AmeriSave

First time for refinancing my home and applied with AmeriSave due to them be recommended by lending tree. I assume AmeriSave pays lending tree $$$ to promote them. Either way, horrible communication from loan originator. Underwriters would ask for the same documents multiple times (not paystubs but previous year w-2s and tax returns). What did they do with the first set I submitted? Had to Withdraw my application 2x since the first time I guess they disregarded the email or are just idiots working there. Would not recommend to anyone.

I applied for a loan and was treated well. But that's where the good service ended. They had put the wrong city in the application so the appraisal service did not cover my area. I got that straightened out and go a call from the appraiser in my town. She made an appointment with her having to take time off to meet her because her daughter was having a school program on the day I had free. That's the last time I heard from her! No return phone calls. Then I noticed that they canceled by loan, I guess because it was taking so long. I contacted them and Atif ** Loan Originator NMLS ID #** told me that they had tried to contact me. Funny I had no email messages or phone messages from them. I think that he's trying to cover his butt for screwing this up. At any rate I have now lost the $400.50 dollars I paid them for no assessment plus the few point hit on my credit. Don't waste your time with them.

I went thru 1 agent and my loan wasn't approved. It was for to much money. I had another agent call me the same day and said he could get it approved. Lowered what I wanted to borrow which was fine with me. Paid application fee which I had to borrow. Drug it out for 4 weeks then told me I didn't qualify. I own my home no mortgage on it. So if I would have defaulted they would have had a home appraised at 121,000 for a 61,000 loan. I would never send anyone to them for a loan. They lie to you through the whole process. DON'T TRUST THEM.

I really wish that there was more truth online. If I had only seen these reviews instead of the "paid and faulty reviews". That Amerisave controls and wants you to see. This company is a complete scam. They also own the Appraisal company NOVO. BUYER BEWARE. They will have their own appraisal company do the report, claim that it will be done by a third party unaffiliated appraisal company. THIS IS A LIE.
Then they will try to jack up your rate, closing costs etc. It doesn't matter if you have excellent credit, a great job, whatever! They will try and SCAM you! We lost over $1,000 just trying to apply and then pulled out when we realized how terrible this company was. WALK THE OTHER WAY PLEASE.

In may 21 I reached out to amerisave for a re-fi. They WERE quick and courteous to get me A loan. They immediately wanted the appraisal fee, but after a month of sending info and neccessary paperwork. We were down to changing the insurance, when THEY saw that the original house was a manufactured home. They terminated the loan, and said they WOULD send the fee back to me. It's now been over a month and no one will return my calls! Why wasn't i asked MORE about the home? I never saw an appraiser, so how can I be charged for one?

Johnathan Kavanaugh is the worst loan originator at AmeriSave. He creepily dug into my whole background and sent me messages on the side while looking into my credit report. Doing credit scan is one thing, but to dive deep into my personal information and question all that he sees is a violation of my privacy. Not only that, he also unnecessarily shared my personal information with agents he sent my way. Did not feel comfortable working with that company.

Was caretaking for my mom for 1.5 years and left my 27yr business closed during this period until she passed, needed to get back on my feet so looked at taking out first mortgage on my newly built home. They promised me the world last September,,, 8 months later not only still waiting but i had to cancel in attempt to find a reputable company instead. Requirement after requirement with no results. Coincidently perhaps but both home and cell phones blowing up with telemarketers and auto warrantee scam calls all day! I truly believe this is there only means of income. Horrible company in my opinion,,, Stay far away!

Trey LaVera and Scott Circo were very thorough and efficient! When you're serious about doing your refi, these two will get it done in no time! They were the best! With these two behind the charge... everything happened it seemed, in minutes... of course in reality a little longer. With all my questions, they were quick to respond and answer them to my understanding. Once these two got the ball rolling and with the rates that were being offering, I didn't have a chance or desire to go with any other lender. Thanks for having such great employees on hand.

Like others, I paid $500 to get the refinancing process started. They kept asking for more and more obscure documentation (like my divocre decree from 12 years ago!) Finally, they asked me for a paystub from 2020. Not only do I not save my paystubs for years, but I was self-employed at that time and didn't have any paystubs because I was paid in distributions. This appears to be a scam.

AmeriSave quoted and approved me for a loan. Found out from the realtor that AmeriSave does not loan on manufactured homes in mobile home parks, and now AmeriSave won't give back the deposit I paid on a loan I was told was approved. They finally admitted that they wouldn't loan on my type of loan and still I cannot get my money back, stay away from this lender.

If you are assigned to Daniel Hill
(Loan Originator NMLS ID #*******) RUN. He will waste your time and not have a clue what you are trying to accomplish. My current rate is 2.625. I want to do a cash out refi using a VA loan. We started this process two weeks ago. Today I noticed his GFE was just a refi. I have over 130k in equity. He told me a straight refi is my best bet.

I went with Amerisave on a cashout refinance of 150k on a 300k house value. My credit was over 800. The interest rate offered was 2.25% on a 15 year loan. Like most people here, they required a massive amount of documents. I expected this, so no problem. After 4 months of providing everything, they submitted the final contract with the interest almost a point higher than we agreed on. They did not draw attention to the change, just emailed me the new contract. When I asked about the changes, they said the product they originally offered me was no longer being offered. I declined the changes and went with Loan Depot. They offered me the same thing and we closed in 35 days. My advice is to give AmeriSave a pass. If you have a similar experience, be sure to file complaints with the BBB and Attorney General for your state. If you don't file complaints, they will continue to do this to unsuspecting applicants.

Worked with Tarek and Sean. They are absolute imbeciles. They hired an appraiser that valued our home under 30k. The listing agent submitted a reconsideration and the appraiser just refused to reply. Tarek and Sean continually asked me and my real estate agent for updates on the reconsideration- when they filed it! And they hired the appraiser! Tarek was relentless about reminding everyone he was a lawyer. Obviously a bad one if he's selling loans for an awful company. Thank god we were able to switch companies and qualify for a loan that Tarek said we couldn't qualify for. His manager Sean is even dumber. He actually dodged our calls for over a week. Do not waste your money or time. You likely will lose your dream home.

Let me share my experience with you. In the beginning the loan originator was great until I paid the $500 fee. After paying this fee, her attitude changed. She has shared with me that I wasn't an important client and she other clients so, keeping me up-to-date. I need to open my chart daily and read it. They have pulled 4 credit reports and still not closed. They have added points and keep redoing the numbers and interest rate to increase the amount. This has upset me so much and I have cried over it! Now, my score has dropped 20 points due to Amerisave. In the begiining of purchasing my house the previous company was never like this even when I refinanced with them the 01st time. Never all of this paperwork. Unhappy totally with Amerisave and there representatives.

Our experience seems to be very similar to a majority of the most recent reviews. Started the process on December 3rd and still don't have a close date. They kept delaying on information that had already been provided several times. I also caught them in a lie during the process. We have solar panels and needed a subordination from our lender. Amerisave was telling us that the main reason for our delay was waiting for the lender to return the subordination. I decided to call and found out that Amerisave never submitted the subordination and it would take another 25-30 to process once submitted. This is just the tip of the iceberg regarding there processing. I have done several refi's in the past and I've also worked in the mortgage industry so I know a little about the process. I know they have great ratings but it seems that lately they seem to be spiraling downward in their customer service. So just a heads up I would look at another lender and STAY AWAY FROM AMERISAVE!

I applied with Amerisave for a mortgage refinance and was told by the agent I wouldn't qualify. A second agent call and told me I would qualify. He accepted my application and told me he would not charge me for the credit report or appraisal until after I was approved. He, then called me again and told me he couldn't represent me because I was the property of the first agent. My credit card was charged $35.00 for a credit report and the appraisal was cancelled. The credit report was not done because I had locked my accounts, but Amerisave would not issue a credit and I had to dispute the charges. Several months later the charge was deleted from my account. Not a good place to do business.