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Management team

Our Management Team

AmeriSave Mortgage Corporation's management team has over 200 years of combined mortgage experience.

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Ed Abufaris

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.

Executive Vice President of Operations

Dave Ryan

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.

Senior Vice President, Capital Markets

Dave Williams

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.

Senior Vice President, National Sales Manager

Joe Johnson

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 this role he helped lead the company through its acquisition by LendingTree Loans in 2011 which was then subsequently acquired by Discover Financial Services' mortgage division, Discover Home Loans.


As a result of AmeriSave's 2015 acquisition of Discover Home Loans' Louisville operations, Joe is now serving in his present capacity 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.

Senior Vice President, Traditional Retail

Jason Hultgren

Jason leads AmeriSave’s Traditional Retail, or branch lending, origination channel. He has been in the mortgage industry for 20 years and has extensive experience in all areas of mortgage banking, consumer lending and residential real estate. His lending career includes service as a credit analyst, a top producing loan originator, a producing sales manager as well as senior management roles. Jason joined Amerisave in 2014 and has spent the majority of his career on the mortgage leadership teams at Wells Fargo Home Mortgage and Fifth Third Mortgage.


He is a member of the Mortgage Bankers Association and sits on the Board of Directors for the Mortgage Bankers Associations of Georgia and the Atlanta Chapter of Mortgage Bankers. Jason is also active as an affiliate member of the Atlanta Board of Realtors.


Jason is a graduate of the University of South Carolina with a BA in Government and International Studies.

Mortgage Rate Quotes

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Today's Mortgage Rates

Loans up to $417,000 Rate* APR* Points*
30 Year Fixed 3.250 3.358 1.000
15 Year Fixed 2.500 2.618 0.514
7 Year ARM 2.000 3.115 3.516
5 Year ARM 2.000 3.206 2.536
3 Year ARM 2.250 3.401 1.911
FHA Rates Rate* APR* Points*
30 Year Fixed 3.000 3.693 -0.910
15 Year Fixed 2.750 3.466 -0.604
Veteran Loan Rates Rate* APR* Points*
30 Year Fixed 3.000 3.143 -0.660
15 Year Fixed 2.750 3.010 -0.354
USDA Rates Rate* APR* Points*
30 Year Fixed 3.250 3.807 -2.079
*Rate/APR/Points for $260K loan,
Massachusetts property,
middle credit score 740,
80% LTV, Rates effective 06/28/2016
Click for Terms and Conditions

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AmeriSave Mortgage Corporation, NMLS ID #1168, (; 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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