Amerisave

Get Pre-Qualified For A Loan In Minutes

For just a few minutes, you can get pre-qualified and obtain a detailed rate quote. Many types of loans are offered by Amerisave Mortgage, and these include USDA, FHA, VA, Jumbo and Conventional. There is a sea of online lenders in the US, but what makes Amerisave stand out?

Amerisave is a mortgage company that knows mortgages and understands people. It primarily knows the ins and outs of mortgage financing. With over 17 years of experience, the staff of experts in this company understands how important saving is.

Amerisave as a company is supported by mortgage experts who are also people experts. They understand that a mortgage goes beyond than being a loan, but is one step taken by their clients towards their dream of owning a home. To the mortgage artisans of Amerisave, a cash-out refinance doesn’t just mean a lower rate, but a way for their clients to send their children to college. They totally get it.

Through advanced technology, Amerisave is able to provide low rates and clear pricing. Online applications become easier, and more importantly, it is able to render excellent customer service. It comes as no surprise that 94% of Amerisave customers say that they would recommend this mortgage lender to their family and friends.

Types of Loans Offered By Amerisave

Home loans offered by Amerisave encompass fixed and adjustable-rate options, together with USDA, FHA and VA mortgages, among others. Depending on the loan type, interest rates vary. Various options for closing costs are likewise offered to fit the needs of their customers.

• What is a fixed-rate mortgage loan? It is a loan whose interest rates remain constant throughout its life. While the most popular fixed mortgage rates run for 15 and 30 years, Amerisave offers options for 10, 20 and 25 years. Fixed rates are inclined to be higher than adjustable rates, but with the former, customers can get ample protection from volatile conditions in the market. If you plan to own a home for at least 10 years, you would find a fixed-rate mortgage to be more attractive.
  Are you deciding between a fixed or adjustable mortgage rate? If so, you can check out Amerisave’s historical rates to gain ideas about the way interest rates are trending.
• What about an FHA loan? What are the particulars of this mortgage loan? The Federal Housing Authority is a means wherein an FHA loan can be issued. Its aim is to assist people whose credit scores are imperfect or otherwise do not want to lay down a big down payment. It helps to be aware of FHA loan requirements because not everybody can qualify for it. If you have questions about obtaining an FHA loan, you can contact Amerisave by phone or chat with their customer support. FHA rates offered by Amerisave are competitively low and they don’t charge loan origination fees.
• VA loans are those that help people who served the country buy and own their homes. These home mortgages are supported by the US Department of Veteran Affairs, and they are meant to be benefits for qualified veterans and military personnel. The primary purpose of VA loans is to make financing for buying a house easier for service members along with their families. Through a quick online process, you can determine if you can pre-qualify for such a loan.
• What, on the other hand, are USDA home loans? These are also known as Rural Development loans. Being guaranteed by the US Department of Agriculture, USDA mortgages are designed to encourage owning a home in defined rural areas. Do you intend to buy a house in the countryside? In that case, you can consider availing of a USDA loan. Take note of what the USDA loan requirements are to see if you qualify for one.
• Variable-rate mortgages which are otherwise known as Adjustable Rate Mortgages are loans with interest rates that adapt to certain conditions in the market. You can refer to ARMs as hybrid loans, and they start with an inflexible rate for a specific number of years, such as 5, 7, or 10 years, but are adjusted once every year afterwards according to the terms of the loan. However, the increase or decrease of the interest rates follows a certain limit. If you are planning to own a home for only a short period of time, an ARM would be more suitable for you.

You can check out the Amerisave Mortgage Corporation website for a fast and easy process of searching for low rates, selecting the right type of loan, and closing your loan.