Will your loan close with Amerisave?

Good question. Here's the answer:
It will close if you are a plain vanilla loan: 80% loan to value ratio, good income for the last two years, excellent credit and excellent assets in the bank.

If you are self employed with a successful business, forget about it! If you are retired with steady income and assets, forget about it! The underwriters will look for ANYTHING to disqualify your loan and I mean anything. If you happen to get a loan officer that actually cares about their client like me, you will fight tooth and nail with the underwriter via your team manager (don't expect any support for at least one week), then his manager or the processing manager if you care to spend that much effort. In the interim, you are missing all the other calls in the call center and not locking new deals.

If you have more than five loans, forget about trying to provide any service to your clients... you are too busy following up on loan needs (stips) and battling it out or as most loan officers in this company do, ignore the phone calls, cancel the loans and move on to the next client because they aren't going to make a whole lot of money anyway so gotta find the next easy call/loan situation that you can just slam together.

Oh yeah, forget it if you have a credit score of less than 700... this company will just ignore you completely! Btw, the minimum fico they claim they will sell is 640 on an government product.