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AmeriSave Mortgage Review 2023

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.

AmeriSave at a glance


Lender rating: 3.5 out of 5

  Minimum credit score: 600 to 700

  Minimum down payment: 0% to 3.5%

  Available loan products and programs: Conventional, FHA, VA, USDA, jumbo

  Our verdict: AmeriSave is a good choice for homebuyers or refinancers looking for a wide variety of financing options, including the potential to add a solar energy system upgrade in certain states.


  A wide variety of purchase and refinance mortgage products

  Solar energy financing available in select states

  Published mortgage rate updated daily

  Limited rate and fee information on the lender’s website

  No home equity loan or HELOC products

  High credit score standard for jumbo loans

AmeriSave Mortgage Corporation was founded in 2002 and offers a digital mortgage experience to customers in 49 states (New York excluded) and the District of Columbia. AmeriSave Mortgage is headquartered in Atlanta.

AmeriSave mortgage products






  • Borrow or refinance up to $1.5 million when you put at least 20% down
  • 700 credit score required for most jumbo loans; FHA jumbo loans require only a 640 credit score
  • Both jumbo loans and jumbo refinance loans offer 15- and 30-year fixed-rate terms; and 5-, 7- and 10-year ARM terms

Special programs

  • AmeriSave offers financing for the purchase and installation of solar energy systems in the following states: Ariz., Calif., Colo., Conn. Fla., Mass., Nev., N.J., Pa., Texas, Utah and Va.

AmeriSave mortgage rates and fees

AmeriSave publishes its starting fixed-rate mortgage interest rate online, but doesn’t share starting rates for different terms. Beyond saying that it doesn’t charge an origination fee, it also doesn’t publish the typical fees that it charges in closing costs.

Mortgage rates published online?
*Only one starting rate is published.
Rate information updated daily or weekly? 
Lender fees disclosed? 

AmeriSave’s application experience

You can apply online at by clicking on “purchase” or “refinance.” Both applications ask about your current residence as part of the prequalification process that allows you to see the mortgage rates you’ll likely qualify for. From there, you can choose to submit an official loan application for approval.

AmeriSave’s customer service experience

You can contact AmeriSave by email at [email protected] by phone at 888-700-4026 during business hours, Monday to Friday, 8:00 a.m. to 5:00 p.m. ET. If you’re already a customer and have questions about your loan, you can also reach out to AmeriSave at [email protected] or call the loan servicing department at 866-865-3400, option 4.

How does AmeriSave compare to other lenders?

Lender rating
Minimum credit score600 to 700620 to 650Not published
Minimum down payment0% to 20%Not published0% to 5%
Loan products and programs
  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo 
  • Refinance
  • Cash-out refinance
  • Conventional
  • FHA
  • VA
  • Jumbo
  • Conventional
  • Jumbo
  • Home equity line of credit (HELOC)
  • Alliant Advantage Mortgage
  • Alliant Home Rewards

How we rated AmeriSave

LendingTree’s mortgage lender rating is based on a five-point scoring system that factors in several features, including digital application processes, available loan products and the accessibility of product and lending information.

LendingTree’s editorial team calculates each rating based on a review of information available on the lender’s website. Lenders receive a half-point on the “offers standard mortgage products” criterion if they offer only two of the three standard loan programs (conventional, FHA and VA). In some cases, additional information was provided by a lender representative.

AmeriSave’s scorecard: 3.5/5

⭕ Publishes rates online

  Offers standard mortgage products

  Includes detailed product info online

  Shares resources about mortgage lending

  Provides an online application

  = 0 points ⭕= 0.5 points   = 1 point

Today's Mortgage Rates

  • 5.88%
  • 5.87%
  • 6.30%
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