AmeriHome Mortgage
NMHL
Personal Service. Better Options. Faster Closings.
Common AmeriHome Mortgage Complaints
Based on publicly available reviews and borrower feedback
Unwanted Servicing Transfers
AmeriHome acquires loan servicing rights from other lenders, leaving many borrowers with a servicer they never chose and may not prefer. This can lead to confusion and frustration when dealing with a new company.
Customer Service Quality
Some borrowers report difficulty reaching knowledgeable representatives and getting timely resolution to account issues and payment questions. Long wait times and unhelpful responses can exacerbate the problem.
Website Usability Issues
The online portal has been criticized for being difficult to navigate, with limited functionality for managing accounts and accessing documents. Borrowers may struggle to find the information they need or complete tasks efficiently.
Escrow Mismanagement
There are reports of incorrect escrow calculations leading to unexpected payment changes and shortage notices that catch borrowers off guard. This can cause financial stress and require additional time to resolve.
Limited Communication
Some borrowers feel that AmeriHome Mortgage doesn't provide clear or timely communication about their loan status, payment due dates, or other important information. This lack of transparency can lead to missed payments or other issues.
Head-to-Head Comparison
See how NMHL stacks up against AmeriHome Mortgage feature by feature
| Feature | AmeriHome Mortgage | NMHL |
|---|---|---|
| Customer Choice | AmeriHome Mortgage often acquires loan servicing rights, meaning borrowers may not have chosen them as their lender. | NMHL is a lender you choose to work with directly, providing a personal loan officer and responsive customer support from the start. |
| Digital Platform | AmeriHome's online portal has been criticized for being difficult to navigate and limited in functionality. | NMHL offers a modern, intuitive digital platform for managing your mortgage, making payments, uploading documents, and tracking your loan status. |
| Non-QM Programs | AmeriHome Mortgage has limited options for non-qualified mortgage (Non-QM) borrowers. | NMHL specializes in helping underserved borrowers, including those with bad credit, self-employed individuals, and first-time buyers, through our Non-QM programs. |
| Personalized Support | Some borrowers report difficulty reaching knowledgeable representatives at AmeriHome Mortgage. | NMHL provides dedicated personal loan officers who are responsive to your needs and available to answer questions throughout the mortgage process. |
| Purchase and Refinance Options | AmeriHome Mortgage offers both purchase and refinance options, but may have stricter credit requirements. | NMHL offers competitive purchase and refinance options, including programs for borrowers with less-than-perfect credit or unique financial situations. |
| Escrow Management | undefined | NMHL prioritizes accurate escrow calculations to prevent unexpected payment changes or shortages, providing more financial stability for our borrowers. |
Why Borrowers Switch to NMHL
Choose Your Lender
Refinancing with NMHL means choosing a lender that earns your business every day, rather than being assigned a servicer without your input.
Better Support
NMHL provides direct access to knowledgeable professionals who can answer your questions and resolve issues on the first call, improving your overall lending experience.
More Flexible Programs
NMHL's Non-QM programs and flexible underwriting can help borrowers who may not qualify with traditional lenders like AmeriHome Mortgage.
Streamlined Digital Experience
NMHL's modern digital platform makes managing your mortgage simple, intuitive, and frustration-free, addressing usability issues reported with AmeriHome's portal.
How to Switch to NMHL
Three simple steps to a better mortgage experience
Free Consultation
Talk to an NMHL loan officer about your current AmeriHome loan and explore whether refinancing makes financial sense for your situation.
Pre-Approval
Get pre-approved for an NMHL mortgage, which involves a soft credit check and provides an initial loan approval.
Lock Your Rate
If the numbers work, we lock your refinance rate and begin a smooth transition to a lender you actually chose.
Close & Save
Complete your refinance and start a mortgage relationship built on your choice and satisfaction, potentially saving money through a lower interest rate or improved loan terms.
Why Homeowners Switch to NMHL
Real reviews from clients who made the switch
Ready to Make the Switch?
Start your application with NMHL in minutes
Our Presence
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AmeriHome Mortgage vs NMHL: Understanding Your Options
When considering a mortgage lender, it's essential to evaluate your options carefully. AmeriHome Mortgage and National Mortgage Home Loans (NMHL) are two distinct companies with different approaches to serving borrowers. AmeriHome Mortgage is known for acquiring loan servicing rights, which can sometimes result in borrowers being assigned a servicer without their input. In contrast, NMHL is a lender you choose to work with directly, providing a more personalized experience.
NMHL specializes in helping underserved borrowers, including those with bad credit, self-employed individuals, and first-time buyers. Our Non-QM programs and flexible underwriting can provide more opportunities for borrowers who may not qualify with traditional lenders.
Choose a lender that puts you first, not one assigned without your input.
Key Differences in Customer Experience
The customer experience is a critical aspect of any mortgage lender. AmeriHome Mortgage has faced criticism for its customer service, with some borrowers reporting difficulty reaching knowledgeable representatives and getting timely resolution to account issues. In contrast, NMHL prioritizes responsive customer support, providing dedicated personal loan officers who are available to answer questions throughout the mortgage process.
- Direct access to knowledgeable loan officers
- Responsive support for account inquiries
- A modern digital platform for managing your mortgage
Experience the difference with NMHL's personalized support and streamlined digital platform.
Refinancing Away from AmeriHome Mortgage
If you're currently with AmeriHome Mortgage and considering refinancing, NMHL is here to help. Our loan officers will evaluate your current loan and determine if refinancing can save you money or improve your lending experience. We offer competitive refinance options, including programs for borrowers with less-than-perfect credit or unique financial situations.
Refinancing with NMHL means choosing a lender that earns your business every day, rather than being assigned a servicer without your input. You'll have direct access to knowledgeable professionals who can answer your questions and resolve issues on the first call.
Take control of your mortgage by choosing a lender that puts you first.
Why Choose NMHL for Your Mortgage Needs
NMHL stands out in the mortgage industry by providing a more personalized and flexible lending experience. Our specialization in helping underserved borrowers means we offer more opportunities for those who may not qualify with traditional lenders. With NMHL, you can expect:
- A personal loan officer dedicated to your needs
- A modern, intuitive digital platform for managing your mortgage
- Flexible programs for borrowers with unique financial situations
Whether you're a first-time buyer, self-employed, or have faced financial challenges in the past, NMHL is here to help you achieve your homeownership goals.
Discover a mortgage lender that understands and meets your unique needs.
Frequently Asked Questions
Common questions about switching from AmeriHome Mortgage to NMHL
Frequently Asked Questions
The primary difference lies in the borrower-lender relationship. NMHL is a lender you choose to work with directly, providing a personal loan officer and responsive customer support. AmeriHome Mortgage, on the other hand, often acquires loan servicing rights, meaning borrowers may not have chosen them as their lender. NMHL also specializes in helping underserved borrowers through Non-QM programs.
Yes, you can refinance your AmeriHome Mortgage loan with NMHL. Our loan officers will evaluate your current loan and determine if refinancing can save you money or improve your lending experience. We offer competitive refinance options, including programs for borrowers with less-than-perfect credit.
NMHL's digital platform is designed to be modern, intuitive, and user-friendly, allowing borrowers to manage their mortgage, make payments, upload documents, and track their loan status efficiently. In contrast, AmeriHome's online portal has been criticized for being difficult to navigate and limited in functionality.
Switching to NMHL can provide several benefits, including the ability to choose your lender, access to dedicated personal loan officers, and a more streamlined digital experience. NMHL also offers flexible programs for underserved borrowers, such as Non-QM loans, which may not be available through AmeriHome Mortgage.
Refinancing involves closing costs, but these are often offset by a lower interest rate, reduced monthly payments, or both. An NMHL loan officer will provide a clear breakeven analysis showing exactly when the savings from your new loan exceed the cost of refinancing. If it doesn't make financial sense, we will tell you honestly.
All competitor information is based on publicly available data and customer reviews as of the date of publication. AmeriHome Mortgage is a registered trademark of its respective owner. NMHL is not affiliated with, endorsed by, or sponsored by AmeriHome Mortgage. Rates, terms, and program availability are subject to change without notice and may vary based on creditworthiness, property type, and other factors. This comparison is provided for informational purposes only and does not constitute financial advice. Contact NMHL for current rates and personalized loan options. NMHL NMLS# 2557591. Equal Housing Lender.