ASSET DEPLETION PROGRAM

The Asset Depletion Program allows borrowers to utilize the following assets to qualify for Debt to Income.

product_money

Requirements:

  • 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

WHERE WE ARE LICENSED

Mouse over map for licensing info

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

REVISED:  March 10, 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:  Alaska Broker/Lender License #AK176724; 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. Alaska – Broker/Lender License #AK176724
  2. Alabama – Consumer Credit License #23497
  3. ArizonaMortgage Banker License #BK 0937856
  4. Arkansas – Combination Mortgage-Banker-Broker-Servicer License #119499
  5. California – DBO Residential Mortgage Lending Act License #41DBO-102821 
  6. ColoradoMortgage Company Registration  
  7. ConnecticutMortgage Lender License ML-176724
  8. D.C.Dual Authority License #MLB176724
  9. DelawareLender License #020786 
  10. FloridaMortgage Lender Servicer #MLD953 
  11. GeorgiaMortgage Lender License #46424
  12. IdahoMortgage Broker/Lender License #MBL-2080176724
  13. IllinoisResidential Mortgage License MB.6761111
  14. Indiana – DFI Mortgage Lending License #40794
  15. Iowa – Mortgage Banker License #2024-0199
  16. Kansas – Mortgage Company License MC.0025574
  17. Kentucky – Loan Originator License MC857730
  18. Louisiana – Louisiana Residential Mortgage Lending License
  19. MarylandMortgage Lender License #6625
  20. Michigan1st Mortgage Broker/Lender License #FL0022183
  21. MinnesotaResidential Mortgage Originator License # MN-MO-176724
  22. Mississippi – Mortgage Lender License 176724
  23. Montana – Mortgage Lender License #176724
  24. Nebraska – Licensed Nebraska Mortgage Banker
  25. New Hampshire – Mortgage Banker License #176724MB
  26. NevadaMortgage Lender License 4619 
  27. New JerseyResidential Mortgage License
  28. New Mexico – Mortgage Loan Company License #176724
  29. North CarolinaMortgage Lender License L-164875 
  30. North Dakota – Residential Mortgage Lender License #ML 104913
  31. Ohio – Mortgage Loan Originator License #MLO-OH.177088
  32. Oklahoma – Mortgage Lender License #ML012740
  33. Oregon – Mortgage Lending License #ML-5825
  34. Pennsylvania – Mortgage Lender License 51566
  35. South Carolina – BFI Mortgage Lender/Servicer License MLS-176724
  36. South Dakota – Mortgage Lender License #176724.ML
  37. Tennessee – Mortgage License #181409
  38. 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.”

  39. Utah – DFI Residential First Mortgage Notification
  40. Virginia – Lender Licensed by the Virginia State Corporate Commission as MC-1856
  41. Washington – Consumer Loan Company License #CL-176724
  42. West Virginia – Mortgage Lender License #ML-4957
  43. Wyoming – Mortgage Lender/Broker License #5502
  • Alabama
  • Arizona
  • Alaska
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • D.C.
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
    Kentucky
    Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
    Mississippi
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virgina
  • Wisconsin
  • Wyoming