After 4 months of dragging out our refinance process because of their screw ups, the cancelled my loan application due to lack of information. But I sent every single thing they asked for. I will bet I faxed or scanned and emailed them hundreds of pages of documentation over that time period but it was never enough. The more you send the more they want. It was only after sending them a scathing...

• home purchase loan

I must preface this review by asking you to forgive me if it jumps around or is incoherent as I am extrememly mad. It's hard to gather ones thoughts into a concise formatt while shakinginly angry. Same goes with my grammar skills as well as spelling....As of now all I can think of are words that probably would make Satan blush with embarassment First, we were supposed to close at a great...

• Financial advisor
• Amerisave mortgage company
• Brad C

Amerisave refinanced my home loan at rates exceedingly better than any competitor I found on-line. Mr. Shaun Barry, Senior Processor and Ms. Valerie McMullen, Processer did an excellent job closing my loan in 30 days from application to funding (on a 45 day lock). I would gladly use Amerisave again and have already recommended them to others. By way of background I had attempted to refinance my...

• 1967
• 1973
• 1971

Amerisave is HORRIBLE!!! What should have been a 30-60 day process for a simple refinance turned into 8 months worth of delays, bait and switch, additional fees, loss of our paperwork and having to submit certain paperwork 4 times due to their claim of never receiving it and so on. Every time we would call to find out the status or find out how they lost our paperwork for the 3rd or 4th time,...

• Payment
• Electric charge
• Time

I would not recommend doing business with Amerisave. I have credit scores in the 700-800 range and have sufficient positive equity in my home, yet my refinance was denied. I paid close to $400 for an appraisal. I was given no reason for the denial of my refinance, other than that they were choosing not to proceed with the transaction. Obviously, I was upset that I...

• Interest
• Personal finance
• Credit

Applied for a refinance on our mortgage last September. Had to pay for the appraisal and credit report up front ($450). Our credit rating is over 800. To summarize, after three months, Amerisave could not get their act together. It had been so long since the application, Amerisave said we would have to pay for (and take a hit on our credit rating) another...

• Debt
• Credit history
• Personal finance

Stay away from Amerisave!! Run the other direction! This is a terrible company to do business with. The initial loan processor, Brad, told me that they were backed up so it would take 60 days. I was ok with that since I was saving a fraction of a point on my loan in comparison with a few other companies that I checked. Amerisave lied to me since it took about 120 days. I started the refi...

• Mortgage
• Grammatical person
• Mortgage loan

I had very good experience with this company in 2010 and the employers were very friendly and informative and my refinance went through successfully. With that experience, I was reaching them again through online applying the refinance again for my condo in early June 2012, as per process they ordered the appraisal and credit report asking me to pay upfront and asking me to upload all...

• Fannie Mae
• loan processor
• underwriting guidelines

They refused to include in my income calculation for debt ratio calculation the monthly note payments that I receive from the sale of a single family home I sold last year. Stating that bank statements are not acceptable proof and that the payments I receive must be on my tax return, I asked where and on which form and was told "the income should be written off on a...

• debt ratio calculation
• monthly note payments
• single family home

I wouldn't use Amerisave mortgage company to refinance a home loan EVER. They give you a rate, then try to switch you to another loan to their benefit. I have an 835 credit score and inquired about a refinance of my house loan and even mentioned that I may need to go HARP program based on the crash of the housing market. Well they insisted...

• HARP program
• Amerisave mortgage company
• home loan