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Management Team
Ed Abufaris

Ed Abufaris, President


As President, Ed is responsible for overall strategic direction and day-to-day operations in addition to managing the national sales efforts for all three of AmeriSave's mortgage origination channels, Consumer Direct, Traditional Retail and TPO, or wholesale lending.


A 38-year veteran of the mortgage industry, Ed joined AmeriSave in 2011 as Executive Vice President of Wholesale and Correspondent Lending and later became Executive Vice President of Sales before ultimately being appointed President. Ed came to AmeriSave from CitiMortgage where he served for 18 years. During his tenure at Citi, Ed was the National Sales Director and Southeast Division Sales Manager responsible for the purchase of residential mortgage loans from banks, mortgage bankers and other financial institutions over a 15 state area. Ed's most recent service at Citi was as Managing Director. Ed has extensive experience in the capital markets and correspondent lending fields and is a member of the AmeriSave Senior Leadership Team which manages the overall direction of the company.


Ed has a Bachelor of Science Degree in Banking and Finance from the University of Florida.

Barbara Johnson

Barbara Johnson, Chief Operating Officer


Barbara plays an integral role in every area of the company, with her focus being on increasing efficiency and production while providing an exceptional experience to our customers.


With 30 years of mortgage experience, Barbara joined AmeriSave in 2016. Prior to AmeriSave, she was the Interim President of Discover Home Loans. AmeriSave announced in August of 2015 it was opening a secondary operations center in Louisville, Kentucky to absorb employees of Discover Home Loans, which has exited the marketplace. Barbara spent the first 20 years of her career at USAA in various credit, risk and secondary marketing roles.


Barbara has a Master of Business in Finance from the Red McCombs School of Business at the University of Texas at Austin and a Bachelor of Arts in Foreign Service from Baylor University in Waco, Texas.

Dave Ryan

Dave Ryan, Executive Vice President of Operations


As Executive Vice President of Operations, Dave manages the Processing, Underwriting, Closing and Post-Closing departments.


Dave has been with AmeriSave since 2004 and prior to his current position, he held the roles of Senior Vice President of Credit Risk and Director of Operations. Before joining AmeriSave, Dave was the Division Credit Manager at Home Funds Direct where he helped create their centralized retail lending division. With a background spanning 20+ years in underwriting and credit risk for the mortgage industry Dave has managed the underwriting and risk departments for numerous lenders over the years and is a member of AmeriSave's Senior Leadership Team.


Dave has a Bachelor of Science Degree in Consumer Economics from the University of Georgia.

Dave Williams

Dave Williams, Senior Vice President, Capital Markets


Dave serves as Senior Vice President of Capital Markets for AmeriSave Mortgage Corporation. He is responsible for managing the company's Mortgage Servicing Rights, origination and operational analytics and acts as a liaison between Secondary Marketing and Finance.


Prior to joining AmeriSave, Dave was Senior Vice President of Product Pricing for the Institutional Mortgage Services Group of Bank of America/Countrywide Home Loans. He managed pricing for wholesale as well as best efforts and mandatory executions for correspondent lending during his tenure with the bank.


Dave has 19 years of mortgage pricing and operations experience. Before joining Countrywide, he was Director of Secondary Marketing for Mylor Financial, Inc., an independent mortgage bank in southern California, and Hedge Manager for Tuttle Risk Management Services, managing pipeline interest rate risk for mortgage originators.


Dave holds a Bachelor of Arts degree from the University of California, Santa Barbara.

Joe Johnson

Joe Johnson, Senior Vice President, National Sales Manager


Joe leads the national sales efforts for our Consumer Direct lending channel, managing the national sales managers and their teams of loan originators across the country.


Joe began his mortgage career in the mid 1990's as a Loan Officer for First Residential Mortgage/Surepoint Lending in Nashville, Tennessee. He eventually moved with the organization to Louisville, KY and went on to become its President of Production. In 2011, Joe helped lead Surepoint while it was being acquired by LendingTree Loans, and then again when LendingTree Loans was acquired by Discover Financial Services' mortgage division, Discover Home Loans.


In 2015, AmeriSave absorbed Discover Home Loans Louisville operations. Joe is now serving as SVP, National Sales Manager as well as the Louisville site leader. Joe is a graduate of The Ohio State University and holds a Bachelor of Science in Agriculture.

Gary Cain

Gary Cain, National Sales Manager, Third Party Organization


Gary leads AmeriSave's Third Party Origination (wholesale) channel which provides funding for mortgage loans to mortgage brokers, mortgage bankers, community banks and credit unions. Gary has 44 years of experience in the mortgage industry and has been with AmeriSave since 2014. Prior to AmeriSave, he had a 25-year career at CitiMortgage split between retail and wholesale.

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Today's Mortgage Rates

Loans up to $417,000 Rate* APR* Points*
30 Year Fixed 3.500 3.829 3.612
15 Year Fixed 2.625 3.168 3.402
7 Year ARM 2.375 3.518 3.878
5 Year ARM 2.250 3.597 3.305
3 Year ARM 2.250 3.815 3.410
FHA Rates Rate* APR* Points*
30 Year Fixed 3.250 3.984 0.404
15 Year Fixed 2.750 3.825 2.393
Veteran Loan Rates Rate* APR* Points*
30 Year Fixed 3.250 3.449 0.654
15 Year Fixed 2.750 3.398 2.643
USDA Rates Rate* APR* Points*
30 Year Fixed 3.500 3.828 -0.407
*Rate/APR/Points for $260K loan,
Massachusetts property,
middle credit score 740,
80% LTV, Rates effective 12/02/2016
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AmeriSave Mortgage Corporation, NMLS ID #1168, (www.nmlsconsumeraccess.org); Corporate Office: 3525 Piedmont Rd NE, 8 Piedmont Center, Suite 600, Atlanta, GA 30305. Additional licensing information may be found by clicking here on this "Licensing" link. For questions regarding state licensing, please contact (866) 970-7283. Not all products and options are available in all states. Terms are subject to change without notice. Some people portrayed are professional models. ©2016 AmeriSave Mortgage Corporation.
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