The entire process was laborious but understandable with the number of crooks and scams going on in this country information given to me was to the point and timely. Amerisave supporting cast paid attention to detail and performed well. Thanks for your efforts. read more

My experience with AmeriSave involved a loan process that took approximately 90 days, and my main concerns were the changes in discount points, the clarity of the pricing disclosures, and the length of the overall process. When I initially proceeded with the loan, the June 30, 2026 Loan Estimate showed 2.473% in discount points, or approximately $2,329, along with a $500 lock fee. I proceeded based on that pricing. During the process, the discount points later increased to 4.032%, or approximately $4,011.93. After I raised a complaint about the change, the points were subsequently reduced to 3.597%, or $3,578.60, on the final September 23, 2026 Closing Disclosure. While I appreciated the subsequent reduction, the final points were still approximately $1,249.60 higher than the points reflected in the original June 30 disclosure. My primary concern was not simply that the loan terms changed during the process, but that I did not receive a clear explanation of why the discount points changed so significantly. I also did not have a clear understanding, when I paid the $500 lock fee, of the conditions governing how the fee would be treated if the loan pricing or terms subsequently changed. The approximately 90-day processing time also made the experience more difficult, particularly because the pricing changed during the process. I recommend that prospective borrowers carefully review each Loan Estimate and Closing Disclosure, ask for written explanations of any changes in points or fees, and make sure they fully understand the terms associated with any lock fee before proceeding. This review reflects my personal experience and the loan documents I received during the transaction. read more

Worst experience with a lender EVER!! In short I answered an ad to help veterans get out from under high interest credit card payments. I am now left with 3 worthless checks totaling $29K, same high interest credit cards with over $600 in new interest charges, AND $50K in new debt. Actually $100k if you want to count the previous loan at 6 point interest rate, they did pay, with a 9 point interest rate. Wish I had read these reviews before ever signing the contract. read more

We responded to a mailer offering us a "prequalified" loan...spoke with Sam Varriano, very pushy fast/circular talker who assured us "he's on our team", he's here to help and all that...then told us everything looked perfect, no problems now it's just a $500 up front payment for procesing. We asked repeatedly what happens if it doesn't go through and were told "don't worry it looks great', "it won't be a problem" and never got a straight answer....fast walked us through a bunch of stuff to sign digitally and told us someone would be in touch to set up a closing....2 days later all of a sudden there's problems and it's not going to happen and the $500 is non-refundable... Stay away from these people!!! they KNEW our situation and that we were trying to get back on track after 2 unforeseen surgeries and that we were in trouble and STILL pushed and pushed to get that $500 knowing and not caring about the hardship they inflicted.... I CAN'T say enough bad or warn enough about them..... read more

Worst experience ever! Save yourself some trouble and go elsewhere! I was charged the $500 upfront and told I was approved, then was told I needed 6 months worth of deposits for my alimony to get this over the finish line and we would have to wait 2 months. So after 2 months I contacted them and said I had the 6th month and they said we're good to go except underwriting needed proof it was coming from ex-wife even though I had a court order showing it. No matter what Amerisave keeps adding hoops to jump through and I got no refund of my $500. I went to Rocket and got three times the money and instead of a $500 fee got a $2500 credit for the closing. Plus a much lower rate! I would give them a Zero if I could, I still want my refund btw Amerisave, you suck! read more

They rope you in with empty promises charge you a so called $500 refundable deposit that they won't give you back once they deny the loan oh and enjoy the we need more information calls read more

They deserve a 0! Don't waste your time, even if your credit is good, documentation submitted, and your closing date is listed.. they will still decline your loan. They have you submit alot of documentation, call you everyday, change dates, as well as request unnecessary documents to decline you in the end. Save yourself the $500 loan lock in and use your local credit union. Also, as soon as they decline your loan AFTER WASTING your time, suddenly the emails and phone calls are not answered at the same rate. Document everything. I recommend 0/10 read more

Terrible experience. Interest rate is high, took $500 as lock-in fee or as an advance in closing cost according to them but added a lot more in closing costs. I did not continue my application and demanded to reimburse my $500 but they did not reimburse me until today. I feel like I got scammed. Also they were asking for impossible documents from over 5 years history and bank statements that are not produced yet by the bank. When I told her it is not yet out and that I could give her the transaction date of current payment, she raised her voice and said how can she tell if it is not a payment for past due and compared me to those "liars" according to her. I told her she can call the bank. HOW TERRIBLE this people are. read more

I wrote a couple reviews about amerisave and charging me $500 for a service that they were not able to provide . After I wrote those reviews, I was contacted by Megan in customer service . She said she would check into it and to tell you the truth I thought she was just trying to pacify me . SHE CAME THROUGH. She was able to credit my account $500 because they were not able to facilitate a loan. Thank you Megan read more

Disingenuous and deceitful in their dealings. I've corresponded with Gabriel for about a week now on getting less than half of the equity that I own. We had agreed on terms on the phone. He guaranteed he could offer me a specific rate and closing to beat a competitor. I got off the phone with a promise from him to receive funding docs to get the process done. Instead, I received an email stating I had to have a better offer in writing to get a deal I was already promised. Email said our conversation "didn't count" even though the guarantee was on a recorded line. Research all your options before committing to this predatory lender. read more

I wish I would have checked this company out before selecting it for an equity loan. Like a few others my application fee of $500 was waived. I guess how I got my defenses down. After six weeks of submitting all the necessary documents I was declined on the portal with no explanation. What was the point? I over $600 worth of equity with a credit rating of 780. At the beginning, they knew my income, debts, and the reason for the $50,000 that I request. What a poor managed organization!t read more

This company is completely full of sh$$! They took my $500 and made me believe I would have no issue getting refinanced and coming out with cash in hand. So I did all the things. Signed the stuff the told me to sign. They sent an appraiser and appraisal came out a little less than previous numbers. However, I also informed them that I was having a new rook installed among other things. They did not care. Then all of the sudden, they changed the numbers on my loan. Payout amount was significantly less than what was first told to me and they were not going to include all my debt. Then they gave me problems about the deed which I had no issue with previously obtaining a mortgage thru loan depot. So I had a new deed drawn up. They told me once I got that, we would speed along the closing. Sam Verriano insisted he wanted to close this loan quickly also. I kept on being told we would close within the week. Then nothing. A week came and went. I tried to contact them and nothing. Finally I received a call back. Kenedra Bennett insisted she had no idea what was taking so long or what the hold up was. Then I heard nothing. This all started in July, mind you. Then about the first week of October, Sam Verriano called me and told me the numbers changed. They were no where near where we started or what they had changed to after the appraisal. Instead now, I would have to bring money to closing. Now they are sending me a bill for the appraisal. I chalked the $500 up to the game, but another $875 for them to make me think they were here to help me?? Then to keep slowly changing the numbers? Then drop the last bomb, probably knowing I would decline. Why would they want that? I'll tell you. Because they make a good $1800 for yanking my chain. This is wrong to do to people and the shadiness of these people to simply drop off the face of the earth then hit you with owe you need to pay money now. I feel taken advantage of and completely disappointed in this company. I will encourage anyone and everyone I know to NOT do any business with these people. Scammers! I am a single mother. Shame on you for taking advantage of someone who already works super hard and long hours to make sure her child has what he needs!!! read more

terrible, hidden fees, then they want you to pay for the appraisal, worst experience in 40 yrs dealing with a mortgage company, DO NOT use

I woud like to update my review. After going through the BBB my situation was still not to my satisfaction. They continued to dispute and ignore my concerns. When I posted on this platform Meghan contacted me about my concerns and was able to get my concerns heard. While doing so I received another bill for $750 for the appraisal because they said I backed out. I contacted Meghan and she immediately let me know that was in error and removed said she would get that taken off. The company horrible but keep Meghan. She's the bomb! For those that are having issues skip the BBB and contact Meghan or Yelp directly. read more

A "terrible" company to deal with. They string you along and ultimately don't come through with anything. One could say that they only want your $500 application fee. There are far better options available for one to consider when applying for a loan. Vince M read more

I had to pay a $500 fee up front to lock in the interest rate, with the assurance it would be deducted from the first loan payment. Afterward, they denied the loan (essentially flushing that $500 down the toilet) because we used a po box instead of a mailbox. I foolishly believed that bills, tax forms, and the deed to the house showing the address would be enough, but they felt otherwise. This wouldn't have been such a big deal if they had told me about this before burning my money. Oddly enough, the first time I sent over the forms they asked for (which showed a po box) they had no objections. So, I wind up emailing the loan agent about why I can't get a refund, who directs me to someone else, who directs me to the first guy. They give me the runaround, being rude and condescending in their emails and ghosting me for weeks at a time, refusing to answer why the po box concern wasn't raised until after I had given them my money. I would not recommend doing business with AmeriSave. read more

People are rude and have a very ghetto attitude. Also lies about calling who is necessary. Gave them all info requested but apparently math isn't their strong suit which is worrisome for a mortgage company. Will never use them. read more

2/2/2026 8:30 pm. Representatives stated checking my credit score would not affect my score. It did and was not a soft check but a hard check and I lost 3 points. Yea, 3 point is not much but he lied to me, or he does not know what he is doing. read more

This company is horrible. Had us going in circles for them to deny us after paying them $500. As soon as the manager seen the home we had (he googled it and asked what did we do to afford this home, we're black by the way) he made us go through hoops and then ended up denying us. Horrible experience and very unprofessional. read more

I never applied for a loan or contacted AmeriSave. However, I received a "denial" letter saying they had run my credit and my loan was being denied due to insufficient information. A loan number was provided in the letter so I went to their website and logged in with my phone number and sure enough I had an account that I never set up. I've never even spoke to anyone there! I never authorized this, and don't need a mortgage. This is VERY shady! Their business practices need to be investigated! read more

I would definitely not recommend amerisave to anyone for the same reason as many of the one star scores on yelp. I wouldn't be surprised if there was a class act law suit against a scaming company like Amerisave. From day one of receiving my $500.00 all but one of the emails that where sent by me where completely ignored. No response at all by the loan processor 11 emails and 11 calls in 40 days. Kristine Murphy the loan processor for my loan from day one put my information in the system wrong. What a nightmare experience. I could write a novel on this. But going to make it short. Don't do Business with AmeriSave. read more

I never applied for a loan or contacted AmeriSave. However, I received dozens of spam calls and a "denial" letter saying they had run my credit. I never authorized this, and don't need a new mortgage. Their business practices need to be investigated. read more

Amerisave added an extra $ 3730. near the closing of my loan after telling me over and over that no more fees would come . and when that fee came in Kelly Porch denied ever saying that but all conversations are recorded there. you should probably record the conversations your self. when asked to talk to someone above her I was told we will ask if the fees can be removed but pushed me towards either excepting the add on or ending the loan . the lock in fee and the inflated price of appraisal was to be taken out of the loan . I was lied to with a bate and switch type of scam and others should beware they've done this many times in the past . if they record you, then record them. to protect yourself from being lied to read more

Seems like the right hand cant keep up... Seems like the right hand cant keep up with the left hand! So many hands in a loan. Went with Better Mortgage and portal was easy and much simpler process :). Liked Zach Badawi but was never available once approved. Loan changed 3 times in process and never got it right. read more

My experience with AmeriSave has been deeply frustrating and far from smooth. From the beginning, there were repeated communication delays, and I was asked to re-sign the same documents multiple times on their platform. The notary even forgot to have a required document signed, which triggered additional back-and-forth just to get that corrected. Worse still, AmeriSave sent an incorrect payment amount to Wells Fargo. I raised concerns multiple times, flagging that something seemed off because my Wells Fargo account wasn't reflecting the payoff. Despite my warnings, the issue persisted--leading to a situation where they were asking me to pay $6,000 out-of-pocket for an apparent property tax payment with only a possibility (not a guarantee) of being reimbursed from the escrow account. Ultimately, I was able to get them to cover this fee with the title company. Because of AmeriSave's continued errors, I did not receive the standard one-month payment break typically associated with refinancing--something that should have been a given. This experience has been deeply disappointing and I am left feeling that I made a mistake refinancing my mortgage loan with them. I cannot recommend AmeriSave based on how my loan was handled, and urge you to look into alternatives. read more

Scumballs through and through. Baits you with promises of low mortgage until you pay their "refundable" deposit but its not really refundable because they kick it back only at closing. Secondly, as soon as you pay that they start changing the terms of what you agreed upon. When I canceled they wouldnt give the $500 back. Scum!!!! read more

They will ask for a 500$ deposit (most places do not do this). They'll over promise and not deliver. You'll go weeks without any communication and they seemingly intentionally call right at the end of their business day on Friday. They'll get the SAME information multiple times and they must be rocking with 1900's technology because if you have 2 separate banks they can not add the amounts together. Then They'll say you have an inadequate debt to income ratio... which would be reasonable if this was mentioned one of the fourth times prior you've given them all info. My income is nearly 3X the amount of the mortgage they were working with and that wasnt sufficient so Im unsure what the expectation is. Save your time and go literally anywhere else. read more

I spoke to a loan officer last week and gave him all my information for a refinance. He was having difficulty getting the income to debt ratio to work and asked if he can call me back in about 10-25 minutes. I was ok with that. Here it is 4 days later and still hasn't called. I left 2 voicemails for him and he is still ghosting me. Find a company that has better customer service than this one. read more

This place is the most annoying place if you apply for any sort of mortgage or line of credit somehow they get your information even if you don't even apply through them, they call obsessively 10+ times a day somehow even get your work phone number through your job and even calls that nonstop. I've told them to stop calling me multiple times and all they do is just keep calling. I have blocked at least 20 numbers and somehow they still can keep calling from other numbers. It's like they spoof their numbers. What a joke of a company. read more

Once they hook you with your lock up rate, they make you think that the loan is in the bag. Not true. Terrible follow up once they have your $500 application fee, or what they decide to call the fee. Avoid these shysters if at all possible. read more

My experience with Amerisave was not a pleasant one. I don't even know how they got my information. But they kept calling me so many times I had to have them blocked to prevent future calls. It took a very long time to do that as well. And, it didn't work the first time. I was shopping for mortgage rates so I guess it's my fault for not knowing I was putting my information out there for companies like this to contact me. But, the worst of it was I attempted to work with them but the seemingly have the most unqualified and/or unprofessional people making the initial calls. You know, people who don't have a strong handle on the English language. After that, you get transferred to a 'Concierge' which did seem to be an improvement. But, all I was doing was trying to get information about rates and payments and all they wanted was my life history and all documents. I gave up after waiting several days for someone to reach out to me for the information I was looking for but the Concierge could not give me what I needed. Yet, they wouldn't stop calling and harassing me about information and documents they wanted to give me the information I was requesting. Bunch of morons. I do not recommend working with this company. After the fact, I did some research and found out there's a pending Class Action Law Suit against them. Again, my fault for not researching first. But still, what a terrible company. Zero Stars if I could. And, if you do not believe me, just look at all these other one star reviews, which I'm sure everyone would give them zero stars if possible on this format. read more

Simply a rip off. $500 to get started. Then, for me, on a 60k mortgage they were going to take 10k off the top. I'd get 50k but pay back on 60k. Look around before you leap, I found a great lender. read more

About a year ago I inquired about the rates for a Heloc loan. Made no application only provided my contact information that's it. A week latter I received an email requesting information to complete a mortgage application that I did not make. I blocked them after letting them know that another call or email would be forwarded to the FTC and BBB. Two weeks after that until now I have been undated with calls three a day seeking information about a loan I applied for most coming from overseas all robocalls. Today official looking documents addressed to my wife showed a loan number that she was declined. She never applied for a mortgage with Amerisave as we have been in our home for over 15 years both she and I having FICO scores over 845 and they showed her scores in the low hundreds.ridiculous . Amerisave is unsafe . There are no limits to which they will go to garner money from everyone who makes an inquiry if only to sell your information to scammers. And now it appears someone has acquired copies of the paperwork they use to make it truly official looking and if this is really from Amerisave they could not have garnered my wife's Social as it is not on any application which may answer the question why they said not to contact the credit bureau for her report that they didn't report it. Stay the Hell away from these people read more

Terrible company!!! 2 years after my sisters husband passed away, she is still fighting to keep her home. She has jumped through all the hoops they have set, yet they insist she is in default. They suck!! Stay far away!! read more

AmeriSave literally saved my divorce payout! Yes, there is a $500 lock rate fee, but the amount of interest i saved with their quote over 1% lower rate than any other vendor (bid the loan to multiple lenders) easily outweighed the rate fee. read more

Horrible company and customer service. It's been over a month. VERY LITTLE communication after we paid our $500 "lock fee" that is non-refundable! We have provided everything asked for. We have $600K equity in our home, are requesting a $107K loan to pay down debt and this has gone on and on with no loan, no communication, etc... Jennifer Rice was our loan processor and Eric Wines was our Loan Officer. Both were terrible with transparency, communication and getting our loan closed! Wish 0 stars was an option. DO NOT DO BUSINESS WITH AMERISAVE! read more

don't waist time unless you got months do get a deal done they make you pay upfront 500 buck then if they can't even know they pre approve you it takes a act of god to get your 500 back it's been a month and I still have not gotten my 500 back they waisted my time went threw another bank took two weeks and they had better rates and had cash in two weeks I would not recommend them to my worst enemy read more

this company is a scam.. Malachi the loan officer is very unprofessional and never mention that you will not get refund if you decide to go with a different company. He even hung up on me when ask for a refund... read more

Refinanced my mortgage and it was a very easy experience dealing with Amerisave. I highly recommend seeing what they can do for whether it is a refi or a new mortgage. Also when I changed Homeowner insurance Co they made it easy for the necessary paperwork to go back and forth. read more

I wish I could give 0 Stars. I am a veteran, I was trying for my first VA loan. My biggest regret was I did not come to Yelp first and see the reviews. This company is a cluster f.... well you know the rest. After making me wait for 6 weeks to finish the paper works, no one would answer my call afterwards. Now the rates are higher. I know I am just another face in the reviews here, but I urge, I beg you, save your time and energy and DO NOT USE THIS COMPANY. I hope this review helps someone out there, I have been burned and I hope this will save you from going to this company. US Army Vet read more