Amerisave Mortgage Review

Rating: 9 / 10 (Excellent)
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AmeriSave Mortgage Corporation is an Atlanta-based retail mortgage lender offering fixed and adjustable-rate loan products including purchase and refinance loans, VA, USDA, and non-conforming loans. The company, which has over 15 years of industry experience and holds an A+ rating with the BBB, provides exclusively in-house services, from processing and underwriting to closing and funding.

How is Amerisave rated?


Loan Specifics
Customer Experience
Qualification Requirements
Lender Reputation

Overall Rating: 9 / 10 (Excellent)

AmeriSave Mortgage Corporation is an online mortgage lender offering competitive rates and a broad range of loan products to choose from. The company underwrites conventional, government-backed, conforming, and non-conforming loans with fixed or adjustable rates and delivers a truly convenient service that's fully managed in-house. With AmeriSave, clients looking to refinance their mortgage can complete the entire loan application process from the comfort of their homes, while those seeking home purchase loans are only required to meet with an attorney upon closing. Anyone wanting a quick, convenient, and reliable alternative to traditional mortgage lenders and brokers will find AmeriSave offers exactly what they've been searching for.

Amerisave Customer Experience

Loan Specifics - 9 / 10

AmeriSave offers a wide variety of conventional, FHA, VA, USDA, conforming, and non-conforming loans with fixed and adjustable rates. Although they state they extend many more loan products than those listed on their site, it appears the company's loan terms mainly range between 15 and 30 years and their government-insured loans are fixed-rate only. AmeriSave charges an up-front appraisal fee, yet other fees may apply upon closing. What sets this company apart from other competitors is the fact that they attempt to make the process of shopping for mortgage loans and rates as easy as possible through a convenient application process and rate watch alerts.

Type of Mortgage Loans

["Fixed Rate 15 Year", "Fixed Rate 30 Year", "5/1 ARM", "7/1 ARM", "Jumbo Fixed Rate", "Jumbo Adjustable Rate", "VA Fixed Rate", "FHA Fixed Rate", "USDA Loan"]

Types of Mortgage Loans Offered

  • Fixed Rate 15 Year
  • Fixed Rate 30 Year
  • 5/1 ARM
  • 7/1 ARM
  • Jumbo Fixed Rate
  • Jumbo Adjustable Rate
  • VA Fixed Rate
  • FHA Fixed Rate
  • USDA Loan

Amerisave Customer Experience

Customer Experience - 8.6 / 10

AmeriSave's client-oriented services save borrowers time and effort through a streamlined application process that yields fast results. The company also offers quick online quotes, yet applicants must provide their Social Security number and other personally identifiable information before they can receive a personalized offer. Although somewhat outdated, their website provides valuable loan product information as well as useful tools and additional resources like a glossary of commonly used terms and various types of mortgage calculators.

Online Features

Online Application
Online Quote
Additional Tools and Resources
Mortgage Calculator
Affordability Calculator
Help Articles
Check Today's Rates
SSN Required for Quote

Amerisave Qualification Requirements

Qualification Requirements - 9.6 / 10

The down payment amount and the maximum debt-to-income ratio will vary depending on the loan type as well as the appraised value of the home. AmeriSave does not disclose whether or not they accept non-traditional credit histories, but require a minimum FICO credit score of 620 for conventional loans and 600 for government-backed loans.

Key Requirements at a Glance

Minimum FICO Score

Amerisave Lender Reputation

Lender Reputation - 9 / 10

AmeriSave is not yet accredited by the Better Business Bureau but holds an A+rating with the organization based on 30, mostly negative, customer reviews. Although they have received a total of 113 complaints to date on, this figure is not uncommon for a lender servicing 49 states and the District of Columbia. There have been few regulatory actions taken against this lender, and they only been the object of a moderate number of complaints—again, for a company of its size—on the Consumer Financial Protection Bureau's website.

Key Facts

Lender Type
Direct Lender
Year Founded
BBB Rating
BBB Positive Reviews
BBB Negative Reviews
Collection Date

Complaints & Regulatory Actions

Nationwide Mortgage Licensing System ID
The Nationwide Mortgage Regulatory Actions
Consumer Financial Protection Bureau Complaints

Company Profile

Full Name
Amerisave Mortgage
Company Website
3350 Peachtree Road NE One Capital City Plaza, Suite 1000, Atlanta, GA, 30326

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Customer Comments & Reviews

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Fitchburg, Massachusetts
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!

Jon L
Grants Pass, Oregon
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.

Orlando, Florida
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 )

Our Partner
9.0 / 10
  • A streamlined online application process with rate lock option
  • No-obligation online quotes with no personal information required
  • A broad selection of mortgages including FHA, VA, USDA, and jumbo loans
  • In-house services including processing, underwriting, closing, and funding