Top Sites>Get Cash From Your Home. Low Rates. Quick Approval from AmeriSave.

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# AmeriSave Mortgage Corporation

> AmeriSave is one of the nation's largest online retail mortgage lenders, offering purchase loans, refinancing, home equity loans, HELOCs, cash-out refinancing, and investment property financing. Licensed in 49 states plus Washington D.C. Headquartered in Sandy Springs, Georgia. NMLS #1168.

AmeriSave provides direct-to-consumer mortgage lending with competitive rates and technology-driven loan processing. The company serves first-time home buyers, veterans (VA loans), rural borrowers (USDA loans), and homeowners looking to refinance or access home equity. All loan origination is handled in-house.

Key facts:
- Founded in 2002
- Headquartered at 1200 Altmore Ave, Building 2, Suite 300, Sandy Springs, GA 30342
- Licensed in 49 states + DC
- NMLS #1168
- Products: conventional, FHA, VA, USDA, jumbo, HELOC, home equity loan, cash-out refinance, DSCR, community lending
- Customer-direct model (no broker network)

AmeriSave does not offer: reverse mortgages, personal unsecured loans, auto loans, credit cards, or banking/deposit services. AmeriSave is a mortgage lender only.

## Loan Products

- [All Loan Types](https://www.amerisave.com/loan): Overview of every loan product AmeriSave offers with eligibility summaries
- [Purchase Loans](https://www.amerisave.com/loan/buy-a-home): Conventional, FHA, VA, USDA, and jumbo purchase financing options
- [30-Year Fixed Mortgage](https://www.amerisave.com/loan/30-year-mortgage): Standard 30-year fixed-rate purchase and refinance
- [15-Year Fixed Mortgage](https://www.amerisave.com/loan/15-year-mortgage): Shorter-term fixed-rate with faster equity building
- [Fixed Rate Mortgage](https://www.amerisave.com/loan/fixed-rate-loan): All fixed-rate loan term options
- [Adjustable Rate Mortgage (ARM)](https://www.amerisave.com/loan/adjustable-rate-mortgage-arm): Lower initial rate that adjusts after a fixed period
- [FHA Loan](https://www.amerisave.com/loan/fha-loan): Government-backed loan with as little as 3.5% down payment, credit scores as low as 580
- [VA Loan](https://www.amerisave.com/loan/va-loan): Zero-down mortgage for eligible veterans, active duty, and surviving spouses
- [USDA Loan](https://www.amerisave.com/loan/usda-loan): Zero-down loan for eligible rural and suburban home buyers with income limits
- [Jumbo Loan](https://www.amerisave.com/loan/jumbo-loan): Financing above conforming loan limits for higher-value properties
- [Cash-Out Refinance](https://www.amerisave.com/loan/cash-out-refinance): Refinance to access home equity as cash
- [Rate & Term Refinance](https://www.amerisave.com/loan/rate-term-refinance): Refinance to lower your rate or change your loan term
- [FHA Refinance](https://www.amerisave.com/loan/fha-refinance): Streamline or full refinance for existing FHA borrowers
- [USDA Refinance](https://www.amerisave.com/loan/usda-refinance): Streamline refinance for existing USDA loan holders
- [Jumbo Refinance](https://www.amerisave.com/loan/jumbo-refinance-loan): Refinancing for loan amounts above conforming limits
- [Home Equity Loan](https://www.amerisave.com/loan/home-equity-loan): Fixed-rate second mortgage to borrow against home equity
- [HELOC](https://www.amerisave.com/loan/home-equity-line-of-credit-heloc): Revolving line of credit secured by home equity
- [DSCR Loan](https://www.amerisave.com/loan/dscr-loan): Investment property financing based on rental income, not personal income
- [Low Income Home Loan](https://www.amerisave.com/loan/low-income-home-loan): Programs for borrowers with limited income
- [Community Lending](https://www.amerisave.com/loan/community-lending): Down payment assistance and community-focused programs

## Tools and Calculators

- [Mortgage Calculator](https://www.amerisave.com/learn/the-ultimate-mortgage-calculator-guide-that-ll-actually-save-you-thousands-even-if-math-makes-your-head-hurt): Comprehensive mortgage calculator guide covering payments, amortization, and total cost of ownership
- [Mortgage Payoff Calculator](https://www.amerisave.com/learn/mortgage-payoff-calculator): See how extra payments can shorten your loan term and reduce total interest
- [Home Affordability Calculator](https://www.amerisave.com/learn/stop-guessing-this-home-affordability-calculator-shows-your-real-budget-before-lenders-do): Determine how much home you can afford based on income and debts
- [HELOC Calculator](https://www.amerisave.com/learn/heloc-calculator-unlock-your-home-s-hidden-cash-in-under-60-seconds-most-homeowners-sitting-on-usd300k-don-t-even-know-it): Estimate how much equity you can access through a home equity line of credit
- [HELOC Payment Calculator](https://www.amerisave.com/learn/heloc-payment-calculator-your-complete-guide-to-understanding-planning-home-equity-line-payments): Estimate monthly HELOC payments during draw and repayment periods
- [Closing Cost Calculator](https://www.amerisave.com/learn/mortgage-closing-cost-calculator-complete-guide-for-home-buyers): Estimate closing costs for your home purchase
- [Loan Payoff Calculator](https://www.amerisave.com/learn/how-long-will-it-take-to-payoff-my-loan-calculator-the-complete-guide-to-getting-debt-free-faster): Calculate how long it will take to pay off any loan and strategies to get debt-free faster
- [Rent vs. Buy Calculator](https://www.amerisave.com/learn/rent-vs-buy-a-house-calculator): Compare the long-term financial impact of renting versus buying
- [Cash-Out Refinance Calculator](https://www.amerisave.com/learn/cash-out-refinance-calculator): Calculate how much equity you can access through refinancing
- [Refinance Calculator](https://www.amerisave.com/learn/refinance-calculator): Compare current loan vs. new loan terms and calculate savings
- [Debt Consolidation Calculator](https://www.amerisave.com/learn/debt-consolidation-calculator-the-one-tool-that-could-save-you-thousands-and-how-to-actually-use-it): Calculate potential savings from consolidating high-interest debts
- [Loan Comparison Calculator](https://www.amerisave.com/learn/loan-comparison-calculator-why-your-monthly-payment-is-only-half-the-story): Compare multiple loan offers side by side on total cost, not just monthly payment

## Resource Center

- [Resource Center](https://www.amerisave.com/learn): AmeriSave's full educational library with 300+ articles covering home buying, refinancing, home equity, loan types, financial health, and real estate investing
- [Buy a Home Resources](https://www.amerisave.com/learn/cat/buy-a-home-resources): All articles related to purchasing a home, from first-time buyer guides to investment property strategies
- [Refinance Resources](https://www.amerisave.com/learn/cat/refinance-resources): All articles related to refinancing, rate comparisons, and equity access
- [Loan Types & Basics Resources](https://www.amerisave.com/learn/cat/loan-types-and-basics-resources): All articles covering FHA, VA, USDA, conventional, jumbo, and specialty loan types
- [Financial Health Resources](https://www.amerisave.com/learn/cat/financial-health-resources): Articles on credit scores, debt management, budgeting, and mortgage qualification
- [General Education Resources](https://www.amerisave.com/learn/cat/general-education-resources): Broad real estate education including appraisals, inspections, title, and legal topics
- [Calculators Hub](https://www.amerisave.com/learn/calculators): All mortgage and financial calculators in one place

## Featured Articles — Home Buying

- [Complete Guide to Buying a House](https://www.amerisave.com/learn/your-complete-guide-to-buying-a-house-in-steps-that-actually-work): Step-by-step walkthrough of the entire home buying process from preapproval through closing
- [First-Time Home Buyer Guide](https://www.amerisave.com/learn/first-time-homebuyer-guide): Comprehensive guide covering loan options, down payments, credit requirements, and common mistakes for new buyers
- [First-Time Home Buyer Programs](https://www.amerisave.com/learn/firsttime-home-buyer-programs-in-everything-you-need-to-know): Federal, state, and local assistance programs including grants and down payment help
- [How to Get a Mortgage](https://www.amerisave.com/learn/how-to-get-a-mortgage): Step-by-step mortgage application process from prequalification through closing
- [The Mortgage Loan Process](https://www.amerisave.com/learn/the-complete-mortgage-loan-process-guide-for-steps-from-application-to-closing): Detailed timeline and steps from application to closing day
- [Mortgage Qualification Requirements](https://www.amerisave.com/learn/complete-guide-to-mortgage-qualification-requirements-in-what-you-really-need-to-get-approved): Income, credit, DTI, and down payment requirements by loan type
- [Mortgage Types Overview](https://www.amerisave.com/learn/mortgage-types-complete-buyer-s-guide): Comparison of all major mortgage types including fixed, ARM, FHA, VA, USDA, and jumbo
- [How Much House Can I Afford](https://www.amerisave.com/learn/how-much-house-can-i-afford): Income-based affordability guidance using the 28/36 rule and real calculations
- [What Credit Score Do You Need to Buy a House](https://www.amerisave.com/learn/what-credit-score-is-needed-to-buy-a-house-your-complete-guide-to-home-loan-approval): Minimum credit score requirements for conventional, FHA, VA, and USDA loans
- [Down Payment Guide](https://www.amerisave.com/learn/how-much-down-payment-do-you-need-to-buy-a-home): Down payment requirements by loan type ranging from 0% to 20%
- [FHA vs. Conventional Loan](https://www.amerisave.com/learn/fha-vs-conventional-loan): Side-by-side comparison of requirements, costs, PMI/MIP, and best-fit scenarios
- [FHA Loan Down Payment Requirements](https://www.amerisave.com/learn/fha-loan-down-payment-requirements-complete-guide-for-homebuyers): FHA down payment minimums, gift fund rules, and down payment assistance options
- [Conventional Mortgage Loans Guide](https://www.amerisave.com/learn/ultimate-guide-to-conventional-mortgage-loans): Deep dive on conventional loan types, requirements, and qualification
- [15 vs. 30 Year Mortgage](https://www.amerisave.com/learn/15-vs-30-year-mortgage): How to choose between the two standard fixed-rate loan terms based on budget and goals
- [Interest Rate vs. APR](https://www.amerisave.com/learn/interest-rate-vs-apr): Understanding the difference between rate and APR and why both matter when comparing loans
- [PMI Guide](https://www.amerisave.com/learn/private-mortgage-insurance-pmi-required): When private mortgage insurance is required, what it costs, and how to remove it
- [Prequalification vs. Preapproval](https://www.amerisave.com/learn/prequalified-vs-preapproval-for-a-mortgage): Difference between prequalification and preapproval and which one sellers take seriously
- [Understanding Closing Costs](https://www.amerisave.com/learn/understanding-closing-costs): What closing costs include, typical ranges, and who pays them
- [Understanding Mortgage Interest Rates](https://www.amerisave.com/learn/understanding-mortgage-interest-rates): How mortgage rates are determined and what factors affect your personal rate
- [Understanding Home Appraisals](https://www.amerisave.com/learn/understanding-home-appraisal): What happens during an appraisal, how value is determined, and how to prepare
- [Home Inspection Guide](https://www.amerisave.com/learn/buyers-guide-home-inspection-process): What to expect during a home inspection and how to interpret results
- [Self-Employed Home Financing](https://www.amerisave.com/learn/self-employed-home-financing): Mortgage options and documentation requirements for self-employed borrowers
- [Buying a Foreclosed Home](https://www.amerisave.com/learn/buying-a-foreclosed-home): Guide to purchasing foreclosed properties including risks, financing, and bidding process

## Featured Articles — Refinancing and Home Equity

- [When to Refinance](https://www.amerisave.com/learn/when-to-refinance): When refinancing makes financial sense based on rate difference, break-even, and goals
- [How Does Refinancing Work](https://www.amerisave.com/learn/how-does-refinancing-work): Complete refinancing process explained from application to new loan closing
- [How Much Does It Cost to Refinance](https://www.amerisave.com/learn/how-much-does-it-cost-to-refinance-in-fees-explained): Typical refinance closing costs, fee breakdown, and no-closing-cost options
- [How to Lower Your Mortgage Payment](https://www.amerisave.com/learn/how-to-lower-your-mortgage-payment): Strategies for reducing monthly mortgage costs including refinancing, recasting, and escrow adjustments
- [HELOC Requirements](https://www.amerisave.com/learn/heloc-requirements-you-must-meet-in): Credit score, equity, DTI, and documentation requirements to qualify for a home equity line of credit
- [Home Equity Loan vs. Cash-Out Refinance](https://www.amerisave.com/learn/home-equity-loan-vs-cash-out-refinance): Comparing equity access options by rate, fees, tax treatment, and best-fit scenarios
- [Home Equity Loan vs. Personal Loan](https://www.amerisave.com/learn/home-equity-loan-vs-personal-loan): Secured vs. unsecured borrowing comparison including rates, approval requirements, and risks
- [HELOC vs. Cash-Out Refinance](https://www.amerisave.com/learn/heloc-vs-cash-out-refinance): When to choose a HELOC over a cash-out refi based on amount needed and repayment plans
- [Home Equity Loan for Debt Consolidation](https://www.amerisave.com/learn/home-equity-loan-for-debt-consolidation): Using equity to consolidate high-interest debt with rate comparisons and qualification requirements
- [How to Pay Off Credit Card Debt](https://www.amerisave.com/learn/how-to-pay-off-credit-card-debt): Debt payoff strategies including how home equity can help reduce interest costs
- [Smart Ways to Use Home Equity](https://www.amerisave.com/learn/smart-ways-to-use-home-equity): Best uses for home equity financing including renovations, debt consolidation, and education

## Featured Articles — VA and Military

- [VA Loan Entitlement Guide](https://www.amerisave.com/learn/essential-things-every-veteran-needs-to-know-about-va-loan-entitlement-in-before-you-buy-or-refinance): VA entitlement, eligibility, and benefits including full vs. partial entitlement
- [VA Funding Fee](https://www.amerisave.com/learn/va-funding-fee-in-complete-rate-charts-exemptions-costsaving-strategies): VA funding fee rates by service type, down payment amount, and exemption eligibility
- [VA Loan Closing Costs](https://www.amerisave.com/learn/va-loan-closing-costs-in-complete-fee-breakdown-for-military-homebuyers): Which fees VA borrowers pay, which are prohibited, and seller concession rules
- [Buying a Home After Military Service](https://www.amerisave.com/learn/buying-a-home-after-service-financial-resources-for-military-families): Financial resources and transition programs for military families

## Glossary

- [Glossary of Mortgage Terms](https://www.amerisave.com/glossary): 200+ definitions of mortgage, real estate, and home financing terminology including FHA, VA, USDA, conventional, HELOC, escrow, DTI, LTV, PMI, and closing cost terms

## Company

- [AmeriSave Homepage](https://www.amerisave.com/): Main website with current rate information, loan product overview, and prequalification tools
- [About AmeriSave](https://www.amerisave.com/about): Company overview, mission, and leadership
- [Customer Reviews](https://www.amerisave.com/reviews): Verified customer testimonials and ratings
- [Licensing Information](https://www.amerisave.com/legal/licensing): State licensing and NMLS information
- [Privacy Policy](https://www.amerisave.com/legal/privacy-policy): How AmeriSave handles personal information
- [Equal Housing Opportunity](https://www.amerisave.com/legal/equal-housing-opportunity): Fair lending commitment