just a year! Really? We came all this way just to learn that. Something like that should have been discovered two and a half months ago. Now after this bad taste left in our mouths we will wait for better rates again. It's obviously a sign this isn't the time. It's also a sign to next time pick a real company not Ameriwaster.