- 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
- 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
- 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
- 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
- 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)
- 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
- First Time Investors to 75% LTV
- 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
REVISED: September 9, 2024
LICENSING
©2024 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; 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; Nevada Mortgage Lender License 4619; New Mexico Mortgage Loan Company License #176724; New Jersey Residential Mortgage License; North Carolina Mortgage Lender License L-164875; 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; 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; District of Columbia Mortgage Dual Authority License #MLB176724.
STATE LICENSING DETAILS
- Alabama Consumer Credit License #23497
- Arizona Mortgage Banker License #BK 0937856
- Arkansas – Combination Mortgage-Banker-Broker-Servicer License #119499
- California – DBO Residential Mortgage Lending Act License #41DBO-102821
- Colorado Mortgage Company Registration
- Connecticut Mortgage Lender License ML-176724
- D.C. Dual Authority 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
- Kentucky – Loan Originator License MC857730
- Louisiana – 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
- Nevada Mortgage Lender License 4619
- New Jersey Residential Mortgage License
- New Mexico Mortgage Loan Company License #176724
- North Carolina Mortgage Lender License L-164875
- 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
- Tennessee Mortgage License #181409
- Texas SML Mortgage Company License
- 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.”
- Figure: 7 TAC §80.200(b)
- 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
- Alabama
- Arizona
- Alaska
- Arkansas
- California
- Colorado
- Connecticut
- D.C.
- Delaware
- Florida
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-
Kansas
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Louisiana - Maine
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-
Minnesota
Mississippi - Montana
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