I was in the process of refinancing my mortgage and looking for the BEST rates available. I already was about to close with another lender when I saw an AD for amerisave. I took a look at it and contacted amerisave and began asking questions. I spoke with a gentleman with the initials HM (name not disclosed for privacy) there from the start. From April 20-23, I have 43 emails in my INBOX from HM. The very first one starts with this question I asked: "A bank gave me a new refi offer of 4.375%, $2263 monthly total with... read full review »