Is AmeriSave Home Equity Loans the right fit for you?
Last Updated: 04/21/2026
AmeriSave Home Equity Loans
Claimed
Last Updated: 04/21/2026
SuperMoney User Recommendation Score +88
Strongly recommended25 total votes
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Highlights
Community Rating
Strongly recommended
Credit Score Range
Starting at 640
Amount Range
$25,000 - $500,000
Maximum LTV
90%
Loan Term (Years)
Up to 30
Number of Reviews
AmeriSave Home Equity Loans Review
AmeriSave Home Equity Loans is offered by Amerisave Mortgage Corporation (NMLS #1168), a direct lender founded in 2002 and based in Sandy Springs, GA. Amerisave are available in 46 states and Washington, DC.
Key Takeaways
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- High maximum LTV ratio. AmeriSave Home Equity Loans has a maximum loan to value ratio of 90%.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for AmeriSave Home Equity Loans.
- Fair credit accepted. Borrowers with a credit score as low as 640 may qualify for AmeriSave Home Equity Loans.
AmeriSave Home Equity Loans Pros & Cons
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AmeriSave Home Equity Loans FAQ
How much can you borrow with a AmeriSave Home Equity Loans home equity loan?
A home equity loan allows homeowners to borrow money using their home as collateral (similar to a mortgage). Loan amounts vary depending on the value of the home minus the balance of any mortgages or liens on the property.
AmeriSave Home Equity Loans allows borrowers to apply for home equity loans of up to $500,000. The actual maximum loan amount will vary depending on the value of the property, how much you owe on it, and your creditworthiness.
What are the home equity loan requirements of AmeriSave Home Equity Loans
This lender's maximum loan to value rate is 90%. That means the total debt secured by the property cannot exceed 90% of its value. Let's say you own a property with a current market value of $100k, but you still owe $20k on your mortgage. Your equity would be $80k. In this scenario, if you have good credit, you may qualify for a line of credit of up to $70k.
Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.
What fees does AmeriSave Home Equity Loans charge for a home equity loan?
AmeriSave Home Equity Loans may charge a loan origination fee
What types of property can you use as security for a home equity loan with AmeriSave Home Equity Loans?
Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. AmeriSave Home Equity Loans will consider loans secured by the following property types:
- Primary home.
- Secondary homes and vacation properties.
- Investment properties and house flipping projects.
Is Amerisave Mortgage Corporation a legit company?
Amerisave Mortgage Corporation was founded in 2002, it is a well-established company that has been in business for 24 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
8:00AM - 9:00PM
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 9:00PM
Other Services by Amerisave Mortgage Corporation
Mortgage Refinance
41
43 Reviews
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
AmeriSave Home Equity Loans Community Reviews
Would you recommend AmeriSave Home Equity Loans to your friends?
WJ
Worm J.
Jan 2, 2026
May or may not recommend
I love the fixed-rate structure. I’m using the money to consolidate some old debt, and knowing exactly what my payment will be for the next 10 years gives me so much peace of mind. I’m knocking one star off for the upfront fee, but the long-term interest savings are going to be huge.
CJ
Clear J.
Jan 2, 2026
May or may not recommend
It is so hard to find a lender that will touch an investment property for a home equity loan, but AmeriSave made it happen. I was able to tap into the equity of my rental to fund a second property purchase. The process was digital, professional, and exactly what I needed as a real estate investor.
CN
Cooper N.
Jan 2, 2026
May or may not recommend
The online portal is fantastic. I was able to upload all my tax docs and bank statements in minutes. The only reason I'm giving 4 stars instead of 5 is that the underwriting team asked for a few of the same documents twice, which was a little annoying. But once we got past that, the funding was lightspeed!
AP
Angela P.
Jan 2, 2026
May or may not recommend
I needed a higher LTV to get the amount I wanted for a major renovation, and AmeriSave was one of the only lenders that offered 90%. The service was 5-star, but I’m giving 4 stars because the upfront costs are higher than a traditional bank. Still, for the amount they lent, I'm happy.
RT
Rebecca T.
Jan 2, 2026
May or may not recommend
I didn't think I’d qualify with my credit score being in the 600s, but AmeriSave worked with me. They looked at my whole financial picture, not just a number. I’m so grateful for the opportunity to improve my home and my credit at the same time.
PF
Pete F.
Jan 2, 2026
May or may not recommend
Great communication from start to finish. I always knew where my application stood. It’s a 4-star for me because they don’t allow co-signers, which made the debt-to-income math a bit tight, but they made it work. Very professional company.
TS
Tommy S.
Jan 2, 2026
May or may not recommend
I love that I could do almost everything from my phone. The mobile notary they sent for closing was the cherry on top. It was the most convenient loan process I’ve ever experienced. No stress, just results!
AR
Alex R.
Jan 2, 2026
May or may not recommend
I used AmeriSave to get equity out of my vacation home for some much-needed repairs. They are one of the few lenders that actually consider secondary residences. Professional service and very transparent terms.
SG
Silvia G.
Jan 2, 2026
May or may not recommend
I live in a rural area where local banks are tough to deal with. AmeriSave’s 46-state availability was a huge plus. The process was almost entirely online and very efficient. Solid 4 stars for accessibility and a great digital interface.
NS
Newdawn S.
Jan 2, 2026
May or may not recommend
Used them for a house-flipping project. They are very investor-friendly and easy to work with. I’m knocking off one star only because I wish the initial fee was a little lower, but you get what you pay for in terms of reliability and speed.
JG
Jeffery G.
Jan 2, 2026
May or may not recommend
Consolidated all my high-interest credit cards into one AmeriSave loan. I’m saving hundreds a month now. The fixed rate gives me peace of mind, and the closing was quick and professional. A total lifesaver for my monthly budget.
J.
Jeanette .
Jan 1, 2026
May or may not recommend
My loan officer was incredible. They were patient with all my questions and guided me through the 90% LTV options. It’s refreshing to work with a big company that still makes you feel like a priority. 5 stars all the way!
LD
Light D.
Jan 1, 2026
May or may not recommend
Absolutely impressed with the turnaround time. I had my funds in less than 3 weeks. The digital portal made uploading my documents a breeze, and I never felt like I was left in the dark. If you want speed, AmeriSave is the way to go.
WV
William V.
Jan 1, 2026
May or may not recommend
The underwriting was pretty intense, they asked for a lot of documents and bank statements. However, once that was done, the rest was lightspeed. I appreciate their thoroughness even if it was a bit of work on my end. Great rates and service.
MD
Merino D.
Jan 1, 2026
May or may not recommend
Very solid 4-star experience. The team was professional and the funding was fast. There is an origination fee, which I wasn't thrilled about, but the high 90% LTV they offered made it worth the cost for my situation. I’d use them again.
MM
Matthew M.
Jan 1, 2026
May or may not recommend
I struggled to find a lender that would do a home equity loan on my rental property, but AmeriSave came through. The process was smooth, and being able to tap into my investment equity to fund my next project was exactly what I needed. Highly recommend for investors!
KJ
Kelvin J.
Dec 27, 2025
May or may not recommend
The application process was easy, but the interest rate I was offered was much higher than expected.
Fees added up quickly, making the loan more expensive than competitors.
Customer service was friendly, but the costs were disappointing.
DA
Deola A.
Dec 27, 2025
May or may not recommend
What stood out most was Rocket Mortgage’s customer service and transparency.
No hidden surprises, clear timelines, and constant communication throughout the loan.
I’d absolutely recommend them to anyone looking for a reliable mortgage lender.
MH
Md hasibur R.
Dec 23, 2025
May or may not recommend
AmeriSave offers a straightforward home equity loan option with an easy online application process.
SP
Sadie P.
Dec 18, 2025
May or may not recommend
After reviewing the findings, I notice that AmeriSave Home Equity Loans are particularly commendable for their strong borrowing potential, flexible property types, and willingness to offer loans to individuals with fair credit. They deliver reliability and convenience in one package, so I highly recommend them.
Showing 20 of 25 reviews
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