I applied for a Mortgage refinance through Amerisave. After paying the nonrefundable deposit to start the process, we got started on the paperwork. We exchanged paperwork for 6 months which included 2 appraisals and many duplicate paper work including tax returns, bank account records etc. I have a credit score of 787, the house appraised for 2 1/2 times the amount of the loan, have a job that pays over twice the loan amount, and have an average bank account balance of 3/4 the amount of the loan and no consumer debt or car payment. I wa... read full review »