- Credit Journey Terms and Conditions
- Express Written Consent to Call & Text
- Consent to Obtain Credit Report
- Consent for Electronic Disclosures
- Privacy / Consent to Share
“AmeriSave” means AmeriSave Mortgage Corporation and its subsidiaries and affiliates (including, but not limited to, AmeriSave Realty LLC, AmeriSave Insurance LLC).
“Applications” and/or “Content” refer to any file, device or software that can be downloaded by you to either a computer or a wireless device such as a handset or a personal digital assistant.
“MyAmeriSave” means the recurring service in which you enroll either independently or in connection with your loan prequalification request or loan application request with AmeriSave.
“MyAmeriSave Personalized Offers and Rate Alerts” is a recurring service where SMS messages (also called “text messages”) and/or MMS messages (also called “multimedia messages”), containing notifications for select AmeriSave events, are sent by AmeriSave via automated means, which may include the use of an autodialer, to your mobile device.
“Service” means the AmeriSave My AmeriSave Personalized Offers and Rate Alerts and any associated Abbreviated Dial Code, Applications or Content.
“We,” “our,” “us” and “provider” refers to AmeriSave, as well as any other person or entity providing any Service, Applications or Content to you from us or on our behalf.
“You” means the person or entity who has requested a loan prequalification, loan application, or who signs up to participate in, or uses in any way, MyAmeriSave, including the MyAmeriSave Personalized Offers and Rate Alerts.
This Site and related services are provided subject to your compliance with the terms and conditions set forth below (“Terms and Conditions”). Please read the following information carefully.
YOUR CONTINUED USE OF THIS SITE WILL INDICATE YOUR WILLINGNESS TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THIS SITE.
Restrictions on Use. All pages within this Website and any material made available for download (collectively the “Site”) are the property of AmeriSave Mortgage Corporation (“AmeriSave”) and/or its affiliates. The Site is protected by federal and international copyright and trademark laws. No portion of the materials on these pages may be reprinted, republished, modified, or distributed in any form without the express written permission of AmeriSave. You shall keep intact any proprietary notices, including copyright notices, contained on any downloaded materials and shall comply with any applicable end user license agreements.
Any rights not expressly granted by these Terms and Conditions or any applicable end user license agreements are reserved by AmeriSave.
Copyright and Trademark Notice. All material on this Site is ©2024 AmeriSave Mortgage Corporation. All rights reserved. “AmeriSave Mortgage Corporation,” “AmeriSave,” and “AmeriSave.com,” are the logos, trademarks, and service marks of AmeriSave. All other trademarks, service marks and logos used in this Site are the trademarks, service marks, or logos of their respective owners.
Warranty Disclaimer. THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SITE-RELATED SERVICE, IS PROVIDED “AS IS,” WITH ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE, SITE- RELATED SERVICES, AND HYPERLINKED WEBSITES.
AMERISAVE, ITS AFFILIATES, AND ITS SPONSORS ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE, SITE-RELATED SERVICES, CONTENT OR INFORMATION CONTAINED WITHIN THE SITE, AND/OR ANY HYPERLINKED WEBSITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE, SITE-RELATED SERVICES, AND/OR HYPERLINKED WEBSITES IS TO STOP USING THE SITE AND/OR THOSE SERVICES.
Although AmeriSave attempts to ensure the integrity and accurateness of the Site, it makes no guarantees whatsoever as to the correctness or accuracy of the Site. It is possible that the Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. In the event that an inaccuracy arises, please inform AmeriSave so that it can be corrected. Information contained on the Site may be changed or updated without notice.
Links or Pointers to Other Sites. AmeriSave makes no representations whatsoever about any other Website that you may access though this Site. When you access a non-AmeriSave Website, please understand that it is independent from AmeriSave, and that AmeriSave has no control over the content on that Website. In addition, a hyperlink to a non-AmeriSave Website does not mean that AmeriSave endorses or accepts any responsibility for the content, or the use, of the linked site. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature.
Choice of Law and Venue. These Terms and Conditions are entered into in the State of Georgia and shall be governed by and construed in accordance with the laws of the State of Georgia, exclusive of its choice of law rules. Each party to these Terms and Conditions submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Fulton in the State of Georgia, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce these Terms and Conditions, the prevailing party will be entitled to costs and attorney’s fees. In the event that any of the Terms and Conditions are held by a court or other tribunal of competent jurisdiction to be unenforceable, those provisions shall be limited or eliminated to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect.
No Unlawful or Prohibited Purpose. As a condition of your use of this Site, you warrant to AmeriSave that you will not use the Site for any purpose that is unlawful or prohibited by these Terms and Conditions.
You must be 18 years or older in order to participate in MyAmeriSave. By signing-up for MyAmeriSave and otherwise using the Service provided by us, you have expressly agreed to be bound by the terms and conditions herein (“Agreement”). If you do not consent to the terms of this Agreement, you must immediately cease using the Services that you have received and contact us as provided below.
You should print or store a copy of this Agreement for your records, as well as any Disclosure that is important to you. In order to do so, you must have a SSL-enabled web browser and capability to print or store Disclosures.
Credit Journey Terms and Conditions
If you have signed up for the MyAmeriSave Credit Monitoring services, the following terms and conditions apply:
- WRITTEN INSTRUCTIONS FOR CREDIT EDUCATION SERVICES.
WHO MAY USE – (a) You agree that You will use My AmeriSave Credit Monitoring only for your own behalf. You will be responsible for all use of your membership number and must notify AmeriSave immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number. (b) You understand that by enrolling in the My AmeriSave service, You are providing “written instructions” in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”), for AmeriSave and its service providers, which may include CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian, Equifax, and Transunion, the three major credit reporting agencies. You authorize AmeriSave and its service providers to use your Social Security number to access your personal credit profile, to verify your identity, and to provide credit monitoring, reporting and scoring products.
- DISPUTE RESOLUTION BY BINDING ARBITRATION
PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.
MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER’S SATISFACTION BY CALLING CUSTOMER SERVICE AT 1-833-533-1836. IN THE UNLIKELY EVENT THAT CUSTOMER SERVICE IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE WITH AmeriSave OR AmeriSave’S SERVICE PROVIDER(S) TO YOUR SATISFACTION (OR IF AmeriSave AND/OR AmeriSave’s SERVICE PROVIDER(S) HAVE NOT BEEN ABLE TO RESOLVE A DISPUTE WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), YOU, ON THE ONE HAND, AND AmeriSave AND/OR AmeriSave’S SERVICE PROVIDER(S), ON THE OTHER, EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. WE WILL PAY ALL COSTS OF ARBITRATION, NO MATTER WHO WINS, SO LONG AS YOUR CLAIM IS NOT FRIVOLOUS. HOWEVER, IN ARBITRATION, YOU, ON THE ONE HAND, AND AmeriSave AND/OR AmeriSave’s SERVICE PROVIDER(S), ON THE OTHER, WOULD BE ENTITLED TO RECOVER ATTORNEYS’ FEES FROM EACH OTHER PARTY TO THE SAME EXTENT AS YOU AND THEY WOULD BE IN COURT.
Arbitration Agreement: You, on the one hand, and AmeriSave and/or AmeriSave’s service provider(s), on the other, agree that any claim or dispute (“Claim”) between us shall, at the election of any one of us, be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its rules for consumer arbitrations. It is the parties’ intent that this arbitration provision be construed broadly, including that this arbitration agreement include any Claims by You against Client or Client’s service provider(s) as well as their respective corporate affiliates for claims arising out of this Agreement directly related to the services or product/service websites. However, any disputes or claims you may have which relate to your credit report, or any claims arising out of or relating to the Fair Credit Reporting Act (“FCRA”) and/or the FCRA’s state law equivalent(s), are not subject to or governed by this agreement to arbitrate. You agree that, by entering into this Agreement, You, AmeriSave and AmeriSave’s service provider(s) are each waiving the right to a trial by jury or to participate in a class action. At your request, we will promptly reimburse you for your payment of your arbitration filing fee. (The filing fee currently is $200 for claims under $10,000 but is subject to change by the arbitration provider. If you are unable to pay this fee, we will pay it directly after receiving a written request). The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual Claim. YOU, ON ONE HAND, AND AmeriSave AND/OR AmeriSave’s SERVICE PROVIDER(S), ON THE OTHER, AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless You, on one hand, and AmeriSave and/or AmeriSave’s service provider(s), on the other agree otherwise, the arbitrator may not consolidate more than one person’s Claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision in the preceding sentence is found to be unenforceable, then the entirety of this arbitration provision in this Section [_] shall be null and void. Notwithstanding any of the foregoing provisions, any party may bring an individual action in small claims court. The parties to this Agreement acknowledge that this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this Section [_] shall survive any termination, cancellation or expiration of this Agreement.
LIABILITY – NEITHER AmeriSave, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF: YOUR PERSONAL CREDIT REPORT, CREDIT ALERT REPORT, QUARTERLY UPDATE, OR CREDIT SCORE. NEITHER AmeriSave, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR CREDIT INFORMATION SUBCONTRACTORS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY OF THE INFORMATION CONTAINED IN OR PROVIDED IN CONJUNCTION WITH THE My AmeriSave Credit Monitoring SERVICE. NEITHER AmeriSave, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES ASSUME ANY LIABILITY FOR DAMAGES, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, IN CONNECTION WITH THE PERFORMANCE OF THE SERVICES OR YOUR REQUEST, USE OR ATTEMPTED USE OF THE SERVICES. NEITHER AmeriSave, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR CREDIT INFORMATION SUBCONTRACTORS ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU IN ANY EVENT IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID AmeriSave FOR YOUR MEMBERSHIP. My AmeriSave Credit Monitoring IS NOT A CREDIT COUNSELING SERVICE AND DOES NOT PROMISE TO HELP YOU OBTAIN A LOAN OR IMPROVE YOUR CREDIT RECORD, HISTORY, OR RATING. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, CANCELLATION, OR EXPIRATION OF THIS AGREEMENT.
- SCORE DISCLOSURES
VANTAGESCORE 3.0 CREDIT SCORE
VantageScore® 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you’ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So, your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that’s different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender’s score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
- INSURANCE DISCLOSURES The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
Express Written Consent to Call & Text
By submitting your phone number and proceeding to next step, or by otherwise enrolling in My AmeriSave (whether directly or in conjunction with submitting a request for prequalification or rate quotes) and maintaining such enrollment, you agree and consent that AmeriSave may deliver calls or text messages to you, including for marketing purposes, using an automatic telephone dialing system or prerecorded messages to the phone number you have provided to us. You understand that, based on your relationship with Amerisave through your enrollment in My AmeriSave, you are consenting to receive such telephone calls even if your telephone number is currently listed on any federal, state or internal “Do-Not-Call” list. You are not required to maintain this consent to receive telephone communications as a condition of your enrollment in My AmeriSave. You may opt out of receiving telephone calls and texts from AmeriSave at any time by engaging in any of the following reasonable means: (1) notifying an AmeriSave customer service representative that you no longer wish to be contacted by AmeriSave and are revoking your consent to be contacted; or (2) responding with the keyword STOP to any SMS, mobile, or text message you receive from AmeriSave in accordance with the express written instructions of that particular messaging program.
You are not required to provide this authorization and agreement to receive calls and texts as a condition to obtaining an AmeriSave home loan. You can also call us at 800.777.9609.
How do I opt in. You can start receiving AmeriSave’s My AmeriSave Personalized Offers and Rate Alerts again by sending the text START or any other message to the short code 990099, email firstname.lastname@example.org or call 1-888-700-4026.
Is it free. Although AmeriSave does not charge you for sending or receiving text messages to 990099, you may be charged by your carrier depending upon your text plan.
What if I don’t want to receive any more SMS/MMS promotional messages. To stop receiving only AmeriSave Personalized Offers and Rate Alerts, simply text STOP to the short code 990099, email email@example.com or call 1-888-700-4026. After doing so, you will receive confirmation of your opt-out, and thereafter, you will no longer receive any AmeriSave messages.
What if I want to opt back in. You can start receiving AmeriSave’s My AmeriSave Personalized Offers and Rate Alerts again by sending the text START to the short code 990099, email firstname.lastname@example.org or call 1-888-700-4026.
What if I want more info. To request more info, simply text HELP to the short code 990099, email email@example.com or call 1-888-700-4026.
Commands. STOP: At any time you can text STOP to the short code 990099. This will prevent you from receiving any future AmeriSave Personalized Offers and Rate Alerts. HELP: At any time you can text HELP to the short code 990099.
Consent to Obtain Credit Report
You understand that by consenting and proceeding with your prequalification request, you are providing written instructions to AmeriSave Mortgage Corporation under the Fair Credit Reporting Act authorizing AmeriSave Mortgage Corporation to obtain information from my/our personal credit file(s) or other information from consumer reporting agencies such as Experian, Equifax and/or TransUnion. I/We authorize AmeriSave Mortgage Corporation to obtain such information solely to pre-qualify me/us for residential mortgage options. This authorization applies to all parties for which information has been provided.
Consent for Electronic Disclosures
You are submitting an online mortgage pre-qualification request and/or mortgage application (“Mortgage Request”) to AmeriSave. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving disclosures, notices, information, and communications (“Disclosures”) from AmeriSave. By completing and submitting a Mortgage Request through us, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures. Your consent applies to the current Mortgage Request and to all other communications and transactions between you and AmeriSave. Your consent to receive electronic Disclosures includes, but is not limited to:
- Loan Application
- All legal and regulatory disclosures and communications associated with your Mortgage Request or your actual mortgage loan, including those disclosures required by the Real Estate Settlement Procedures Act, the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, and the Mortgage Disclosure Improvement Act.
- Disclosures relating to the credit decision.
- Other communications relating to processing, underwriting, closing, and servicing of your requested loan.
Electronic Disclosures. All Disclosures we provide to you in electronic form will be provided either: (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose, or (4) by requesting you download a PDF file containing the Disclosure.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need a hardware device, such as a personal computer (PC) or other similar Internet device that can access the Internet via modem or other form of connection. Your hardware device must run on an appropriate operating system, such as Microsoft® Windows XP or above, Mac OS X (10.0) or above, or Linux/UNIX. You must contract with an Internet service provider (ISP) in order to be able to connect to the Internet. You must use any hardware or software required by your ISP. Additionally, internet browser software such as Microsoft® Edge®, Mozilla® Firefox® 3.x or above, or Apple® Safari® 3.x or above is required to access these documents and Disclosures from a personal computer. Your Internet browser software must be able to use 128-bit encryption. To retain Disclosures for future reference, you will need a printer or a long-term storage device, such as your computer’s disk drive. We strongly encourage you to retain Disclosures provided during this application process.
Withdrawing Consent. This consent applies to the current Mortgage Request and to all other communications and transactions between you and AmeriSave Mortgage Corporation. You understand that you may not withdraw consent as to the Disclosures we will provide to you at this time with your Mortgage Request. You may withdraw your consent to receive future Disclosures electronically at no cost to you by contacting us at: AmeriSave Mortgage Corporation, ATTN: Customer Service, 1200 Altmore Avenue, Building 2 – Suite 300, Sandy Springs, GA 30342. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected. Any withdrawal of your consent to receive electronic Disclosures will be effective only after we have a reasonable period of time to process your withdrawal.
Changes to Your Contact Information. It is your responsibility to keep us informed of any change in your electronic or mailing address. You may write to AmeriSave Mortgage Corporation, ATTN: Customer Service, 1200 Altmore Avenue, Building 2 – Suite 300, Sandy Springs, GA 30342 regarding any such changes.
Requesting Paper Copies. We will not send you a paper copy of any Disclosure unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an Electronic Disclosure by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Disclosure to you. To request a paper copy, you may write to us at: AmeriSave Mortgage Corporation, ATTN: Customer Service, 1200 Altmore Avenue, Building 2 – Suite 300, Sandy Springs, GA 30342 with the details of your request. Paper copies will be provided to you at no charge.
Federal Law. You acknowledge and agree that your consent to electronic Disclosures is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
Termination/Changes. We reserve the right, at our sole discretion, to discontinue your electronic Disclosures, or to terminate or change the terms and conditions on which we provide electronic Disclosures. We will provide you with notice of any such termination or change as required by law.
Privacy / Consent to Share