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Amerisave Mortgage Review


Rating: 8.4 / 10 (Excellent)
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AmeriSave is a mortgage corporation based in Atlanta, GA that provides refinancing, real estate, mortgage loans, HARP, and other loans to customers in 49 states and Washington DC. The company was created with the aim of making shopping for mortages faster and easier and offering expert customer service to all loan applicants. The direct lender offers a large network of privately owned mortgage lenders and simple online application for mortgage rates.

Home Types

  • Condominium
  • Second Home
  • Single Family Home
  • Investment Home

Types of Mortgages

Fixed Rate Mortgages

  • 15 Year Fixed
  • 30 Year Fixed

Adjustable Rate Mortgages

  • 3 Year ARM
  • 5 Year ARM
  • 7 Year ARM
  • 10 Year ARM
  • 30 Year ARM

Veteran Loan Rates

  • 15 Year Fixed
  • 30 Year Fixed

USDA Rates

  • 30 Year Fixed

FHA Rates

  • 15 Year Fixed
  • 30 Year Fixed

Home Affordable Refinance Program (HARP)

Jumbo Loans

Qualifying

AmeriSave provides loan services for U.S. and non-U.S. citizen regardless whether they are a permanent or non-permanent resident of USA. Before being approved for a certain loan the property will have to be appraised in order to ensure that the mortgage loan amount will not exceed the value.

  • Minimum credit score of 620 for conventional products. (580 minimum credit score for FHA, USDA, and VA)
  • Requires appraisal to determine the applicant’s property value, and if they are refinancing or purchasing a property
  • Must provide full documentation regarding an applicant’s income for conventional loans. Limited documentation is allowed for FHA and VA applicants.

AmeriSave Loans Bottom Line

AmeriSave is definitely one of service that should be considered because of its direct loan service and broad network of privately held online mortgage lenders. The company has been approved by various associations not only for the rate options that they provide, but also because of their fast and straightforward online application that doesn’t require any personal information.   

 

 

 


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Customer Comments & Reviews

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J
Jim
Fitchburg, Massachusetts
11/4/2017
Terrible company to deal with. Misleading originators, shoddy and inaccurate paperwork, plenty of hidden fees paid to companies owned by their corporate officers (Linear Title Services). Avoid at all costs!


J
Jon L
Grants Pass, Oregon
10/27/2017
Amerisave was pretty easy to work with even though my tax returns are large. I own several properties and am an independent contractor making it even more difficult to find someone to look at me. Without hesitation they reviewed my cumbersome tax returns prior to me giving them an actual application. When they stated that even though they were challenging their experts found me to be a good loan candidate. Then they actually took my application over the phone on a Sunday. They only thing that kept me from giving them a full 5 stars is that their communication is weak. I would write and call and get no response often for days. But their rates and their skill level are great.


M
mary
Winter Garden, Florida
6/25/2016
Don't trust Amerisave with a score of 720 they have no investors to lend, dealing with underwriters on training that don't know what they are doing,( in limbo for too long )



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