DIANNA R.

I was very impressed with my loan officer as I began the loan process. He was easy to talk to and easy to get in touch with. One of the reasons that I chose Amerisave was the saving that I thought I was getting on the closing Costs. On 10/18 I was given the estimated closing costs of $3559. 00 which included a 1.97% Point cost of $1970. 00, after comparing to the other lending companies I decided that Amerisave was the best. Deal. On 10/22 I called the Loan Officer to discuss the closing costs and what other lenders were telling me and Made sure that what I was told on the 18th was accurate. All was confirmed and I was assured that the closting costs were indeed accurate. After the confirmation, I was no longer able to make contact with the loan officer. The processor person was wonderful and went out of her way to help me. The loan took about 60 days because even though I have excellent credit and assets WAY ABOVE the $100,000.00 I was asking for, the underwriting department kept asking for more and more information. When it was all said an done, I sent them 51 pages of information, it was a nightmare. On 12/20 they sent me the FINAL closing cost details which was $1,068.53 more than the 10/18 closing estimate. They were showing the points charge as 2.25 or $2251. 00 and they were erroneously charging me Property Taxes of $527.60. The processor told me she was not able to make any changes to the points they would have to go through the Loan Officer. I was not able to get in touch with him, so I called his manager who said he would look into the problems. Wonder of Wonders the loan officer did call me on 12/24 to say the points went up between 10/18 and 10/22 but I told him we had discussed the closing costs in great detail on the 22nd and he assured me they were accurate. He assured me that he would talk to his manager to see what could be done. My closing was scheduled for 12/26@8:00AM. Well, to no surprise I never heard from the loan officer again. As for the closing costs, the points remained at 2.25( instead of 1.97 like I was quoted) the property taxes were removed (that was the only good thing that happened), some how between the 12/20 FINAL Closing Costs and this 12/24 FINAL Closing Costs - they mysteriously came up with an additional $40.00 charge for deed Prep Fee, they increased the Recording Fees from 56.00 to 79.00. I'm sure they knew that I was just fed up with this whole ordeal and would just said OK, I surrender - You got me good. In Conclusion - be very ware of dealing with these people. Make sure you get everything in writing moment to moment. If they give you an estimate and you wait 30 minutes to make a decision make sure you get something new in writing showing the date and time of the commitment or just deal with someone else. As for me, I will never deal with this firm again. I really feel like they are very un-trustworthy.