Awhile back I posted a negative review of Amerisave. They had not paid my county taxes at the time and I had spoken with someone that was less than helpful regarding this. The issue has since been resolved and they agreed to pay the late fees. Also in hindsight while there were other things that didn't please me, I can understand that all mtg companies are swamped at this time and I'll attribute the delays etc. to that fact. All things considered, even with basically only social security income to qualify me, they did get the job done and I got better rate. You'll be OK choosing Amerisave.