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GET Your Non-QM PRICED instantly.

The SCIENCE of DOING

NON-QM RIGHT!

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Since 1999, the only thing we have ever done is Non-QM. We are the oldest Non-QM lender in the industry.

We have the programs and pricing to help all your customers that do not fit the traditional lending box.

With over 25 years of experience in Non-QM, you can trust our experience to help you close more loans & it starts with our easy pricing engine. Our Account Executives can help you navigate this growing segment of the mortgage market and make closing Non-QM loans easy.

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FULL DOC

Up to 90% on bank statements and up to $3.5MM

Self-employed with limited taxable income

Bank statement programs up to 90% LTV

No income Investor

DSCR 80% up to $2.5MM

Bankruptcy, Foreclosure or short sale

Not a problem!

COMPLEX DEALS

620 Minimum Score, No Score, First Time Investors, 50% max DTI, Cannabis-derived Income, Appraisal Transfers, Non-Warrantable Condos, Mortgage/Rent lates

NON-QM PRICER
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NON-QM PRICER
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Our Products

Where We Are Licensed

Owner Occupied States: • Arizona Mortgage Banker License #BK 0937856 • California – DBO Finance Lender 603L142 • Colorado Mortgage Lender License • Connecticut Mortgage Lender License ML-176724 • D.C. Dual Authority MLB176724 • Delaware Lender #020786 • Florida Mortgage Lender Servicer # MLD953 • Georgia Mortgage Lender License #46424 • Illinois Residential Mortgage License MB.6761111 • Maryland Mortgage Lender License • MD Mortgage Lender #6625 • Michigan 1st Mortgage Broker/Lender License #FL0022183 • Minnesota Residential Mortgage Originator License # MN-MO-176724 • Nevada Mortgage Lender License 4619 • New Jersey NMLS 176724 • North Carolina Mortgage Lender License L-164875 • Ohio Mortgage Loan Originator License #MLO-OH.177088 • 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 • Virginia Lender Licensed by the Virginia State Corporate Commission as MC-1856 • Washington Consumer Loan Company License

Loan Product

Features and Descriptions

Prime Program


  • 90% LTV with a 680 score
  • 660 minimum score
  • Seller Concessions up to 6%
  • Up to 55% DTI - All Doc Types
  • Loan Amounts up to $4,000,000
  • Primary, Second Homes & Investment Properties
  • Full Doc, Bank Statements, 1099, P&L Only and Asset Depletion
  • Cash-Out Proceeds can be used for Reserve Requirements
  • Cannabis Income Eligible (in states where cannabis has been legalized)


Prime Plus Program


  • Loan Amounts up to $1,500,000
  • 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 85% LTV Purchase, 80% LTV 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)


Prime Plus Program ITIN


  • Up to 85% LTV
  • 50% Maximum DTI
  • Valid Government Photo and ITIN Card or IRS Letter
  • Doc Type: Full Doc, Bank Statements (12 months), 1099 or P&L Only (12 months)
  • Credit Scores down to 620 & No Score allowed
  • Only 1 Year Self-Employment


DSCR Program


  • Loan Amounts to $3,500,000
  • Cash-Out to $1,000,000
  • Up to 80% LTV
  • No Income on 1003
  • 640 Minimum Score
  • Gift Funds Permitted
  • Reserves: 2 Months for Loan Amounts up to $1.5 Million
  • ITIN Borrowers Eligible


2nd Chance Program


  • Up To 85% LTV
  • 620 Minimum Credit Score
  • Seller Concessions up to 6%
  • Loan Amounts up to $3,000,000
  • 50% DTI Max
  • Gift Funds are Acceptable
  • Need 3 Months PITI Post-Closing
  • Full Doc, Bank Statements, P&L Only and 1099
  • Bankruptcy, Foreclosure and Short Sales (Seasoning 24 Months with No Seasoning at Lower LTV's)


Mouse over map for licensing info

 ORANGE = PENDING  |  GREEN = LICENSED
west midwest east

REVISED:  November 4, 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; Wyoming Mortgage Lender/Broker License #5502; 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. Kentucky – Loan Originator License MC857730
  15. Louisiana – Louisiana Residential Mortgage Lending License
  16. Maryland – Mortgage Lender License #6625
  17. Michigan – 1st Mortgage Broker/Lender License #FL0022183
  18. Minnesota – Residential Mortgage Originator License # MN-MO-176724
  19. Mississippi – Mortgage Lender License 176724
  20. Nevada – Mortgage Lender License 4619 
  21. New Jersey – Residential Mortgage License
  22. New Mexico – Mortgage Loan Company License #176724
  23. North Carolina – Mortgage Lender License L-164875 
  24. Ohio – Mortgage Loan Originator License #MLO-OH.177088
  25. Oklahoma – Mortgage Lender License #ML012740
  26. Oregon – Mortgage Lending License #ML-5825
  27. Pennsylvania – Mortgage Lender License 51566
  28. South Carolina – BFI Mortgage Lender/Servicer License MLS-176724
  29. Tennessee – Mortgage License #181409
  30. 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.”

  31. Utah – DFI Residential First Mortgage Notification
  32. Virginia – Lender Licensed by the Virginia State Corporate Commission as MC-1856
  33. Washington – Consumer Loan Company License #CL-176724
  34. 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
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Montana
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  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
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  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

ACC Mortgage
1801 Research Blvd, suite 410, Rockville, MD 20850

Direct: 1-877-353-2233 • E-Fax: 1-240-241-5160 • NMLS #176724

All Credit Considered Mortgage, Inc.
NMLS #176724  •  NMLS Consumer Access