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AmeriSave Mortgage Review 2026
Last updated on June 1, 2026
Written by
Lead Writer & Content StrategistWritten by
Lead Writer & Content StrategistMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
4.0
Home loans overall
NerdWallet rating
The Nerdy headline:
AmeriSave stands out for its rate buydown program, lowering your rate by 1% for the first year. However, it’s missing key tech like a mobile app. APRs are less competitive than other lenders', but borrowers with low credit may find flexibility here.
Jump to:Full Review
AmeriSave: NMLS#1168
Min. credit score
500
Min. down payment
3%
Loan types and products
Purchase, Refinance, Fixed, Adjustable, FHA, VA, USDA, Home Equity
Pros
- Offers a rate buydown program.
- Accepts borrowers with credit scores as low as 500 for certain loan types.
Cons
- No mobile app.
- APRs are not competitive, according to recent federal data.
- Getting custom rates and applying for mortgage preapproval both require connecting with a loan expert.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: AmeriSave mortgage options
AmeriSave Mortgage Corporation is a nonbank lender based in Atlanta. Loans are available in all states except New York, as well as Washington, D.C.
🏠 Common mortgages
• Fixed- or adjustable-rate
• Conventional
• FHA
• VA
• USDA
• Jumbo
• Rate and term refinance
Specialty loans
• Loans for vacation or second homes
• Interest-only loans
• Loans for self-employed borrowers
• Conventional loans for manufactured homes
💵 Home equity
• HELOC
• Home equity loan
• Cash-out refinance
AmeriSave special offers and discounts
AmeriSave offers ways to reduce the costs of homebuying and refinancing. These include:
- Rate buydown program: This lowers your mortgage rate by 1% for the first year.
- AmeriSave’s Realty Rewards rebate program: If you get a mortgage through AmeriSave mortgage and use an agent from the company’s real estate network to buy a home, you get cash back. The rebate ranges from $250 to $2,000, based on the sale price of the home. The real estate agent rebate is not available in every state.
What does AmeriSave specialize in?
A lender’s experience with your loan type can make a big difference. We looked at recent federal data to find the types of mortgages AmeriSave handles most often.
Most of its loans are conventional or FHA. In fact, FHA loans make up a much larger part of AmeriSave’s business compared to most lenders we review at NerdWallet.
How we score AmeriSave’s home loans
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
AmeriSave earned a 4-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Poor
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Good
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Good
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Average
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored AmeriSave’s home loans. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
AmeriSave mortgage reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from Zillow and we contacted the lender’s customer support.
Zillow Mortgage Lender Customer Rating
4.65
out of 5
Average rating as of the date of publication.
Rating reflects more than 2,400 customer reviews.
AmeriSave mortgage customer service options
Here’s how you can get in touch with AmeriSave.
Ways to reach AmeriSave
Physical branches . . . . . . 🚫
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . 🚫
Online chat (bot) . . . . . . . ✅
Online chat (human) . . . . ✅
🤓 Our Nerds say... more low-tech than most
Abby Badach Doyle, lead writer, mortgages
AmeriSave is one of a handful of lenders we review that doesn’t have a mobile app. This is not necessarily a dealbreaker, but if you live on your phone, other lenders offer better self-service technology.
» MORE: How to apply for a mortgage
Alternatives to AmeriSave mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
Carrington, another nonbank lender, dedicated more than half its business to FHA loans in 2024, according to the latest federal data.
LoanDepot offers flexibility to borrowers with low or bad credit scores.
» MORE: Best mortgage lenders
NerdWallet writer Isabella Angelos contributed to this story.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.