Tax Tips For Last Minute Filers
04/03/2018
When it comes to filing taxes, procrastination plagues a large number of Americans every year. In fact, based on data collected by the Internal Revenue Service, up to 25% of tax filers wait until the last two weeks before they even begin preparing their tax documents. Of course, procrastination isn…
Why Is Spring The Best Time To Sell A Home?
03/20/2018
In real estate, as in many other things in life, timing is everything. For many homeowners and prospective home-buyers, the decision of when to buy or sell a home can have a tremendous impact on the price, ease of sale, and competition. Many professionals in the real estate sector point to spring as…
AmeriSave Mortgage Corporation Named Top 10 Customer Satisfaction By LendingTree for Q4 2017
03/14/2018
Atlanta, Georgia – January 19, 2018 – AmeriSave Mortgage Corporation was listed on LendingTree’s Top Ten Customer-Rated Lenders for Q4 2017, which was announced on January 19, 2018. AmeriSave was rated on offered rates, fees and closing costs, responsiveness, customer service and overall experience…
How to Sell to Millennial Homebuyers
03/08/2018
When it comes to homeownership, there has definitely been a lag in the market brought on by the lack of participation from the millennial generation. There are many calculable reasons millennials have delayed homeownership with data showing the disparity between generation x and their millennial cou…
Staging Your Home for a Fast Sale
03/02/2018
When it comes to selling a home fast, the staging and interior presentation can go a long way in persuading buyers to make a purchase. Check out these 5 tips on how to stage a home in a way that showcases its strengths and de-emphasizes its weaknesses! Tip #1 - Declutter A cluttered home is a tu…
Get an Early Start – Prepare Your Taxes!
02/11/2018
Year after year around this time, government workers, small business owners, entrepreneurs and all other taxpaying citizens find themselves dreading the return of one of the most hated seasons - tax season. We understand how stressful this time of year can be with trying to make sure you get all of…
2018’s Top 10 Housing Markets
02/05/2018
The beginning of the year is off to a strong start for many housing markets across the US. According to a list aggregated by realtor.com, 10 metros are predicted to shine the brightest in 2018. The list was made by analyzing the prices and number of sales of existing home, the number of homes constr…
What you need to know about HELOCs and the new tax reform bill
01/30/2018
On December 20, 2017, President Trump signed into the law the Republican tax reform bill which went into effect at the start of 2018. With that, a number of changes have been made to our tax code, specifically, home equity loans and lines of credit. In the new bill, you can no longer claim a deducti…
Our Best Mortgage Tips for 2018
01/05/2018
Are you purchasing or refinancing a home in 2018? Check out our mortgage tips to help you have an awesome mortgage this year! Tip #1 – Build up your reserve savings You may have enough for your down payment and closing costs but if the payout depletes your savings, you could still run into some i…
Top 3 reasons to consider buying a new home during the holidays
12/20/2017
Holiday gifts, dinners and traveling are the typical money guzzling purchases families expect, and plan for, during this time of year, but maybe they should add buying a new house to the list. The holiday season may turn off many from purchasing a new home, but should it? It turns out, buying a new…
Saving Money During the Holidays
12/14/2017
The most wonderful time of year can also be the most stressful. Between making holiday travel plans, and finding the perfect gifts for your loved ones, saving money can feel impossible. However, putting aside money and taking care of holiday expenses is still doable with a bit of preparation and ser…
4 Tips for Paying Off Your Mortgage
12/08/2017
Many people have a goal of paying off their mortgage early, which is great, but not always feasible or the best decision for everyone. For instance, homeowners with low mortgage rates may decide putting their extra money toward a retirement plan is a more financially savvy move than paying down thei…
Savings Tips For Black Friday Shopping
11/22/2017
The holidays are some of the most festive and financially stressful times of the year. Between travelling, purchasing gifts, and feeding a ton of hungry family members, you may find yourself strapped for cash. Have no fear, Black Friday is here. OK, you may be wondering why would I mention savings…
Tips to Get Your Home Ready for Thanksgiving!
11/18/2017
The Thanksgiving holiday is almost here and many homeowners are preparing to host friends and family. This can often make homeowners feel as though they must do a thorough deep cleaning of their home, but we think the holiday season is already stressful enough. Check out our list of 5 easy ways to g…
6 Easy Landscaping Projects to get your Lawn Fall Ready!
11/15/2017
The cooler weather season is the perfect time to show off the beauty of all things fall in your home’s landscaping. It can be tough preparing your yard for autumn, but the payoffs are great and staying active in your yard can feel very rewarding once your home is the standout on your block. Get you…
AmeriSave Mortgage Corporation Announces New Leadership
11/06/2017
Atlanta, Georgia – November 5, 2017 – AmeriSave Mortgage Corporation announces that Robert J. (Bob) Smith has accepted the company’s offer of the position of President, replacing Ed Abufaris who recently announced he was leaving the company. Bob joined AmeriSave on November 1st and will be appointed…
AmeriSave Mortgage Corporation Named Top 10 Customer Satisfaction By LendingTree for Q3 2017
11/02/2017
Atlanta, Georgia – November 1, 2017 – AmeriSave Mortgage Corporation was listed on LendingTree’s Top Ten Customer-Rated Lenders for Q3 2017, which was announced on November 1, 2017. AmeriSave was rated on mortgage rates, fees and closing costs, responsiveness, customer service and overall experienc…
Halloween Tips for a Safe Evening
10/30/2017
No matter your age, Halloween is a festive time of year. Decorating your home with spooky jack-o-lanterns and haunted displays add to the fun. October 31st gives individuals many great excuses to dress up as their favorite characters, and eat as many sweet treats as they’d like, so you wouldn’t wan…
Get Your Home Fall Ready!
10/26/2017
It’s the most wonderful time of the year. The leaves are changing and the weather’s getting chillier. That can only mean one thing; fall is here! In order to get in the spirit of the season and prepare for cooler weather, we’ve compiled a list of fall prep must dos. Check off each of our home ready…
Are Mortgage Rates on the Rise?
10/18/2017
Mortgage rates change daily, but by historical standards, rates are still looking pretty good. However, according to the Federal Reserve’s September minutes, rates are expected to increase, and some experts believe a rate hike is on the horizon. According to data from Bankrate, the 30-year fixed ra…
Don’t Forget Curb Appeal
10/03/2017
When updating and putting work into their house, homeowners spend a great deal of time and money on the inside. However, while a home with a beautiful interior is important, don’t forget about its exterior. Just like when meeting new people, first impressions matter. Spending time improving your hom…
Avoid These 5 Things That Could Turn Off Potential Home Buyers
09/18/2017
When selling your home, you must keep others’ potential hang ups in mind. Being attentive to and avoiding possible turnoffs can help you get your home sold fast. Check out our list of the top 5 no-no’s when showing your home. Pets Yes, you love your furry four legged friend, but others may not s…
5 Things That Can Drive Up Your Mortgage Rate
09/14/2017
When applying for a mortgage loan, every borrower hopes to receive the best rate possible. However, many may not be certain what factors actually determine the rate they receive. Check out our list below of the top 5 things that could be driving your mortgage rates through the roof! 1) Credit Scor…
Reduce Your Debt-to-Income Ratio
09/11/2017
In the wake of the home finance crisis that began in about 2008, obtaining a mortgage is now more difficult than it was before, but knowing the obstacles will help prepare you for buying a home. Today’s lenders want to avoid the mistakes that bankrupted yesterday’s lenders. Additionally, Governmen…
Get Your Credit Mortgage Ready!
08/18/2017
If you’re considering buying a new home, then you’re probably aware of the criteria that factors into obtaining a mortgage loan. However, one of the many standards that concern most individuals is the shape of their credit. Your credit does affect your loan eligibility and rate, that’s why it’s imp…
Back to School – School Supply Drive
08/11/2017
In an effort to raise school supplies through local organizations - Agape Youth and Family Center and Metro United Way - to help children in need, AmeriSave employees stepped up to the plate. In our Atlanta branch the team raised 1,500 items and in the Louisville branch the team raised 6,979 items w…
Is “For Sale By Owner” the Right Move For You?
08/01/2017
Buying a property that’s for sale by owner, or FSBO, doesn’t have to be difficult. In fact, it may offer some advantages as you won’t have to pay fees or commissions for a real estate agent (although, using a professional is always recommended). However, when pursuing a FSBO home, there are a few t…
Americans Agree, It’s a Good Time to Sell a Home
07/31/2017
Yes, home prices are increasing, but that isn’t slowing down the purchase market. Homeowners are finding that because of the competitive market, now may be the best time to sell their homes. According to Fannie Mae’s National Housing Survey, 61% of those surveyed believe now is an optimal time to s…
Credit Scores Are On the Rise
07/18/2017
If you haven’t checked your credit score recently, maybe you should. According to an analysis performed by VantageScore, around 8% of Americans are seeing a bump in their scores with an average 10 point increase as new credit rules role into effect that remove civil debts and certain tax liens from…
Get ready for the first time homebuyer boom
07/11/2017
For years now, home builders have focused their attention on building bigger luxury homes to fulfill the demand of homebuyers, but the tables are turning and with them a surge of starter home developments are popping up. Millennials are finally entering the home purchasing markets and as demand incr…
AmeriSave Loan Originator Rebekah Balkcom was named on the “Elite Women In Mortgage” list by Mortgage Professional America
07/07/2017
Each year, Mortgage Professional America, or MPA, publishes a report highlighting the accomplishments of 100 women who are stars in the mortgage industry. AmeriSave employee Rebekah Balkcom was honored with the award for the second year in a row. Rebekah has been with AmeriSave since the company wa…
Buying a Home with Student Loan Debt
06/26/2017
The class of 2016 graduated college with an average of $37,172 in student loan debt; that’s up 6% from the previous year. In the coming months and years these students are going to find jobs, start families, and begin looking for their starter homes, with many of them still carrying a handsome amou…
To New Grads: Now is the time to start thinking about buying a new home
06/05/2017
I know what you’re thinking, you just received your diploma and may not even have your first job lined up prior to graduation yet, so isn’t thinking about buying a home a bit premature? My answer to that question is a big resounding NO. Now is the best time to start investing into your future; the…
How to sell to millennial homebuyers
04/27/2017
When it comes to homeownership, there has definitely been a lag in the market brought on by the lack of participation from the millennial generation. There are many calculable reasons millennials have delayed homeownership with data showing the the disparity between generation x and their millennial…
The 7 items every real estate agent should keep in their trunk
04/19/2017
As an agent, you know from experience the kinds of curve balls that can be thrown your way when you’re out showing homes to potential buyers. So being prepared in any situation is a must to make sure you can continue business as usual no matter what situation comes your way. We’ve put together our…
Homes are selling fast this spring season
04/12/2017
With demand so high and supply low, it’s no wonder houses are selling faster than agents can set up showings with their clients. This spring we are definitely in a sellers’ market; home prices have gradually increased and show no signs of stopping and yet buyers are still swooping in and purchasing…
What to expect when purchasing a home during the busiest time in real estate
04/07/2017
With the blossoming of new flowers, for sale signs are also blooming across the country; spring homebuying season is up and running. Despite rate increases, it’s still a sellers’ market for Americans in most of the U.S. Yes, 2016 was a great year for mortgage rates, seeing rates hit record lows; how…
5 things you should never say to a real estate agent
04/03/2017
If you’ve been in the industry long enough (or even for a short time) you’ve probably been on the wrong end of a flippant comment or something has been said to you that’s rubbed you the wrong way. Unfortunately, in the world of real estate many don’t understand just how big of an asset having an age…
It Costs to be a Renter in Today’s Market
03/28/2017
In most major cities in the U.S. when it comes to home affordability, buying a home instead of renting is usually the less expensive route. For years individuals have put off homeownership in order to save more money, but with rent prices steadily rising month after month, it may be time to rethink…
Why Millennials are Delaying Homeownership
03/24/2017
Homeownership, once the milestone many young adults strived for to prove “they made it”, has seen a steady decline from the younger millennial generation. There have been many reports and articles about millennials and their “unusual” buying behaviors; many claiming that this generation simply is ch…
Spring Cleaning Tips for the Home Garden
03/21/2017
If the presence of birds chirping and sunnier days are any indication, many can expect an early spring this year. This can only mean one thing, it’s time to start getting things cleaned up and in order for the new season. That’s right, its spring cleaning time! Although maintaining your home garden…
Take Our 15 Day Spring Cleaning Challenge
03/15/2017
Day 1: Put the dishwasher to good use I know what you’re thinking, “I already use my dishwasher almost every day.” Yes, most of us use our dishwasher to wash dirty dishes regularly, but this appliance can be used for much more. Fill it up with things that don’t typically get as much care, like glas…
Choosing a Refinance Company that’s Right for You
03/09/2017
There are many different motives behind why homeowners may choose to refinance their mortgages. Perhaps they are simply trying to obtain a lower rate, shorten the length of their mortgage term, switch mortgage types, or any other number of reasons. However, regardless of their intention for refinanc…
New found optimism in the housing market among Americans
03/06/2017
After months and months of declined confidence in the housing market, Americans are shifting their opinions. Data collected by Fannie Mae’s Home Purchase Sentiment Index shows an improved assurance after a 5 month decline. “Three months after the presidential election, measures of consumer optimism…
Housing in 2017 Under New Administration
03/01/2017
Over a month into the Trump presidency, we are already seeing the impact the new administration is having on the housing industry. In fact, in a matter of hours after being inaugurated, President Trump issued an executive order that immediately suspended a fee reduction that was set to go into effec…
AmeriSave Named 3rd in Customer Satisfaction by LendingTree for Q4 2016
02/14/2017
Atlanta, Georgia – February 13, 2017 – AmeriSave Mortgage Corporation was listed 3rd on LendingTree’s Top Ten Customer-Rated Lenders for Q4 2016, which was announced on February 13, 2017. AmeriSave was rated on mortgage rates, fees and closing costs, responsiveness, customer service and overall exp…
How to Stay Motivated When Your Home is Also Your Office!
02/01/2017
Working from home is becoming increasingly more popular for today’s workers. Whether it’s working remotely full time or part time, having a home office comes with its challenges. However, for many, the flexibility and freedom is well worth the challenge. Staying focused and motivated can be tough,…
Getting your Home Garden Cold Weather Ready
01/30/2017
The winter season is in full swing, and with it brings chillier weather and freezing condensation. These things can wreak havoc on your home garden and leave you with a mess to deal with come spring. However, taking pre-winter steps can help you achieve success during blossom season and your vege…
Credit Card Tips for 2017
01/25/2017
When one year comes to an end and a new year begins, many people start making goals and reorganizing their lives. At the top of most goal-setter’s new year’s list (right after weight loss that is) is financial rehabilitation. That being said, making the smartest credit card decisions can set you up…
The new year brings a drop in the 30-year fixed mortgage rate!
01/10/2017
For the first time since the presidential election, we are finally beginning to see a drop in mortgage rates. The 30- year fixed mortgage rate increased by 40 basis points in the two weeks following the election, raising the rate to 3.94%, as stated by Freddie Mac Chief Economist, Sean Becketti. Ac…
Don’t let the fear of rising rates take you out of the race!
01/03/2017
With a new government administration set to take office, the mortgage industry is in for some changes, which is to be expected with any new elected president. Since the election, Americans have seen an aggressive increase in mortgage rates, which are currently siting at their highest level since May…
Surviving the Holidays with NO debt!
12/23/2016
Last year, Americans found themselves in debt averaging around $1,073 after the holiday season! According to a study done by Magnify Money, 1 out of every 4 Americans will be in holiday debt in 2016. That, on top of other debt obligations, can cause a lot of financial stress for the average family.
Saving Money During the Holidays
12/21/2016
The most wonderful time of year can also be the most stressful. Between making holiday travel plans, and finding the perfect gifts for your loved ones, saving money can feel impossible. However, putting aside money and taking care of holiday expenses is still doable with a bit of preparation and ser…
Winterize Your Life
12/07/2016
As the weather becomes brisker, and the leaves begin to change colors and fall, you should take some time to prepare your home for winter. Doing these things ahead of time can save you money in the long-run, and prevent you from being out in the cold. Heating System Tune-up You should change your…
Improving your Home’s Efficiency
11/30/2016
For many individuals, home related expenses add up to be their largest monthly cost. From utilities, repairs, mortgage payments and more, being a homeowner can feel a bit like a money guzzler, and unless you’re a billionaire, you’re probably always looking for ways to cut costs. Improving your home…
FHA Increases Conforming Loan Limit
11/29/2016
For the first time in 10 years, the Federal Housing Finance Agency (FHFA) has raised conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac. Separate loan limit announcements are expected shortly from FHA and the Veterans Administration. The current loan limit, $417,000, has be…
AmeriSave Employees Donate Food For Thanksgiving
11/22/2016
With Thanksgiving just around the corner, AmeriSave's Atlanta employees contributed over 600 items in our annual food drive for local families in need. Way to go team! Thanks Agape Youth & Family Center for your continual outreach and service in the community, and for hosting this Thanksgiving…
Why Getting a Home Mortgage May Be the Right Move Even if You Can Pay in Cash
11/17/2016
Since we were old enough to care, we’ve probably had it instilled in our minds that debt is a bad thing and to avoid it at all costs. Many would say this was sage advice, and few would argue with that notion; I wouldn’t argue with that notion. I will, however, contend that mortgage loans may actual…
Savings Tips for Black Friday Shopping
11/17/2016
The holidays are some of the most festive and financially stressful times of the year. Between travelling, purchasing gifts, and feeding a ton of hungry family members, you may find yourself strapped for cash. Have no fear, Black Friday is here. OK, you may be wondering why would I mention savings…
Getting the most out of your 401(k)
11/10/2016
No matter your age, it’s always a good time to start, or continue, educating yourself about your retirement plan and how you can make the most of what’s offered to you. Many individuals have heard of 401(k)s, but they may not be entirely aware of how they work, or how they can benefit from them. A…
Building your Emergency Fund
11/03/2016
Unfortunately, humans don’t have the capacity (as of yet) to predict the future, so until that time comes, we must prepare for the unexpected. Making sure to put aside money for an emergency fund is one of the wisest financial decisions one could make. Natural disasters, car accidents, medical emer…
Halloween Tips for a Safe Evening
10/28/2016
No matter your age, Halloween is a festive time of year. Decorating your home with spooky jack-o-lanterns and haunted displays add to the fun. October 31st gives individuals many great excuses to dress up as their favorite characters, and eat as many sweet treats as they’d like, so you wouldn’t wan…
Being A Good Landlord
10/28/2016
For many individuals who have ventured into investment real estate, the potential rewards can be great. However, there are considerable risks and a lot of responsibility that comes with being responsible for real estate property and tenants. Everything that’s worth having is worth working for, so d…
6 Things That Can Drive Up Your Mortgage Rate
10/20/2016
When applying for a mortgage loan, every borrower hopes to receive the best rate possible. However, many may not be certain what factors actually determine the rate they receive. Check out our list below of the top 5 things that could be driving your mortgage rates through the roof! 1) Credit Scor…
Finance 101: Cutting the Cord on Cable
10/19/2016
Are you one of the many individuals who pay a $100+ cable bill every month and only watch a handful of the channels that you’re paying for? Well, if that’s the case, maybe it’s time to cut the cord on your cable and opt in for some less expensive options. No, I’m not saying you have to throw out yo…
The Exodus from the Suburbs
09/29/2016
Remember the days when getting married, finding a home in the suburbs with a white picket fence, and having 2.5 kids and a dog were the epitome of the American dream? Yeah, me neither. It’s 2016 and people are staying single longer and trading suburbia for city dwelling. As the social genera…
Check out these 5 steps to get your credit mortgage ready!
09/23/2016
If you’re considering buying a new home, then you’re probably aware of the criteria that factors into obtaining a mortgage loan. However, one of the many standards that concern most individuals is the shape of their credit. Your credit does affect your loan eligibility and rate, that’s why it’s imp…
Renters can actually afford to buy homes… Why aren’t they?
09/21/2016
When it comes to homeownership, many viable candidates take themselves out of the running before they even verify if they are actually eligible for receiving a mortgage. In many instances, these potential contenders can qualify to buy a home! So what’s holding them back? False information One com…
Are you smarter than your house? The rise of smart homes
09/16/2016
Smart houses have been in development and on the market since the early millennium. As time passes and technology becomes even more advanced, incorporating augmented realities and hi-grade security for average consumers, the rise of smart houses or smart house features in homes across the country ha…
Managing Your Student Loan Debt
09/14/2016
It’s 2016 and student loan debt in the U.S. is sitting at a staggering $1.3 trillion. That total is comprised of about 43.3 million borrowers. With that many Americans holding a student loan balance, one might assume that borrowers are educated about all things student loans so that they don’t make…
Tiny homes: the new trend people are obsessing over
09/12/2016
Go big or go home. To your tiny home that is. There is a new social movement gaining popularity across the U.S. The tiny house movement has picked up traction, even gaining media attention through HGTV television shows such as Tiny House Hunters, Tiny House Builders and Tiny House, Big living. So,…
Summer’s top 5 hottest housing markets
08/29/2016
The summer days are hot and so is the housing market. This year, Florida dominated the list with 4 of its cities ranking in the top 5 markets and Washington taking the 5th spot according to data reported by Ten X, an online real estate marketplace. The markets are ranked based on strong demand, hom…
Are your expensive habits costing you hundreds?
08/24/2016
A habit, as defined by Merriam-Webster, is a usual way of behaving: something that a person does often in a regular and repeated way. Life’s little luxuries are nice to indulge in every now and again, but when splurges become habitual practices, your savings can seriously suffer. Try cutting out s…
Million dollar homes the new normal in some markets
08/19/2016
Remember when you thought a house worth one million dollars was an exorbitant price paid out only on decadent mansions by the extremely wealthy? Well, those days of thinking are gone and the seven-figure price tag is becoming a new normal in many of our country’s largest housing markets. According…
What is a reverse mortgage?
08/18/2016
You’ve finally reached the golden age of 62 and now qualify for a reverse mortgage, so how does this impact you? Well, quite frankly all this means is you have more options, and who doesn’t like having options! With a reverse mortgage, or a home equity conversion mortgage, eligible homeowners…
Reduce Your Debt-to-Income Ratio
08/17/2016
In the wake of the home finance crisis that began in about 2008, obtaining a mortgage is now more difficult than it was before, but knowing the obstacles will help prepare you for buying a home. Today’s lenders want to avoid the mistakes that bankrupted yesterday’s lenders. Additionally, Governmen…
Millennials set to take up the mantle as largest generation of buyers
08/15/2016
Millennials have surpassed Baby Boomers as the largest living generation, but their buying priorities are vastly different than their elder counterparts were at similar ages. Renting vs. Homeownership Growing up when the housing bubble began to burst and seeing their parents struggle through a vo…
FSBO – Things you should know
08/11/2016
Buying a property that’s for sale by owner, or FSBO, doesn’t have to be difficult. In fact, it may offer some advantages as you won’t have to pay fees or commissions for a real estate agent (although, using a professional is always recommended). However, when pursuing a FSBO home, there are a few t…
5 Reasons to Consider Using a Real Estate Agent
08/08/2016
Acquiring a house is one of the biggest financial purchases you will make, and navigating the steps to homeownership can be confusing and a little intimidating; even more so if you are in the beginning stages of finding your first home. Would you leave such a big decision and financial burden to cha…
Landscaping ideas that can make your home more secure
08/04/2016
As crime rates in major cities increase, finding clever ways to increase your home’s security is not only shrewd but necessary. Using landscaping in a way that deters would-be burglars could keep you and your property safe. Simple design concepts will help give your home a polished look that doesn’t…
AmeriSave Advantage’s First Closing!
08/01/2016
The AmeriSave Advantage program is up and running; helping families realize their dreams of homeownership! This program is designed to help customers in the home buying process by giving them access to a network of local real estate professionals and providing them with a client coordinator who acts…
Historically low rates continue to increase
07/29/2016
Mortgage rates slowly continue to creep up but that's not discouraging borrowers from purchasing homes. In fact, due to historically low mortgage rates, home sales are increasing at a pace we haven’t seen since 2008. According to data, the 30-year fixed- rate mortgage increased to 3.48% from last we…
Is it time for back to school shopping already? Let’s hear it for tax free weekends
07/27/2016
Summer break is quickly coming to an end and kids are begrudgingly preparing to head back to school, which only means one thing; its back to school shopping season! Fortunately for some, many states offer tax free weekends on school supplies, clothing, shoes and more. We’ve got the list below! Cha…
Refinance applications drop as purchase applications rise
07/22/2016
The post-Brexit refinance frenzy seems to have leveled off, but that doesn’t mean borrowers aren’t taking advantage of current low rates; purchase applications have started to see an increase. According to data, refinance applications fell by 1% this week after seeing an increase of 24% over the pas…
Things to do before heading out on vacation
07/14/2016
Vacation season is finally here and families are making travel plans to pack up and get away for quality time with the family. Getting away for a few weeks during the summer is an excellent way to relax and recharge, but don’t forget to take these steps before leaving your home. Have peace of mind a…
First Time Homebuyers: Questions We All Have
07/13/2016
There are few things more exciting, and often terrifying, than entering the world of homeownership. After months of binge watching HGTV and stalking house listings in your area on Zillow, you’re ready to take the next step. However, many don’t know what that next step is. Fear not! We’ve put togethe…
How to save money without doing anything!
07/08/2016
Raise your hand if you hate click-bait headlines. Me too! However, that is NOT what this is. If you’re anything like me, the idea of possessing impregnable willpower that keeps you from spending on simple (yet expensive) pleasures is disheartening. Passing up my grande caramel macchiato every mornin…
Why now is a great time for a mortgage refi
07/08/2016
Mortgage rates continue to linger near all-time lows and refinance applications are through the roof. With the 30-year fixed rate sitting just above the all-time low rate at 3.52% (the record low being 3.5%) you can see why so many borrowers are taking advantage of these rates. The end of the July…
Mortgage rates plummet after Brexit vote
07/01/2016
Since the United Kingdom shocked the world and voted in favor of a British exit from the European Union, mortgage rates have plummeted to historic lows reminiscent of the all-time low recorded in November 2012, with only a 17 basis point difference. For the week of June 30, 2016, the 30-year fixed-r…
Brexit - What’s happening with our friends across the pond and how it could affect you
06/27/2016
For those who haven’t heard, last week the UK experienced a historical shock when British voters surprised everyone and voted in favor of a British exit, aka Brexit, from the European Union. With the news of the UK withdrawing from the European Union, experts have been in major debates over the fut…
Things they don’t teach you in school – but should
06/09/2016
“Why didn’t they teach us this in school?” We’ve all probably said, thought or heard this question numerous times in our lives. Whether it’s referring to how to file taxes, the best way to save and invest or how to negotiate contracts and salaries, I’m sure we could come up with a pretty extensive…
School’s out for the summer: 15 things you can do with your kids
06/07/2016
The sun is out and blazing, and the kids are at home complaining of boredom. That could only mean one thing – it’s summertime. Don’t let yourself, or your kids, fall prey to the mind sucking vortex that is the television set. Check out this list we’ve compiled of summer fun you can have in or outsid…
AmeriSave Mortgage Corporation Launches AmeriSave Advantage, a Real Estate Assistance and Rewards Program
06/02/2016
Atlanta, Georgia – June 2, 2016 – AmeriSave Mortgage Corporation, NMLS ID #1168, adds value for customers with its new real estate assistance and rewards program, AmeriSave Advantage. The AmeriSave Advantage program helps customers who are buying or selling a home and do not have a local real estate…
Benefits of Bathroom Renovations
05/26/2016
Renovating a bathroom is not an easy undertaking but the added value and aesthetic appeal it can bring to your home may be worth the challenge. Investing in strategic updates on key fixtures could lead to a big return and you don’t have to spend a fortune. Check out these tips on basic renovations t…
8 financial steps to take before you turn 30
05/24/2016
College is over and late nights followed by even later mornings are all but a thing in the past. You may find yourself thinking about your future in ways that you never have before. Focusing on things like marriage, children, careers, homeownership or a combination of all. "What could this shift in…
Is refinancing right for you?
05/20/2016
In today’s housing market, many homeowners may see advantages in refinancing their homes. Individuals impacted financially by the mortgage crisis in the early to mid-millennia have taken advantage of low rates and have refinanced, in some instances, multiple times. So, you may wonder, is refinancing…
Growing debt for new grads
05/18/2016
It’s 2016 and a fresh new crop of students brimming with knowledge and ready to enter the work force are merely weeks away from graduation! Many of these students will go on to secure well-paying jobs and begin growing their savings in order to invest in their very own home just like their parents b…
Pros and cons of purchasing a foreclosure
05/16/2016
If a great deal on a new home is the most important factor in your home purchase, you may be considering purchasing a foreclosure. Many home buyers go this route so that they can buy properties that are significantly discounted in order to use the money saved on remodeling and renovations; however,…
What cities have the best housing market?
05/12/2016
The current housing market is experiencing an increase in home values due to a supply problem (housing demand is up, but housing supply is down). For first time homebuyers looking to purchase an affordable home, the task ahead may seem daunting, but there is hope for you yet. Check out this list put…
Home ownership. How soon is too soon?
05/09/2016
So, you’re debating whether you should purchase a home and many questions are running through your mind. “Is this the right decision for me?”, “Can I afford a house?”, “Is it worth it to own?” Well, we have the answer for you! We don’t know. Deciding to purchase a house depends on a number of perso…
What's so great about solar panels and why is everyone talking about them?
05/05/2016
Many question the benefits of going green when it comes to boosting the values of their home. Can improvements such as solar panels and energy conserving fixtures actually increase the value of a home? [caption id="attachment_758" align="alignright" width="231"] click on image to enlarge[/caption]…
Four Tips on Negotiating a Home Purchase Price
05/03/2016
For many inexperienced homebuyers, negotiating a final sale price can seem rather intimidating. Every homebuyer wants to make an offer most in their favor, which is why proper negotiation plays such an important role in the process. Here are four quick tips to help you get started on negotiations. 1…
Why it's important to get pre-approved
05/02/2016
Beginning the process of looking for a new home can be a daunting task and for many first time home buyers, knowing where to start can be confusing. You may be asking yourself “how do I go about paying for a house?” or “how much home can I afford?” Well, both of those questions can be answered after…
Congratulations!
04/29/2016
Every year Mortgage Professional America, or MPA, publishes a report highlighting the accomplishments of 50 women who are rising stars in the industry. This year two of our very own were featured in MPA’s Elite Women in Mortgage report. A big congratulations goes out to Lauren Frank (left) and Rebek…
How Much Should You Save for Retirement? Four Factors to Consider
04/29/2016
When it comes to saving for retirement, many people have no idea how much money they should put aside to retire the way they want to. An ideal retirement figure depends on a wide range of factors, from desired retirement age to percentage of income saved every year. Here are four common factors used…
Congratulations Team
04/28/2016
National Mortgage News has published their list of Top Producers in 2016 and some congratulations are in order for nine of AmeriSave’s Loan Originators. Awesome job Greg LaPointe, Rebekah Balkcom, Brad Minor, Mike McCone, Adam Kuhns, Sean Park, Jessica Gibson, Brad Cejka and Michael Capell! National…
AmeriSave Named 4th in Customer Satisfaction by LendingTree for Q4 2015
04/27/2016
Atlanta, Georgia – March 11, 2016 – AmeriSave Mortgage Corporation was listed 4th on LendingTree’s Top Ten Customer-Rated Lenders for Q4 2015, which was announced on February 1, 2016. AmeriSave was rated on mortgage rates, fees and closing costs, responsiveness, customer service and overall experie…
Congratulations Greg LaPointe!
04/27/2016
Congratulations to AmeriSave’s very own Greg LaPointe! Greg has been named as a Top Originator in 2015 by the Scotsman Guide, an online mortgage publication. This is Scotsman Guide’s 7th annual ranking of top originators and after receiving over 2,400 entries, Greg was chosen after closing over $87…
Five Tips for First Time Homebuyers
04/26/2016
For many first time homebuyers, the prospect of finding and purchasing a home can be a bit overwhelming. Here are five tips to help you get started on the path to home ownership. 1. Determine what type of home matches your needs. Residential properties come in a wide variety of shapes and sizes, fro…
How to Use Social Media to Sell Your Home
04/19/2016
Despite generation gaps, the use of social websites and applications has increased across the board. With online interactions becoming the predominant form of communication, establishing an online presence is now vital to all types of business, including real estate. So, as a homeowner leaping into…
The Benefits of an Online Lender
04/12/2016
It’s 2016, and in a time where computers, tablets and mobile devices are increasingly changing how consumers do business across all markets, mortgage lenders are finding that they must adapt to the needs of their borrowers. AmeriSave Mortgage Corporation consistently stays ahead of the curve. Since…
Mortgage Rates Hit Six Month Low
05/15/2014
Mortgage rates fell again this week, hitting a six-month low as investors reacted to weak economic news in the U.S. and to reports that the European Central Bank may ease monetary policy. The 30-year fixed-rate mortgage fell 4 basis points to 4.33 percent. A basis point is one-hundredth of 1 percent…
Four Common Tax Deductions for Homeowners
03/19/2014
During income tax season, many American homeowners will qualify for one or more tax deductions based on their real estate holdings. For some, the deductions can result in thousands of dollars in savings. Following is a quick list of four common tax deductions for U.S. homeowners. 1. Mortgage inter…
Smart alternatives to putting 20 percent down
02/25/2014
When you started researching what it takes to buy a home, you probably came face-to-face with one number over and over again: 20 percent. Traditionally, that's how much was needed to buy a home. These days, there are a number of alternatives to the 20 percent down payment, with some options requirin…
AmeriSave Mortgage Given A Rating by the Better Business Bureau
01/15/2014
AmeriSave Mortgage Corporation is a Better Business Bureau (BBB) Accredited Business with an A Rating. Operating with honesty, reliability and integrity in today's lending environment, AmeriSave's mission is to save our borrowers time and money in their home purchase or refinance transactions. Amer…
Mortgage Rate News for 2014
01/07/2014
We started off 2013 by carrying over mortgage rates at historic lows. We saw 30 year fixed rates in the low 3% range*, fueling a refinance wave that lasted nearly a year. Since mid-May rates have begun to climb, reaching about 4.5%*. The government shutdown in October had one positive effect: Mor…
Four Ways to Keep Your Lawn Healthy This Summer
08/12/2013
With summer already upon us, homeowners across the country must now face the problem of maintaining a healthy lawn during the hottest and driest part of the year. Here are four tips to help you keep your grass happy and healthy this summer. 1. Water deeply and infrequently. During the dry summer mon…
Real Estate News: No Housing Bubble In Sight
07/17/2013
The following article appeared in Mortgage Professional America on July 17th, 2013. Some are saying that the sharp rise in mortgage interest rates in June, driven by bond market responses to the Fed, is leading to a bubbling housing market. But CoreLogic shares a more optimistic housing rec…
Common Real Estate Scams and How to Avoid Them
07/17/2013
During the housing bubble scams commonly manifested among fraudulent brokers issuing predatory loans or, as home flipping reached a feverish pitch, real estate gurus charging tens of thousands for get-rich-quick courses. When the bubble burst, many of those same swindlers set their sights on cash-st…
Four Ways to Reduce Home Electricity Costs During Summer Months
07/15/2013
During the summer months, many people experience a sudden and unwanted uptick in their monthly energy bills. The change almost always occurs due to increased use of the air conditioning system, which uses a considerable amount of energy. Here are three tips to help homeowners keep their homes cool w…
Three Ways to Improve Your Credit Score
07/01/2013
All too often, low credit scores keep individuals from obtaining loans, credit cards, and other forms of financing. Over a long enough period of time, there are ways for individuals of all incomes and debt levels to repair their credit and get back on their feet. 1. Obtaining a credit card is perhap…
Five Tips For First Time Home Buyers
06/10/2013
For many first time home buyers, the prospect of finding and purchasing a home can be a bit overwhelming. Here are five tips to help you get started on the path to home ownership. 1. Determine what type of home matches your needs. Residential properties come in a wide variety of shapes and sizes, fr…
Why is Spring the Best Time to Sell a Home?
05/22/2013
In real estate, as in many other things in life, timing is everything. For many homeowners and prospective home-buyers, the decision of when to buy or sell a home can have a tremendous impact on the price, ease of sale, and competition. Many professionals in the real estate sector point to spring as…
How to Prepare Your Home For an Appraisal
05/20/2013
In today’s housing market, a well-executed appraisal can add thousands of dollars of value to your home. It is important to prepare your home long before an appraiser ever arrives on the scene. Here is a quick list of tip to maximize the appraisal value of your home. 1. Clean the interior of your ho…
FHA Rule Changes Coming June 3rd Make Now The Time To Refinance
05/02/2013
Thinking about refinancing your existing mortgage, or taking out a new one? Don't delay, or it could cost you. Some Federal Housing Administration (FHA) changes involving tighter lending standards and higher mortgage insurance premiums already took effect on April 1st, while others are on the way -…
Five Ways to Cut Costs at Home
05/01/2013
In tight economic times, many families have begun looking to their household budgets for ways to save money every month. Here are five tips to help families cut down on their monthly expenses and start growing their savings. 1. Bundled services: As a result of increased competition in the telecommun…
First Quarter Mortgage Industry Update
04/29/2013
As we reflect on first quarter, 2013 we find a real estate market which after many years appears to be gaining some stability and strength. As a result, in many markets there seems to be more home purchase demand than supply as evidenced by lower inventory, increasing values as well as multiple con…
AmeriSave Mortgage Corporation Presents the First Annual AmeriCup Employee Putt Putt Tournament
04/26/2013
Back in February, AmeriSave’s Executive Vice President Ed Abufaris sent an email to 7 associates from different departments and asked them to meet in the conference room where he wanted to share an idea. Ed began, “We are a large group of people here at AmeriSave. We are separated by departments,…
The Battle of Homeownership vs. Renting
04/04/2013
With today’s mortgage rates still very low, the cost of homeownership may rival that of renting in many markets. Real estate blog Trulia states, despite asking price increases of 7% outpacing rental increases of 3.2%, the gap between buying and renting has narrowed only slightly. Today, it is stil…
Prefab Isn’t What It Used To Be
03/22/2013
The history of prefabricated homes in the United States dates back to the early 1900s when companies like Sears, Roebuck and Co. sold more than 100,000 homes out of its catalog. Prefabricated houses were inexpensive because the panels were constructed in an assembly line fashion, with the skilled c…
How to Save Money on Mortgage Payments
03/06/2013
Financial advisors generally recommend spending in the range of 30% of a household’s monthly income on a mortgage payment. Some homeowners have seen their incomes decline in the last few years and others may have budgeted more than 30% for their mortgage payments to begin with. If you’ve found you…
HARP Hits 2 Million, Mortgage Interest Tax Deduction Under Spotlight, and Home Ownership Trends
02/20/2013
2 Million HARP Refinances Government sponsored housing agencies Fannie Mae and Freddie Mac have reached a major milestone, 2 million refinances have been closed since inception of HARP (Home Affordable Refinance Program) in March of 2009. HARP is setup to assist homeowners who are current on mortga…
This Week in Celebrity Real Estate
02/15/2013
Jessica Simpson Buys Ozzy and Sharon Osbourne’s Former Home Jessica Simpson and husband-to-be Eric Johnson have gone into escrow on the home The Prince of Darkness, Ozzy Osbourne, shared with his wife Sharon. The 11,000 square foot home is located in Hidden Hills, California and was listed at $13…
President Obama Considering Further Expansion of HARP Refinance Program
02/13/2013
President Obama is considering announcing a major expansion of the HARP 2.1 refinancing program in his upcoming State of the Union speech that would make it possible for underwater borrowers whose loans are not held by Fannie Mae or Freddie Mac to refinance at today’s low rates. The Washington Post,…
Saving Your Tax Refund Wisely
02/12/2013
Last week we gave you some tips on ways to spend your tax refund more wisely. Most of these tips involved reducing debt, improving your financial life and planning for retirement. This week we have a few more tips that will help you improve your lifestyle and relieve some stress. Saving for Educa…
Make Your Tax Refund Work For You
02/08/2013
It’s the time of the year where the most eager tax filers are starting to find their tax refund has been delivered to their mailbox or directly deposited to their checking account. The average federal refund has been about $3000 for the last two years, according to TurboTax. That amount of money i…
Hot Features New Home Buyers and Builders Want
02/07/2013
s we’ve written before, the housing forecast looks strong for 2013. There are three strong indicators to look at for new home construction: Building permits authorized for privately-owned housing units hit 866,000 in October 2012, representing a nearly 30% gain from October 2011. Housing starts f…
What’s In Store For The Housing Market in 2013?
01/08/2013
After years of declining property values, foreclosures and tightened lending guidelines the housing market picked up some steam in 2012. Historically low interest rates led to a wave of refinances and new home purchases, values increased slightly and new home construction picked up marginally. Trul…
Odds Are...
11/28/2012
Americans are scrambling to purchase tickets for tonights Powerball drawing as the jackpot surpasses a record breaking $500,000,000. Chuck Strutt, executive director of Multi-State Lottery Association, predicts there's a 60 percent chance there will be at least one winner drawn tonight, as the jack…
Three Mortgage Options for Different Stages in Life
11/27/2012
uying a home is the quintessential American dream and there are many financing options to consider when doing so. Your mortgage needs will change as you enter different phases in life and there are many products suited to these stages. Your First Home With historically low interest rates, young pr…
How to Buy a Short Sale Home
11/15/2012
Low interest rates have home sales really picking up steam lately, but a depressed economy and underwater mortgages have left many struggling homeowners with little option other than a short sale. A short sale is the sale of a property in which the proceeds from the sale fall short of the balance o…
Mortgage Rate Quotes
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Today's Mortgage Rates
| Loans up to $453,100 | Rate* | APR* | Points* |
| 30 Year Fixed | 4.000 | 4.352 | 3.740 |
| 15 Year Fixed | 3.250 | 3.871 | 3.823 |
| 7 Year ARM | 3.125 | 4.447 | 3.713 |
| 5 Year ARM | 2.875 | 4.579 | 3.909 |
| FHA Rates | Rate* | APR* | Points* |
| 30 Year Fixed | 3.750 | 4.625 | 1.804 |
| 15 Year Fixed | 3.750 | 4.636 | 1.009 |
| Veteran Loan Rates | Rate* | APR* | Points* |
| 30 Year Fixed | 3.750 | 4.075 | 2.054 |
| 15 Year Fixed | 3.750 | 4.212 | 1.259 |
| USDA Rates | Rate* | APR* | Points* |
| 30 Year Fixed | 4.250 | 4.591 | -0.275 |
*Rate/APR/Points for $260K loan,
Massachusetts property,
middle credit score 740,
80% LTV, Rates effective 04/24/2018
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Massachusetts property,
middle credit score 740,
80% LTV, Rates effective 04/24/2018
Click for Terms and Conditions
Mortgage Rate Alerts
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