AmeriSave

I started to refinance in August 2020. I submitted all requested documentation was dragged on for three months. I complained and requested for managers and supervisors. So within 3 days of submitting a complaint to the BBB I received a letter of denial... interesting it gets better I am simply told that my deposits are refunded and goodbye that they cannot determine that I qualify for the refinance. I went with them because they taunted a 2.6% but went back to the company I always use and guess what I am refinancing! Amerisave lies and gives the run-around and I would never recommend them. I also had a mortgage with them in November 2019 and paid off in May of 2020.

I inquired about the interest rates. I was contemplating refinancing. Two weeks after my inquiry, I received a copy of my credit report in the mail. The credit report reflected that I was the applicant for a loan! I was furious. The lady (C. D.) had no right to retrieve a copy of my credit report without informing me! I will NEVER contact AmeriSave!

Getting ahold of anyone at this company can take dozens of calls and emails. Their customer support line just hangs up on you. I've been trying to make my first payment and been on the phone for over 4 hours now! They just hang up on you.

I've sent many emails and made many phone calls. You get no help from them and there is a penalty for making a late payment.

Also, they tacked on an extra $500 onto the mortgage contract without ever telling me. They gave me the numbers before hand and it didnt have that. They even gave me a pdf of the loan before hand to read, and it didnt have that. Then they didnt answer the phone during the signing. I should have walked away right then.

Horrible, rat of a company.

A decision you won't regret more like a decision you will regret. Just a week ago I had to cancel my agreement with Amerisave because of how utterly crappy it was. The agent I worked with was a bloke named Kyle. Within a week he started not to respond to my emails and not answer my calls. He just straight up abandoned me. What kind of service is that? If you want to find a good mortgage company, Amerisave shouldn't be on your list. 1 star.

I was undecided about refinancing my home until I made a call to AmericaSave. I was able to complete an application and got a quote for much lower rate the same day. The process was quick and without hassle. My loan officer was very knowledgeable and accessible. All of my questions were answered in a timely manner. If, I didn't understand he helped me. He walked me through the entire process. We closed in a timely manner. I highly recommend Brittlynn Holmes of AmericaSave Britt you ROCK.

You will jump through hoops like a trained poodle only to find that you need to spend more money only to borrow money to replace the money that you spent. Seems like a definition of insanity to me.

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!

This is the most disconnected company I've dealt with. I have financed, bought and sold over 10 homes in the last 4 years and this is the biggest bunch of b. S. I've ever dealt with. They have asked me for the same information 3 times... I've uploaded the information as well as emailed it to them, they confirm receiving it and still ask for it again. Not a good way to do business. Initially I was told it would take 4 to 6 weeks to close on my refinance. It has been over 10 weeks and they just changed my loan originator and are asking for the same info again. My credit score is in the high 700's and my income is close to 50k per year. This company is not one to deal with. I don't know who they paid to leave good reviews, but it must be employees doing it.
Michael

After nearly 3 months, I withdrew my application for a refi. I found the people at Amerisave to be incompetent, liars, and noncommunicative. I have an excellent credit rating, but they still ask for information time and again that bordered on stupid. One minute they say I was approved, and than they requested the amount I pay for my homeowners association fee. I sent them a copy of a cancelled check, but this wasn't good enough. I have never been treated so badly by any financial institution in the past, and I am over 80. On a positive note, the Processor, Crystal Lee, did everything she could to expedite things, but she was up against some very incompetent people.

I've done several refi's with multiple lenders and have never had any problems, always closed in 30 days.
One delay after another with AmeriSave because of their incompetency and mistakes. No one picks up the ball after they drop it. 60 days later and no real communication to let me know what is going on, I have to constantly pursue updates and their excuses are frustratingly ridiculous.
I should have stayed away when they demanded an unrefundable $500 to start the application. I have never been charged a fee upfront like that. Should have listened to my instincts.

We started the process of refinancing our home... before the application was complete, they asked my husband to give them $524.00 for assessment of the home. This was yesterday... well, we did not complete the loan application- and decided to go with another company. My husband called today to let them know we were going else where and that we wanted our $524.00 back- only to be told it was nonrefundable because we were locked in... we never completed the application! NO ONE came to assess the house!.

After receiving my pre-approval letter, have my offer accepted on a house, and being told through multiple emails I was good to go and the house would be mine after we order title work and appraisal I was completely ghosted. Got one call from his supervisor saying he would handle my account then nothing for 3 weeks. The day before closing I receive a phone call saying he was sorry about the miscommunication but my loan wont be going through now. The next morning I received a generic email from the original loan officer saying Im prequlified for a home loan through them. Absolutly horrible company who will waste your time and give you false hope!

As an experienced real estate attorney who has worked with other online mortgage lenders, I expected a smooth process when I applied for a refinance loan. Just wish I had visited this site and read the reviews which all accurately explain my experience. Despite 800 credit scores, 60 % equity, this company has continually asked for more and more documents. They even requested me to obtain our tax transcript from IRS. I complied with all their requests even though many times they requested the same things over and over again. But the final straw was when I received their Closing Disclosure as we approached a closing date. They had REDUCED the loan amount and TRIPLED the loan origination points as they claimed that we had requested a change in terms. UNBELIEVABLE. I now have an email into the supposed manager over my loan processor. If this is not resolved promptly, I plan to pursue all legal remedies. UNDER all circumstances, do NOT use this company.

Applied to prequalify for a mortgage loan over a week ago.
Original email said 4.99%-5.35%.
Loan officer cameback with 5.85%, which was not what was communicated.
Then estimates $9k in closing fees for points. When i challenge why and to be removed. Explanation is buying points is good. Also did not fix the high cost but pushed a $1000 if signed today.
Sorry a company that lies on interest rates and closing cost inflation - should not be in business.

This company shows tables for all types of financing. When you select the interest rate you would kike it shows you the cost, problem is the shown cost is for the ideal credit score and financial picture. You don't find this out until you have paid 35.00 for a check on your credit score, after paying and finding out that the closing cost had becme five times higher than first quoted i felt taken advantage of, there should have been a notice making customers aware of the fact that their costs, in most cases, will be higher than their tables showed.it compares to the old bait and switch tactic. Stay away from this lender. What they are doing may not be illeagel bot it is shady at best