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2022 review

AmeriValue connects you with a network of nearly 250 lenders to help you find the best loan offers possible for mortgages and mortgage refinancing.

6.5 / 10
Editorial Score
Andrew Koopman
Andrew Koopman
Finance Writer
January 6, 2022


AmeriValue is an online mortgage service that connects you with a network of lenders to help you find the best mortgage rates and terms possible. The site is completely free to use, and the online application process takes less than 5 minutes.

Through AmeriValue, you can get offers from lenders who can provide a new mortgage or refinance your existing one. But other than connecting you with a network of nearly 250 potential lenders, AmeriValue has little else to offer. The only service it offers is taking your information and providing it to lenders that offer the loan type you’re looking for.

To give you the most accurate, unbiased information possible, I tested AmeriValue myself and will outline my experience below. My goal with this in-depth review is to answer all of the questions you might have about AmeriValue: from the services offered and what the application process is like, to what you can expect from the lenders.

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6.5 / 10
Editorial Score
Quick view:
Editorial Score
6.5 / 10
Online Services
Applications, Quote management, etc.
5.0 / 10
Customer Service
0.0 / 10
Available in all states
6.2 / 10
Available loan types
7.0 / 10
7.5 / 10

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Products & Services

Mortgage Loans

AmeriValue does not actually offer mortgages itself, nor will it show you a list of offers to compare side by side. Once you run through the application process and provide all of the required information, the company will forward your info to its network of lenders who will then be able to reach out to you via email or phone.

So while AmeriValue is not a direct lender, you will be connected with lenders offering a variety of loan types depending on what you’re looking for. The great thing about using AmeriValue is that your information will only be passed on to lenders that offer what you’re looking for. This way, you won’t have to sift through completely irrelevant offers.

Among the lenders that your information will be forward to, you’ll be able to apply for conventional loans, FHA loans, and VA loans. Depending on the lender and type of loan, you’ll likely need to come up with a down payment of anywhere from 3% to 20% of the purchase price.

While this will also depend on the lenders themselves and not AmeriValue, you should be able to find loan offers that have anywhere from 10-year to 30-year terms and come with either fixed or adjustable rates. The actual rates will vary based on loan type, down payment, lender, and more. So you’ll need to sift through the information from emails and phone calls to find the best offer.

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Mortgage Refinancing

Outside of connecting you with lenders that offer purchase mortgages, AmeriValue also connects you with mortgage refinancing service providers. The process of applying for mortgage refinancing is very similar to a purchase mortgage and is outlined in detail later in this review. But again, AmeriValue does not actually offer anything itself, it just passes your information along to potential lenders.

If you’re looking to refinance, AmeriValue will request the value of your home, the current mortgage balance, and the rate that you’re paying on the existing mortgage. This way, when it passes your information along to lenders, the hope is that you’ll only receive offers from those that are able to offer you better terms and rates. Or else it would all be for naught.

Same as with the mortgage application process, you’ll be connected with lenders that will be able to offer your new terms of 10 to 30 years on loans that come with a fixed rate or an adjustable rate. Additionally when you’re refinancing you can do a cash-out refinance to take advantage of the equity in your home. These values will all need to be verified with the lender that you choose to go with, but estimates for everything are acceptable while applying through AmeriValue.

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Rates and Terms

The rates and terms that you qualify for with the lenders in AmeriValue’s network will depend on the type of loan you’re applying for and your own financial situation. According to the company’s site, offers will depend on verification of your information, your credit history, where the property is located, and any other factors that the lenders deem relevant.

Since AmeriValue does not actually offer you loans or show you offers right away, there are not any rates and terms associated directly with the company. That said, you are able to choose whether you want to receive loan offers that have a fixed rate, an adjustable rate, or either one. Then your information will only be passed on to lenders that offer that type of rate.

Just receiving offers from the lenders that AmeriValue connects you with won’t cost you a penny. That said, once you start working with the actual lenders, you will likely come across some of the standard fees associated with home lending, such as:

  • Origination fee (for all 3 loan types)
  • Appraisal fee
  • Settlement fee
  • Title fee
  • Recording fee

These fees are all relatively small compared to the amount of the loan, and each one may differ slightly from lender to lender. A good rule of thumb for these fees is to assume that they will total between 1% and 3% of the total loan amount.

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Application Process and Qualifications

To test AmeriValue’s application processes, I ran through them myself, first as if I were looking for a mortgage first, then as if I were looking to refinance. Each process requires slightly different information from you, but they both take five minutes or less to complete.

Since the entire process with AmeriValue is done online, you’ll just need to pull the site up on your phone, tablet, or computer and get started. The application form is fairly basic, setup like a questionnaire which doesn’t really ask you for anything too personal or identifiable.

No matter if you’re looking to refinance or to take out a mortgage for a purchase, you don’t need to prepare any verification documents, at least not for the AmeriValue portion of your loan application. The information you’ll need to provide if you’re looking for a mortgage includes basic things such as (in order):

  • Property type
  • Your credit score (estimating is okay)
  • If you’ve found a home
  • Home value (estimating is okay)
  • Down payment amount (estimating is okay)
  • Fixed or adjustable rates
  • If you’ve filed for bankruptcy or been foreclosed on
  • If you have the ability to verify your income
  • Number of late payments in the past year
  • Active or previous military status (for VA loans)
  • Your current address
  • Name
  • Email
  • Phone number

While that list might seem extensive, remember you don’t have to provide any sort of proof or verification. Without having to upload any documents or provide any detailed information, I was able to complete the process in under five minutes.

On the last screen, where you’re prompted for your name, email, and phone number, submitting the application will grant AmeriValue permission to pass your information along to its network of lenders. Once you hit submit, your contact information is forwarded and you won’t be able to stop lenders from constantly reaching out.

Since AmeriValue does not offer loans directly, there are not any real qualifications to get connected with lenders, other than a minimum credit score. When prompted for your credit rating, if you select under 559, the site will immediately end your application and suggest raising your score to at least 680 to get the best rates.

Once lenders start reaching out to you with offers, you’ll need to verify all of your information and deal with any qualifications that the specific lenders require. As for mortgages, the minimum credit score required for an FHA loan is 580. Most lenders will also require you to have a score of at least 620 for other loan types, but that will be up to the lender.

Keep in mind that once you begin working with a lender directly, nothing else from that point on is associated with AmeriValue. You’ll likely need to go through that lender’s entire application process and pay any associated fees, but that is done entirely off-platform and of your own accord.

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Approval Time

And as long as your credit score is above 580 (the minimum for an FHA loan), then you’ll be “approved” by AmeriValue to start receiving phone calls and emails immediately. In many cases, you might even start getting emails and phone calls the very same day, but you should certainly start expecting them to come in within a day or two.

Actual approval time for the mortgages and refinancing loans that you’re looking for will depend entirely on the lender you choose.

Customer Service

When I review a lender, I like to try out as many customer service channels as possible. On most lender websites, you can find live chat, email support, or phone numbers to get in touch with customer service. But with AmeriValue, none of these options exist.

Instead, the only option you have to reach AmeriValue is by filling out and submitting a generic message form that comes up when you click Contact Us. As you can see in the form below, it’s fairly basic and doesn’t have many fields to really dive in and ask anything too specific. Still, I wanted to at least see if the company would get back to me with anything helpful.

Customer Service

I filled out the required contact information and made up a message asking about the minimum required credit score to receive mortgage quotes from the network of lenders. Unfortunately, upon submitting my request, I was immediately bounced to another page with the following message. This same issue occurred every time I tried submitting the form over the course of multiple days.

Customer Service

At first glance, it seems like AmeriValue gives you the option to contact the “Customer Care Team” if the issue persists. I thought, Great! I can get in touch with someone! But sadly, the link to reach the Customer Care Team just takes you back to the same form that led me to the issue in the first place.

So in terms of AmeriValue’s customer service overall, I’d have to say that it’s almost entirely non-existent.


All said and done, AmeriValue is an option for anyone who wants to receive offers from many different lenders in an attempt to get the best rates possible on mortgages and mortgage refinancing. With the simple online application process, you can be done within five minutes and start receiving offers in no time.

The biggest problems with AmeriValue are its limited use and the sheer amount of emails and phone calls you will receive from lenders. Past connecting you with a network of lenders, AmeriValue has little (if anything) else to offer. And once your information is forwarded to the lenders, there’s no stopping the multiple emails and phone calls you’ll receive every day.

To avoid the endless spam that you’re likely to get after using AmeriValue, you may want to consider some other online lenders instead. Loan marketplaces like Credible and LendingTree will connect you with some of the top lenders out there and neither service has a reputation for spamming you with endless offers. Instead, you can compare offers right on the sites.

If you want to get as many offers as possible so that you can find the best rates, then AmeriValue might be worth trying. But if you don’t want to deal with 24/7 phone calls and emails, then a different service might be better suited for you.

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Is AmeriValue legit?

Although it is not accredited or rated by the Better Business Bureau, AmeriValue is a legitimate website that connects you with potential lenders. The company does not claim to do anything more than pass your information along to a network of lenders, and it does exactly that.

Is AmeriValue a direct lender?

No, AmeriValue is not a direct lender. The company does not offer any financing of its own, nor does it present you with any offers associated with itself. It just connects you with lenders that you can work with directly.

Does AmeriValue charge any fees?

No, AmeriValue doesn’t charge any fees to connect you with its network of lenders. This is one of the platform’s biggest pros. Once you start working with a lender, you might have to pay their fees, but those fees are not associated with AmeriValue in any way. Note that you will likely get spammed with emails and phone calls after using the platform (another way that AmeriValue can make money without charging you fees).

Andrew Koopman
Written by
Andrew Koopman

Andrew Koopman is a freelance finance writer. He's written hundreds of articles over the years, specializing in topics such as improving credit, paying off debt, and applying for loans. Andrew graduated from Miami University with a Master's degree in mechanical engineering. He loves watching sports and enjoying the great outdoors with his friends and family.

  • Completely free to sign up and receive mortgage offers
  • The average time to close a loan is 25 days.No hard credit inquiry until you work with an actual lender
  • Offers multiple mortgage types
  • Not an actual lender or mortgage broker
  • Risk of spam emails and phone calls
  • Does nothing more than provide your information to a network of lenders
Bottom Line

AmeriValue can be an option if you’re interested in browsing through mortgage and mortgage refinancing offers from multiple lenders so that you can find the best rates. The site connects you with lenders that offer conventional, FHA, and even VA loans, so there are plenty of options.

All that said, if you sign up, be prepared to receive constant emails and phone calls from lenders, including spam.

AmeriValue is not currently rated with the BBB, but its parent company, LeadPoint, Inc. has a C- rating and is not accredited, which may deter you from wanting to use the platform.