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Certified upFront Mortgage lender (UML)

Upfront Mortgage Lender Certified

AmeriSave Mortgage Corporation has been awarded the rare Upfront Mortgage Lender (UML) designation. The UML certification assures customers fair treatment in all dealings with AmeriSave Mortgage Corporation. Additionally, you are assured a fair and accurate interest rate and closing cost quote.

To be certified, AmeriSave Mortgage Corporation has met all of the UML requirements below. Read on to learn how AmeriSave Mortgage Corporation is dedicated to your satisfaction:

Requirement 1:A UML Must Provide Quick Access to the Market Niches it Prices On-Line.

The home loan market in the US is divided into millions of market niches and no one lender serves them all. Customers need a quick way to determine whether a particular lender prices the niche in which that customer lives. If not, the customer can go elsewhere without wasting time.

To see a list of AmeriSave Mortgage Corporation's market niche's click here: Market Niches

Requirement 2: A UML discloses all lender fees, including points, origination fees, and any fixed-dollar fees, and guarantees them to closing.

This assures borrowers that price information is complete, and that new fees won't be added or existing ones increased after they have committed to working with the selected lender.

Requirement 3:A UML discloses all third party fees with the best estimates possible, indicating which if any are guaranteed by the UML.

Requirement 4:A UML Provides a Clear Explanation of its Lock Requirements.

Requirement 5:A UML discloses all the information about its ARMs needed by customers to make intelligent decisions.

Customers need information on potential ARM performance – what will happen to the interest rate and mortgage payment under assumptions about future interest rates that make sense to the customer.

AmeriSave Mortgage Corporation discloses the index and margin used, as well as the interest rate caps, on all ARM's we offer. Simply search rates and click on "view" under "loan details" for the loan program and interest rate in which you are interested.

Requirement 6:A UML informs borrowers if its loan originators are compensated in a way that gives them a financial incentive to overcharge the borrower.

Loan originators often benefit financially if they can induce the borrower to pay more than the prices posted by the lender or broker. Where this is the case, the borrower ought to know about it.

Mortgage Rate Quotes

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Today's Mortgage Rates

Loans up to $417,000 Rate* APR* Points*
30 Year Fixed 3.625 3.923 3.409
15 Year Fixed 2.500 3.111 4.013
7 Year ARM 2.375 2.981 4.065
5 Year ARM 2.125 2.937 3.891
3 Year ARM 2.500 3.103 3.733
FHA Rates Rate* APR* Points*
30 Year Fixed 3.250 4.359 0.899
15 Year Fixed 2.750 3.527 0.573
Veteran Loan Rates Rate* APR* Points*
30 Year Fixed 3.250 3.474 1.151
15 Year Fixed 2.750 3.087 0.698
USDA Rates Rate* APR* Points*
30 Year Fixed 3.250 3.880 1.683
*Rate/APR/Points for $260K loan,
Massachusetts property, 740 FICO, 80% LTV,
Rates effective 09/02/2014
Click for Terms and Conditions

Mortgage Rate Alerts
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  • Fannie Mae Approved Lender
  • Equal Housing Opportunity
Amerisave Mortgage Corporation, NMLS ID #1168, (www.nmlsconsumeraccess.org); Corporate Office: One Capital City Plaza, 3350 Peachtree Road NE, Suite 1000, Atlanta, GA 30326. 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. ©2014 Amerisave Mortgage Corporation.
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