AmeriSave Loans

If there was a zero rating, Amerisave would deserve it. My husband and I have a VA assumable loan. We sold the house at the end of November 2022 and were suppose to close January 5, 2023. Well the buyer and us are still waiting going on 5 and half months!!!

Amerisave was contacted November 2022 inquiring what was needed to transfer the assumable loan. We received and document requesting the reason for the transfer of the loan. We informed Amerisave that the house was sold, and buyer wanted the Va loan transferred. A closing of the sale was scheduled for January 5, 2023. That was the only document we received for over a month. On following up, the next document provided was 3rd party authorization form. Six weeks later and nothing was provided for the buyer. We followed up again requesting…

These people will not stop calling me night and day. I have begged them to stop. They just talk over me. Next stop is the BBB.

I want my $500 refunded back t0 my card . one of my agent had me under alot false pretense he couldnt delivered I lost the home I wanted do badly ,they made a few errors and its very disappointing It's so much I can say in details but I would be typing forever..

Sir/Ma'am:

Last Oct 2022, we were looking to get a home mortgage pre-approval with Amerisave. We got connected with their representative, Ailin Zamora-Perdomo. She just wanted us to process it, and offered a low interest rate but did not mention to us that we wouldneed to be paying high points of $23,010. We also discussed that the $500 lock fee may be refunded if we did not use the loan and claimed we are on a recorded line so it can be trusted. We were so shocked with the points, she should have discussed it with us.

I have been following up with Ailin twice for the refund since we did not pursue the loan, and did not get any response.

Looking forward for some help.

AmeriSave mortgage is ruining my credit. My account has been under loss mitigation for over a year and no one seems to be able to explain why my case can’t be closed out. This has caused my loan to reflect negative/delinquent payments for the months that were covered during the time of my approval to miss payments due to the qualifying reason.

Since the agreed upon time expired I have never missed a payment 12 months later but reflecting I’m 4 months behind. It’s frustrating, please help

I was going to refinance my manufactured home, but did not like some of the terms & decided not to go through with the loan.

While I was out of town (after the 1st few days of speaking with and filling out forms, faxing etc to loan agent); I get home. After 3weeks to find letters from my home owners insurance company that Amerisave changed my policy to them!!!!

I never gave permission for this and cancelled this loan day before they did this!!

Now I'm going to be having to straighten all this mess out.

I need to find out what legal government agency to report this sham too.

Amerisave suddenly started calling my personal cell number while I was on a recent trip to AZ. I talked to one person, told them to put me on a don't call list. I have received multiple calls a day from different Amerisave numbers since speaking to the rep.

I'm blocking all the numbers but they continue with new ones. Aggressive Spam all day and into the evening I will never use this company for this reason alone.

I begin a refinance with the company. waiting for a reply on submitted documents. I called to find out that the loan officer was no longer with the company. My loan was transferred to Mr. Michael Armstrong. I have gone above and beyond just to speak with him or someone for guidance, what’s required, and simple directive regarding the loan and the process. I have called, texted, emailed, but to no avail. I have to thank Ms. Savannah Brashear for exhausting all efforts trying to get me connected with Armstrong or his supervisor. I am working with an agent regarding flood insurance. I can’t get a call back to resolve this issue. I am asking for help to address this serious issue. I have exhausted all avenues.

Thanks,

Olesia Harris

EVERYTHING WAS GOING SMOOTHLY when I applied for a home loan through AmeriSave. The loan officer Joseph Zhou said that we qualify for X amount of loan and that FHA only looks at one year of income. ). He stated that the "underwriters" have examined our case and approved your loan.

So, he sent us the preapproval and told us to shop for a house. After multiple attempts, we got lucky, found a house, and made a bid with a large amount of appraisal waiver and X amount of non-refundable earnest money.

The seller accepted our offer (although he had other offers with conventional loans). We went under contract and started signing several documents. We paid the earnest money right away scheduled an inspection (out of pocket) and FHA appraisal. We informed our landlord and paid a fee to cancel the…

3% so I opted out of that loan because I specifically wanted a 30yr. 6% for the same $120k after he told me TEXAS wouldn’t allow it due to their “guidelines” I said I’d be willing to give them my business if they could match the terms of the current offer I had received.

I wanted to give AMERISAVE my business because the agent had treated me well and built great rapport but we could not get the terms I wanted initially . He asked me to send over the loan estimate from the competitor so I did.

This is how the conversation played out.

When I signed up with Tony Lumpkin he was friendly and very patient and now trying to get ahold of him is almost impossible I text him I leave voicemails I faxed over the information he needed on August 5th said he didn't get it and also I did it on the 18th and the 19th still claims he can't get my fax I have the the paperwork that says the fax went through on all three occasions if you don't want to process my loan please send me my $500 back

First, the individual who helped me was seemingly uneducated, did not know anything about the mortgage industry. Multiple times I had to correct his financial calculations. I was misinformed from the very beginning. Amerisave only gives refi's to those who have a salary.

My job with a school system is hourly/contracted, but is more than enough to pay all my bills, my food AND my mortgage. Amierisave refused to count it as income. Quote "it isn't real income". to be told that what I do "isn't a real job" is a slap in the face.

Second, I have $300K in my IRA and they refused to use is as my contingency. Amerisave said quote "you must have 30 years of cash that could pay your mortgage in your IRA in order to claim it for contingency".

If I had 30 years worth, I would NOT need a mortgage!…

Loan #15486432.

Loan officer Cori Gaskey, supposed manager Jackson Oliver and apparent manager Erica Lorti all fail to return any calls, answer emails or give me any status on a loan which is supposed to close this week.

What the H is going on?

I started A refinance process in February, had 800 plus Fico score and was told I was pre approved. I uploaded all necessary documents and suddenly no further communication until April. The loan officer allegedly had a short leave and no one continued the process.

So we started the process again in April and until today never got any information on what was holding up the process in underwriting. I sent several e mauls and left voicemails as well as spoke with customer service with no resolution and no loan!!

Underwriting. Loan processing is disfunctional, unskilled. Poorly trained. Request the same documentation 3-4 times and cannot read or comprehend a tax report These people are 4 weeks into processing a refi A PAPER/ GREAT CREDIT OVER 800/ SAME COMPANY/ BROKER AGENCY SINCE 1986 / LOW DEBT RATIO / EQUITY PLUS IN HOME!!! WE ARE INTO THE FORTH WEEK OF DUPLICATE DOC REQUESTS AS WELL AS EXTRA REQUESTS NEVER SEEN ON A REFII OR LOAN PREVIOUSLY!! GET CONTOL OF YOUR UNDERWRITING DEPARTMENT !

WE HAVE WALKED INTO OUR BANK AND CLOSED OUR REFI LOAN WITHIN 3 TO 5 DAYS PREVIOUSLY. SOOOOOOOO FED UP!!! LINDA RUCKER

Hello, I started the loan process back in April, with Christi Cassandra, very helpful and knowledgeable so i proceeded with loan process. 25??? then I was trasfer to Lloraine and her Jr. team of putting package together. Lloraine extremely nice but keep asking for same information over and over and over.

finally i sent e mail to Lloraine and copied Christi. then i had some conversations with Lloraine and Christi.

finally received an e mail from Christi that loan needed to be updated to 30 years . i responded to lloraine and Christi with an e mail in regards to bait and switch. i waited for over a week and no response.

then i called Christi and she said sorry for not responding sooner but had taken to her manager. again i waited for a couple of weeks so i finally texted Christi i was…

6-24-21: I checked my credit score and it dropped dramatically due to a hard credit pull from Amerisave on 6-23-21.

I had cancelled a loan refi with Amerisave in May 2021 due to too many issues with getting the loan closed.

On June 22, an Amerisave rep, Jack Sullivan called me, I told him I was not interested due to my previous bad experience with his company.

On June 23, Amerisave pulled a hard inquiry on my and my fiance's credit without permission using our personal information they had on file from the cancelled application.

When I contacted Jack Sullivan, he lied and said I gave him permission, that he absolutely would not have the inquiry removed, forcing me to file a complaint against Amerisave with the BBB.

I have repeatedly called the Loan Servicing department only to receive a message that they are servicing other valued customers and directing me to leave my callback information for a return call within 24 hours. Over the past month I have needed to reach Loan Servicing multiple times and never have I reached them on my call or received a call back.

I have been able to contact the AmeriSave Customer Service group to register a complaint and have my call transferred directly to a Loan Servicing person after being on hold about 5 to 10 minutes. While I have discovered a process for contacting Loan Servicing, I am extremely distressed to find that my new mortgage company has such low standards for customer service.

If I ever experience a complex or serious issue and need Loan Servicing's…

In October 2020 I applied with Andre Hall of AMERISACE to refinance my loan. He never mentIoned there would be an application fee. FOUR MONTHS THEREAFTER, he asked me for $500 application fee. Then FIVE MONTHS LATER after receiving documents that the loan was approved, he called to say my application was denied. He cited the wrong INCOME $850 as opposed to $7,900. I contacted AMERISAVE SEVERAL TIMES. I WAS TOLD THE $500 WILL BE REFUNDED.. Nothing so far. IF YOU FAIL TO REFUND THE $500 IN 10 DAYS - I will contact all complainers to file a CLASS ACTION LAWSUIT V. AMERISAVE IN VIOLATION OF THE T I L A ACT and RESPA ACT. and file a complaint w/ THE BETTER BUSINESS BUREAU.

AHUVA RABANI 20919 ABALAR ST. WOODLAND HILLS, CA 91364 818 888 5256.

In February, I applied for a home loan with AmeriSave. I put in an application and received a call that evening. The next day I was pre-approved. Once I found a house, I submitted my formal application on 3/17/2021 and paid the $500 application fee, which included a rate lock and a guarantee to close on time.

I received a certified approval which stated the amount I was approved for as well as that my income had been approved on 3/18/2021 and that my CREDIT has been approved on March 19, 2021. Mind you during this time my application was lost TWICE.

I resent it each time, along with duplicate requests for financial information which was sent each time. We received information that AmeriSave was waiting to receive one more paper from the title company and that we would close on April…

Horrible service. Mislead you with quotes. Amd rates. Poor communication and lack of follow up from loan officer. Not sure if they are legitimate.

I have had a loan with Amerisave since November of 2016. Starting in September of 2019, I contacted Amerisave to establish an escrow account. The money was sent in October to establish the account. Amerisave processed the amount as a payment to principal and so in January an additional 1000 was sent to establish an escrow account. Again, Amerisave failed to establish an escrow account. February I sent 20000 so that escrow could be established. Amerisave yet failed again, ultimately I requested my funds back and cancelled my request for an escrow account since Amerisave was completely unable to complete this request.

I have sent emails, chatted, and talked to multiple customer service representatives including supervisors ( some multiple times), all totaled over 40 interactions and over…

I closed on this home last week all the paper went well.i have gotten two e mails form Liberty Mutual they have sent to notices to Amerisave that my home owners insurance is past due,As of today thay have not paid that my insurance,is passed due.This not the way to do business, As a Veteran this by far the whorst deal I have ever made.Plus it took almost 80 days to close,but, iam wish that I never took this deal

00 DEPOSIT WOULD BE RETURN IF THE LOAN WAS NOT ACCEPTED. NEVER DID MR. HOUSEHOLDER MENTION THAT IT WAS BEING USED FOR APPRAISER FEED. 00 WAS BEING USED FOR. JUST SIGN YOUR PAPERS SO WE CAN GET THE BALL ROLLING.

IF I WAS GOING TO PAY FOR A APPRAISER, THEN I WOULD BE SELLING MY HOUSE. WHEN I SPOKE TO MR. HOUSEHOLDER HE INFORM ME THAT WAY IT DONE, MUST BE APPRAISE. BUT NEVER SAID WHO PAYING FOR IT. JUST NOT FAIR , IF YOU NOT EXPLAINING IT RIGHT.

I just was talking to one of your agents about possiblely refinancing my present loan with Quicken. The discussion came a an end when I was asked for my SS number. Which I refused to give. Keep in mind you already have it.

I said to the agent "congress said I don't have to give out my SS number" my complaint is real simple, change your process to comply with the the law of the land. I have been through this with a credit company and they were able to work around with a series for other questions.

Amerisave Mortgage blocked me and wont let me unsubscribe to their emails. d. first. What is this?

Amerisave's loan practice should be reviewed they tuned me down for a loan yet I had submitted the same loan info to another lender. I was quickly approved with a much better terms than offered.

Finally I had been with Amerisave for many years never missed or late with a payment. Plus my credit score is in the high 700's. Go figure.

I was denied a renewal on my Amerisave home loan for the following reasons. Late payments on past or present credit accounts; this is incorrect I have a 754 credit score. I cannot get this kind of score if I am late on payments.

Plus Wells Fargo was automatically paid out of my checking account, I never was never late or missed a payment. "Not enough value in the collateral" I live in a home that has a tax assesses value of 699,000 I only owe 270,000.

"Amounts owed are too high relative to your income" Presently I have $125,000 cash plus I receive $1400 per spouse benefits and I get over $6,000 in rent income per month. "Income stated on application cannot verified" This is false i sent my latest bank statement as well as proof of rental and social security income I even added my 401(k)…

I recently closed out my account with Amerisave due to them taking money out of my savings account for overdraft charges that I disputed from my checking account. Once I got paid from my employer, I went ahead and deposited my check into my husband's account to avoid the lines in the stores, then then did a so called random audit, and sent my check elsewhere without notifying my husband or anything.

Amerisave cant even give me answers as to where my check is. this was not the first time I deposited money from my employer into my husband's account which by the way we opened together so i'm authorized on his account. The customer service is so poor and everything about this bank is fraudulent. My husband is now stuck with overdraft fee's that occurred because of an bank error. They…

Called Amerisave Mortgage customer service to let them know we would be traveling out of state! I got the third degree over the phone wanting driver license plate number and also last phone number of old residence over 30 years ago and many other questions! Why do you need all this information?

Leah Richardson, your agent at your Amerisave Mortgage office in Warner Robins Ga., made an application for a refinance of our current mortgage on Feb 26th of this year. We immediately began to get huge volumes of documents in the mail, many of them duplicates and very confusing sometimes conflicting. Every time we wanted a status or update or to ask a question about all the documents we had to call customer service. At no time did she EVER call us to inform us of status, progress or issues.

We were unsuccessful in our refinance which Amerisave Mortgage employees blamed on the underwriters and her own company. They seemed distracted or disinterested, overwhelmed and frequently dismissive and just plain strung out every time we called. On one occasion she advised we were to ignore requests…

I have tried to help my mother, who has lost her husband, get her Amerisave Mortgage straight. Well, letter after letter and fax after fax guess what? She is still having trouble because your staff says they are here to help her. She's even on mortgage assistance with your company and every document from death certificate to her s.security and all other info has been faxed a total of 3-5 times. For a company who says they are here to help someone avoid foreclosure, you suck! Lets talk about the “foreclosure”. Well guess what? Your employee did not abide by the agreement!

Second month same thing! So we sent a check and it was cashed. 3rd month same, sent another check it was cashed. Oh I almost forgot it says that in order to foreclose, my mom was going to be notified. That was also a lie!…