I opened a loan application with Amerisave. After 60 days, after rates had gone way up, they changed my loan type based on a policy that I have never seen, but that cost me the rates I needed to refinance and I ended up with no loan, and costs of almost $500 that they would not refund, due to this unseen policy. I opened a Better Business Bureau complaint, and they only stood behind their statement that they followed their internal policy. Lame and bad business.