AmeriSave Mortgage · Lender
AmeriSave Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Not licensed to originate in NY. Not all products and options are available in all states. Terms subject to change without notice.
At a glance
- Credit requirement
- 700+ minimum at most lenders; 740+ for the best pricing. Recent late payments or collections complicate approval.
- Reserves
- Six to twelve months of mortgage payments in liquid reserves at closing, plus a two-year W-2 or self-employment record, current paystubs, and bank statements covering source of funds.
Still to confirm: Borrower type, Property use.
Our take: Pros & Cons
What we like
- Official loan options include fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, DSCR and community lending mortgages.
- Rate-and-term and cash-out refinancing options are offered.
- DSCR investment financing uses rental-property income rather than personal income documentation.
What to consider
- SSN, ITIN, visa, foreign-credit and no-credit-history eligibility are not confirmed by the reviewed program pages.
- Income, assets, credit, down payment and property requirements vary by program; approval is not guaranteed.
- Not all products and options are available in all states.
AI-generated lender-level assessment based on published information. Not a verified assessment of Jumbo Refinance: Refinance a High-Value Home Loan; confirm program-specific conditions below.
Additional lender considerations
- Fixed-rate loans offer predictable principal-and-interest payments for the loan term.
- Advertised examples assume a particular cash-out refinance scenario; personalized rates, APR and fees may differ.
- Refinancing or consolidating debt may increase lifetime finance charges, extend debt repayment and reduce home equity.
Newcomer requirements
Jumbo Refinance: Refinance a High-Value Home Loan
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 700+ minimum at most lenders; 740+ for the best pricing. Recent late payments or collections complicate approval.
- Income documentation
- Jumbo underwriting is thorough, including tax returns, asset statements, employment verification, and often source-of-funds letters.
- Reserves
- Six to twelve months of mortgage payments in liquid reserves at closing, plus a two-year W-2 or self-employment record, current paystubs, and bank statements covering source of funds.
View full lender requirements
- Minimum credit score
- 700+ minimum at most lenders; 740+ for the best pricing. Recent late payments or collections complicate approval.
- Income documentation
- Jumbo underwriting is thorough, including tax returns, asset statements, employment verification, and often source-of-funds letters.
- Reserves
- Six to twelve months of mortgage payments in liquid reserves at closing, plus a two-year W-2 or self-employment record, current paystubs, and bank statements covering source of funds.
- Other conditions
- Rate-and-term refinances typically max at 80% to 90% LTV. Cash-out caps at 75% to 80% LTV depending on credit and loan size.
Questions to confirm with the lender (13)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Employment documentation
- Foreign income
- Foreign assets
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 25, 2026 · Official requirements source
Rates and costs
Jumbo Refinance: Refinance a High-Value Home Loan
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Jumbo Refinance: Refinance a High-Value Home Loan
- Jumbo underwriting is thorough, including tax returns, asset statements, employment verification, and often source-of-funds letters.
- Reserve requirements: Six to twelve months of mortgage payments in liquid reserves at closing, plus a two-year W-2 or self-employment record, current paystubs, and bank statements covering source of funds.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Purchase and refinance mortgages with fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, DSCR investment and community lending options. Program eligibility, property, state availability and pricing vary; newcomer documentation pathways are not confirmed by the reviewed pages.
Legal lender: AmeriSave Mortgage Corporation
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 1168
Published service states: AK,AL,AR,AZ,CA,CO,CT,DC,DE,FL,GA,HI,IA,ID,IL,IN,KS,KY,LA,MA,MD,ME,MI,MN,MO,MS,MT,NC,ND,NE,NH,NJ,NM,NV,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VA,VT,WA,WI,WV,WY
More lender directory information
Direct application information ↗
Not licensed to originate in NY. Not all products and options are available in all states. Terms subject to change without notice.
Directory verified: 2026-10-25 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 25, 2026
- Official lender source · Last checked Oct 25, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.