Found Amerisave online when I was searching for lenders to refinance my house. I should have known that things were too good to be true.

When I first started the application process, the appraiser pressured me to get it done within the first 3 days and he said that was time of the essence. He charged me $500 for it even though the Amerisave website quoted substantially less...I checked today (9/30) and it says $400...so I paid 25% more than their good faith estimate!!!

This should have been a no-brainer loan...$225K on a home that was appraised at $600K...and I am a full-documentation borrower making well into the 6 digits income.

Slow to respond and after 45 days, they are saying they are not sure about my debt ratio...which hasn't changed when I first got approved for the loan.

They are very slow to respond and though they demand all kinds of stuff. I know that mortgage lenders are getting tougher, but this is incredible. BTW, I'm refinancing a mortgage that I had with Wells Fargo from 2 years ago (when I thought it was much harder to get a loan) but these guys are much worse.

I've probably gotton over a dozen home mortgages over the last 20 years and these guys are easily the worse...and now I'm out the appraisal and who knows what else.

Be careful with these guys!!!

I filled out all of the information, and when I got to the last page I was wondering why I had not been asked for my social security number, and there it was - the last thing asked for was the SSN, and then under it was a request for $35 to run my credit. I am a 7 year real estate professional and have closed more loans for myself and others than I can keep track of, and no one has ever made a client pay $35 upfront for the credit check. Any legit direct lender would not charge for this service - it is a cost of being in this business. So, I opened up a new browser window and typed into Google 'amerisave complaints' and found this board and others... Needless to say I closed the application browser when I read the horrible reviews by people who has been ripped off and mislead. Since they want you to be on the up-and-up on providing all of your most personal living and financial information it's only fair that they treat you and your information with the utmost respect. Prior to completing the application I found out they don't respect their clients and are concerned more with making sure some money goes into their pockets first. I have not used them for a loan, I don't intend to and I recommend you don't either. I will seek my refi from a reputable company that respects my information and me as a client.