Amerisave's Teresa Lykstad told me the loan was approved and would settle with a month. I then received a notice of denial by email from Michael Capell. Mr. Capell told me it was the system that kicked out my loan because of the 30 days it was supposed to close in and that Teresa would call me. I emailed her the next day because she did not call me. She emailed, " There is a debt to income issue. Therefore they sent the file back to me. I am trying to work it out. I will be working on your file this weekend to see what I can do with... read full review »