I was contacted by AmeriSave (Loan Officer - Adil Ashraf) and given some estimates of costs associated for refinancing my primary residence which was mortgage. He was very pushy and he asked for my card number to put on file so he could continue with the process; immediately after he got card my card information, he charged my card a $450. Immediately, I called him to cancel the whole thing, he did not answered the phone. When he did not answer my calls; I emailed him to cancel the process, he did not reply to my email either. So, just like that they took a $450 from me (I wish there was an option to give a ZERO rating)... they are very dishonest and misleading, stay away from AmeriSave.