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  AmeriSave Mortgage Corporation Refinance

Best Of Product

AmeriSave Mortgage Corporation Refinance
in Mortgage Refinance from Amerisave Mortgage Corporation · NMLS ID #1168
Claimed

AmeriSave Mortgage Corporation Refinance

Claimed
in Mortgage Refinance from Amerisave Mortgage Corporation · NMLS ID #1168
SuperMoney Net Recommendation Score +89  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +89, equating to 4.8 on a 5 point rating scale.

+89

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

41 users recommend
1 user is unsure
2 users don't recommend
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Highlights
Community Rating Strongly recommended
Loan Amount $60,000 - $2
Loan Term (Years) 3 - 30 years
Number of Reviews 44

AmeriSave Mortgage Corporation Refinance Review

AmeriSave Mortgage Corporation Refinance is offered by Amerisave Mortgage Corporation (NMLS #1168), a direct lender founded in 2002 and based in Atlanta, GA. Amerisave refinance are available in 49 states (and Washington, DC).

Key Takeaways

  • No origination fee. AmeriSave Mortgage Corporation Refinance does not charge a fee for processing your application on some loan options.
  • 4 different mortgage programs offered. AmeriSave Mortgage Corporation Refinance refinances FHA, USDA, VA, jumbo, conforming, and conventional mortgages.
  • Financing for single-family and multi-family properties. However, Amerisave Mortgage Corporation does not offer financing for manufactured homes.
  • Non-standard interest rates available. AmeriSave Mortgage Corporation Refinance offers option ARM mortgages, adjustable-rate mortgages, hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Strongly recommended. 41 out of 44 SuperMoney community members recommended AmeriSave Mortgage Corporation Refinance.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for AmeriSave Mortgage Corporation Refinance.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 550 are considered.
  • High maximum DTI ratio. AmeriSave Mortgage Corporation Refinance has a maximum debt-to-income ratio of 45%. This ratio includes all your monthly debts, not just your proposed mortgage payment. Typically, lenders have a maximum DTI of 43% or lower.

AmeriSave Mortgage Corporation Refinance Pros & Cons

Pros Cons
  • Very competitive rates and fees
  • In 3 minutes, can get customized rates & all programs prequalified without giving SSN or hard credit pull
  • Real-time prequalification
  • Prequalification without hard credit pull
  • Loan options with $0 origination fee.
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Offers financing for both single and multi-family homes.
  • Available in 49 states.
  • Does not finance mobile homes

AmeriSave Mortgage Corporation Refinance FAQ

What range of mortgage balances will Amerisave refinance refinance?

Mortgage refinancing loans start at $60,000 and go up to $2,000,000

What is the maximum loan term for a mortgage refinance via Amerisave refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. AmeriSave Mortgage Corporation Refinance offers mortgage refinancing with terms ranging from 3 to 30 years.

How long does Amerisave refinance take to refinance?

Generally, it takes Amerisave refinance between 30 and 45 days to complete a refinance. Of course, this is just an estimate. The exact time will vary depending on the lender and the market.

Does Amerisave refinance charge a mortgage origination fee?

No, AmeriSave Mortgage Corporation Refinance does not charge a mortgage origination fee.

Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Amerisave refinance charge prepayment fees?

No, AmeriSave Mortgage Corporation Refinance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What mortgage programs does Amerisave refinance offer?

AmeriSave Mortgage Corporation Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Amerisave refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. AmeriSave Mortgage Corporation Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Message From Amerisave refinance

Special Programs & Features

- Lock & Shop Rates: AmeriSave offers a 90-day certified Lock & Shop interest rate that protects you from rate hikes while you’re shopping for a house. The locked rate does not require a signed purchase contract, which gives you more flexibility.

- Certified Approval Letter: Once you find your dream home, you’ll be able to make an offer immediately with your AmeriSave Certified Approval, which gives buyer and seller the confidence of knowing you have financing available to you. Most borrowers receive their Certified Approval within hours – a letter that confirms your qualifications as a borrower and shows sellers that you are a serious buyer. An “approval” is great but means nothing if the loan doesn’t close. We are so confident in our Certified Approval that we include a Certified Closing Promise of $1,500 — so you can feel confident, too.

- Certified Closing Promise: AmeriSave promises to pay you $1,500 if your loan doesn’t close, but restrictions apply. Talk to an AmeriSave representative about the Certified Closing Promise to see if you’re eligible.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Amerisave Mortgage Corporation

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Availability

  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Credit Score Range 550 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Property Type
  • Single Family Home
  • Townhome
  • Multi-Family Home
Verification Documents Required
  • Driver License (or other photo ID)
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Recent Bank Statements
  • Social Security Number
Loan Term 3 - 30 years
Loan Amount $60,000 - $2
Interest Rate Types Offered
  • Hybrid Mortgage
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
  • Option ARM
Mortgage Programs
  • FHA
  • USDA
  • VA
  • Jumbo

AmeriSave Mortgage Corporation Refinance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +89, equating to 4.8 on a 5 point rating scale.

+89

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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