My attempted refinance with Amerisave was the single worst financial experience of my life. These people are either totally incompetent or downright deceitful or both. This was a 60% refinance, I have excellent credit, yet they dragged out the loan for 4 months and kept springing new surprises on me. The very last day, after all the heartache and bad surprises, they sprung a new one on me and all they had to say is "... I am sorry it was not communicated earlier. Please let us know how you would like to proceed."
Horrible company to deal with. If I see them going bankrupt someday, I'll pop a bottle of champagne.

AVOID AMERISAVE AT ALL COSTS, TOTAL SCAM, as they are not really in the business of writing loans but a complete scam. They suck you in with a low rate lock then drag things out waiting for market conditions to turn in their favor. I locked in at 4 1/8 only to have them drag out the process for 3 months letting my rate lock expire three times running my closing costs from around $2k up to over $7k. They finally denied the loan for lack of funds while I had $40k in a business account for a consulting business that I own and control (sole owner). Had they worked with me I could have easily transfered funds to my personal account but they weren't interested. I also had over $100k in after-tax long term investments but didn't want to liquidate them to pay the closing costs. Keep in mind I also have significant assets, perfect credit, good income, very good LTV (purchased 17 years ago). If they can' t close a loan with me they can' t close a loan with anyone. Run don' t walk and avoid Amerisave at all costs. If you did happen to get screwed by them as I did file a complaint with the BBB. If enough complaints are accumulated maybe they can be put out of business.

Be careful before paying for an appraisal through this company. I just wasted $325 (and the $35 for the credit report) for a RIDICULOUSLY low appraisal. My realtor thought it would come in between $350 and $360K. Amerisave's appraisal was $305K!!! The appraiser actually told me that Amerisave forces him to use certain criteria which makes the appraisal so low. He was apologizing to me before he even left the house saying it was going to be low and to please not blame him!! I will NEVER use this company,

I applied for a refi in AUGUST 18TH (today is Nov 15th). They "fixed" my rate at 4.375 with a "total closing cost to me of $300". But delay after delay, low and behold
it all of a sudden is going to cost me over 5K to close. These people are incompetent and fraudlent. DO NOT TRUST THEM! Run to somebody who is honest.

Amerisave did nothing for me other than cost me $785.Every time I thought I was a step closer to getting my loan finished they kept asking for more and more documentation.The closing costs changed several times.Between the processor and the underwriter I never knew what was going on because thier stories were always different.All this went on for several months it was very frustrating.then my loan was denied and I was slapped with a $500 cancellation fee.So I got an appraisel I really didn't need that cost $250 and a $35 app.fee that turned out to be a total waste a big headache and now i'm worried this whole thing is a scam because nobody will contact me...this is a bad company stay away!