ACC LOAN PRODUCTS
building
  • Loan Amounts to $2,500,000
  • Cash-Out to $1,000,000
  • Up to 80% LTV
  • 620 Minimum Score
  • No Income on 1003
  • First Time Investor to 75% LTV
home_tree
  • Up to 80% LTV
  • Valid Government Photo and ITIN Card or IRS Letter
  • 50% Minimum Down from Borrower. Gift Funds Eligible.
  • 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
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 80% LTV
  • 620 Minimum Credit Score
  • Loan Amounts up to $3,000,000
  • Full Doc, Bank Statements and 1099 Income Documentation
  • Bankruptcy, Foreclosure And Short Sales (Seasoning 24 Months with No Seasoning at Lower LTV's)
product_bank
  • Up to 90% LTV
  • 660 Minimum Score
  • Loan Amounts up to $3,500,000 Million
  • Full Doc, Bank Statements, 1099, P&L Only and Asset Depletion
  • Primary, Second Homes & Investment Properties
  • First Time Investors to 75% LTV
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 80% 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
west midwest east

REVISED:  January 2, 2024

LICENSING

© 2024 All Credit Considered Mortgage, Inc. d/b/a ACC Mortgage · 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; 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; 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

  1. Alabama Consumer Credit License #23497
  2. Arizona Mortgage Banker License #BK 0937856
  3. Arkansas – Combination Mortgage-Banker-Broker-Servicer License #119499
  4. California – DBO Residential Mortgage Lending Act License #41DBO-102821 
  5. Colorado Mortgage Company Registration  
  6. Connecticut Mortgage Lender License ML-176724
  7. D.C. Dual Authority License #MLB176724
  8. Delaware Lender License #020786 
  9. Florida Mortgage Lender Servicer #MLD953 
  10. Georgia Mortgage Lender License #46424
  11. Idaho Mortgage Broker/Lender License #MBL-2080176724
  12. Illinois Residential Mortgage License MB.6761111
  13. Indiana – DFI Mortgage Lending License #40794
  14. Louisiana – Louisiana Residential Mortgage Lending License
  15. Maryland Mortgage Lender License #6625
  16. Michigan 1st Mortgage Broker/Lender License #FL0022183
  17. Minnesota Residential Mortgage Originator License # MN-MO-176724
  18. Mississippi Mortgage Lender License 176724
  19. Nevada Mortgage Lender License 4619  
  20. New Jersey Residential Mortgage License
  21. North Carolina Mortgage Lender License L-164875 
  22. Ohio Mortgage Loan Originator License #MLO-OH.177088
  23. Oklahoma Mortgage Lender License #ML012740
  24. Oregon Mortgage Lending License #ML-5825
  25. Pennsylvania Mortgage Lender License 51566
  26. South Carolina – BFI Mortgage Lender/Servicer License MLS-176724
  27. Tennessee Mortgage License #181409
  28. 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.”
  29. Utah – DFI Residential First Mortgage Notification
  30. Virginia Lender Licensed by the Virginia State Corporate Commission as MC-1856
  31. Washington Consumer Loan Company License #CL-176724
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