WE NEVER STOPPED LENDING DURING COVID-19.
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.
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
Information Needed
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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 |
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Prime Program |
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Prime Plus Program |
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Prime Plus Program ITIN |
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DSCR Program |
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2nd Chance Program |
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Mouse over map for licensing info
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
- California – DBO Residential Mortgage Lending Act License #41DBO-102821
- Colorado Mortgage Company Registration
- Connecticut Mortgage Lender License ML-176724
- D.C. Mortgage 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
- 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
- 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
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.”
- 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
- Alabama
- Arizona
- Alaska
- Arkansas
- California
- Colorado
- Connecticut
- D.C.
- Delaware
- Florida
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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