ACC LOAN PRODUCTS
building
  • Loan Amounts to $3,500,000
  • Cash-Out to $1,000,000
  • Up to 80% LTV
  • No Income on 1003
  • 640 Minimum Score
  • Seller Concessions up to 6%
  • Reserves: 2 Months for Loan Amounts up to $1,500,000
  • ITIN Borrowers Eligible
home_tree
  • Up to 85% LTV
  • Doc Type: Full Doc, Bank Statements (12 months), 1099 or P&L Only (12 months)
  • Credit Scores down to 620 and
    No Score allowed
  • Only 1 Year Self-Employment
  • DSCR Investment Properties Allowed
product_bank
  • Up to 90% LTV in Select Markets
  • 12-24 Month Bank Statement Program with Personal or Business Bank Statements
  • Choose from 3 Different Expense Factor Methods
  • Prime, Prime Plus and Second Chance Programs
  • Loan Amounts Up To $3 Million
product_money
  • Qualified Assets can be Comprised of and Utilized (%) to calculate income:
  • Checking, Savings and Money Market accounts (100%)
  • Personally Held Stocks (70%)
  • Bonds (70%)
  • Mutual Funds (70%)
  • Vested Amount of Retirement/Tax Deferred accounts (70%)
  • Six-Month Seasoning of all Assets is Required
product_building
  • Up To 85% LTV
  • 620 Minimum Credit Score
  • Seller Concessions up to 6%
  • Loan Amounts up to $3,000,000
  • Full Doc, Bank Statements, P&L Only and 1099
  • Bankruptcy, Foreclosure And Short Sales (Seasoning 24 Months with No Seasoning at Lower LTV's)
product_bank
  • Up to 90% LTV
  • 660 Minimum Score
  • Seller Concessions up to 6%
  • Up to 55% DTI - All Doc Types
  • Loan Amounts up to $4,000,000 Million
  • Full Doc, Bank Statements, 1099, P&L Only and Asset Depletion
  • Primary, Second Homes & Investment Properties
building
  • Loan Amounts up to $1.5MM
  • Credit Scores as low as 620
  • No Score Allowed
  • 1 Year Self-Employment
  • Seasoning Less than 2 Years Bankruptcy, Foreclosure and Short Sale on a case by case basis
  • Up to 80% LTV Purchase/Rate-Term & 75% LTV Cash Out
  • Up to 85% LTV ITIN
    Full Doc, Bank Statement, P&L Only
    and 1099
  • Cannabis Income Eligible (In states where cannabis has been legalized)

WHERE WE ARE LICENSED

Mouse over map for licensing info

ORANGE = PENDING  GREEN = LICENSED  BLUE = DSCR ONLY
west midwest east

REVISED:  January 12, 2025

 

LICENSING

©2025 All Credit Considered Mortgage, Inc. d/b/a ACC Mortgage, Inc.; All Credit Considered Mortgage, Incorporated d/b/a The Micro Loan Store; Retention Mortgage; Retention Mortgage Company · NMLS ID 176724 · 1801 Research Blvd., Suite 410, Rockville, MD  20850 · (877) 349-0501.  Not all loan programs are available in all areas.  Program restrictions may apply.  All rights reserved.  This is not an offer or extension of credit or a commitment to lend.  Licenses are held as follows:  Alabama Consumer Credit License #23497; Arkansas combination Mortgage-Banker-Broker-Servicer License #119499; Licensed by the Department of Financial Protection and Innovation, under the California Residential mortgage Lending Act License #41DBO-102821; Connecticut Mortgage Lender License ML-176724; Washington D.C. License #MLB176724;Delaware Lender License #020786 ; Florida Mortgage Lender Servicer #MLD953; Georgia Mortgage Lender License #46424; Idaho Mortgage Broker/Lender License #MBL-2080176724; Illinois Residential Mortgage License MB.6761111; Indiana-DFI Mortgage Lending License #40794; Iowa Mortgage Banker License #2024-0199 & #2024-0205; Kansas Mortgage Company License MC.0025574; Kentucky Loan Originator License MC857730; Louisiana Residential Mortgage Lending License; Maryland Mortgage Lender License #6625; Michigan 1st Mortgage Broker/Lender License #FL0022183; Minnesota Residential Mortgage Originator License # MN-MO-176724; Mississippi Mortgage Lender License 176724; Montana Mortgage Lender License #176724; Licensed Nebraska Mortgage Banker; New Hampshire Mortgage Banker License #176724MB; Nevada Mortgage Lender License 4619; New Mexico Mortgage Loan Company License #176724; New Jersey Residential Mortgage License; North Carolina Mortgage Lender License L-164875; North Dakota Residential Mortgage Lender License #ML 104913; Ohio Mortgage Loan Originator License #MLO-OH.177088; Oklahoma Mortgage Lender License #ML012740; Oregon Mortgage Lending License #ML-5825; Pennsylvania Mortgage Lender License 51566; South Carolina-BFI Mortgage Lender/Servicer License MLS-176724; South Dakota Mortgage Lender License #176724.ML; Tennessee Mortgage License #181409; Texas SML Mortgage Company License; Utah-DFI Residential First Mortgage Notification; Virginia Lender Licensed by the Virginia State Corporate Commission as MC-1856; Washington Consumer Loan Company License #CL-176724; West Virginia Mortgage Lender License #ML-4957; Wyoming Mortgage Lender/Broker License #5502; District of Columbia Mortgage Dual Authority License #MLB176724.

 

STATE LICENSING DETAILS

  1. Alabama – Consumer Credit License #23497
  2. ArizonaMortgage Banker License #BK 0937856
  3. Arkansas – Combination Mortgage-Banker-Broker-Servicer License #119499
  4. California – DBO Residential Mortgage Lending Act License #41DBO-102821 
  5. ColoradoMortgage Company Registration  
  6. ConnecticutMortgage Lender License ML-176724
  7. D.C.Dual Authority License #MLB176724
  8. DelawareLender License #020786 
  9. FloridaMortgage Lender Servicer #MLD953 
  10. GeorgiaMortgage Lender License #46424
  11. IdahoMortgage Broker/Lender License #MBL-2080176724
  12. IllinoisResidential Mortgage License MB.6761111
  13. Indiana – DFI Mortgage Lending License #40794
  14. Iowa – Mortgage Banker License #2024-0199
  15. Kansas – Mortgage Company License MC.0025574
  16. Kentucky – Loan Originator License MC857730
  17. Louisiana – Louisiana Residential Mortgage Lending License
  18. MarylandMortgage Lender License #6625
  19. Michigan1st Mortgage Broker/Lender License #FL0022183
  20. MinnesotaResidential Mortgage Originator License # MN-MO-176724
  21. Mississippi – Mortgage Lender License 176724
  22. Montana – Mortgage Lender License #176724
  23. Nebraska – Licensed Nebraska Mortgage Banker
  24. New Hampshire – Mortgage Banker License #176724MB
  25. NevadaMortgage Lender License 4619 
  26. New JerseyResidential Mortgage License
  27. New Mexico – Mortgage Loan Company License #176724
  28. North CarolinaMortgage Lender License L-164875 
  29. North Dakota – Residential Mortgage Lender License #ML 104913
  30. Ohio – Mortgage Loan Originator License #MLO-OH.177088
  31. Oklahoma – Mortgage Lender License #ML012740
  32. Oregon – Mortgage Lending License #ML-5825
  33. Pennsylvania – Mortgage Lender License 51566
  34. South Carolina – BFI Mortgage Lender/Servicer License MLS-176724
  35. South Dakota – Mortgage Lender License #176724.ML
  36. Tennessee – Mortgage License #181409
  37. Texas – SML Mortgage Company License
    1. Figure: 7 TAC §80.200(b)

      “Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.”

  38. Utah – DFI Residential First Mortgage Notification
  39. Virginia – Lender Licensed by the Virginia State Corporate Commission as MC-1856
  40. Washington – Consumer Loan Company License #CL-176724
  41. West Virginia – Mortgage Lender License #ML-4957
  42. Wyoming – Mortgage Lender/Broker License #5502
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