With 25 years of experience in lending that betters the financial position of our customers, ACC Mortgage is very successful in offering and closing loans that no one else can. Our unique lending philosophy – superior service, a complete financial review, and bettering the financial position of the borrower and the community – has allowed us to close billions of dollars in loans.
Second Chance Program Highlights
- Up to 85% LTV
- 620 Minimum Credit Score
- Loan Amounts up to $3,000,000
- 50% DTI Max
- Gift Funds Are Acceptable
- Need 3 Months PITI Post-Closing
- Full Doc, Bank Statements and 1099 Income Documentation
- Bankruptcy, Foreclosure and Short Sales (Seasoning 24 Months with No Seasoning at Lower LTV's)
We process, underwrite, close all loans in house.
Same day approvals and closing within 10 business days of appraisal order.
WHERE WE ARE LICENSED
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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
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