DSCR PROGRAM
building
GENERAL REQUIREMENTS
  • Loan Amounts to $2,500,000
  • Cash-Out to $1,000,000
  • 80% LTV Still Available
  • 640 Minimum Score
  • No Minimum Tradelines for Borrower with 3 Scores
  • No Income on 1003
  • Reserves: 3 Months for Loan Amounts up to $1 Million
  • First Time Investor to 75% LTV
  • Not Required to Source Large Deposits
  • Gift Funds Permitted
Income and employment are not verified.
Documentation
  • Personal Guarantee Required for Loans Titled In The Name Of An LLC or Corporation
  • 3 Tradelines Reporting For 12+ Months Or 2 Tradelines Reporting For 24+ Months All With Activity In The Last 12 Months

WHERE WE ARE LICENSED

Mouse over map for licensing info

ORANGE = PENDING  GREEN = LICENSED
west midwest east ACC Mortgage licensed states

REVISED:  January 9, 2023

LICENSING

© 2023 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:  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; 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. Arizona Mortgage Banker License #BK 0937856
  2. Arkansas – Combination Mortgage-Banker-Broker-Servicer License #119499
  3. California – DBO Residential Mortgage Lending Act License #41DBO-102821 
  4. Colorado Mortgage Company Registration  
  5. Connecticut Mortgage Lender License ML-176724
  6. D.C. Dual Authority License #MLB176724
  7. Delaware Lender License #020786 
  8. Florida Mortgage Lender Servicer #MLD953 
  9. Georgia Mortgage Lender License #46424
  10. Idaho Mortgage Broker/Lender License #MBL-2080176724
  11. Illinois Residential Mortgage License MB.6761111
  12. Indiana – DFI Mortgage Lending License #40794
  13. Maryland Mortgage Lender License #6625
  14. Michigan 1st Mortgage Broker/Lender License #FL0022183
  15. Minnesota Residential Mortgage Originator License # MN-MO-176724
  16. Mississippi Mortgage Lender License 176724
  17. Nevada Mortgage Lender License 4619  
  18. New Jersey Residential Mortgage License
  19. North Carolina Mortgage Lender License L-164875 
  20. Ohio Mortgage Loan Originator License #MLO-OH.177088
  21. Oklahoma Mortgage Lender License #ML012740
  22. Oregon Mortgage Lending License #ML-5825
  23. Pennsylvania Mortgage Lender License 51566
  24. South Carolina – BFI Mortgage Lender/Servicer License MLS-176724
  25. Tennessee Mortgage License #181409
  26. 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.”
  27. Utah – DFI Residential First Mortgage Notification
  28. Virginia Lender Licensed by the Virginia State Corporate Commission as MC-1856
  29. Washington Consumer Loan Company License #CL-176724
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • D.C.
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Maryland
  • Michigan
  • Minnesota
    Mississippi
  • Nevada
  • New Jersey
  • North Carolina
  • Ohio
  • Oregon
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  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington