Amerisave Mortgage practices the worst form of Bait and Switch. They advertise low rates. Draw you in with an online application process and then get you to front money for credit report and appraisal fees. after that they jerk you around and try to get you to pay a much higher rate. If you refuse, then they say oh we cannot approve the loan we told you that were were pre-approved for. Their scam is that they take in lots of applications on the promise of low rates, but then if rates in the general mortgage market don't drop, they... read full review »