GET Your Non-QM PRICED instantly.

The SCIENCE of DOING

NON-QM RIGHT!

STILL LENDING.

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.

Our 23 years of experience with Non-QM is here to help you close more loans and it starts with our easy pricing engine. Our Account Executives will help you navigate this growing segment of the mortgage market and make for easy closings.

ACC-Logo-24-Years

FULL DOC

Up to 90% on bank statements and up to $4MM

Self-employed with limited taxable income

Bank statement programs up to 90% LTV

Foreign National DACA

ITIN programs & DACA

No income Investor

DSCR 80% up to $3.5MM

Bankruptcy, Foreclosure or short sale

Not a problem!

COMPLEX DEALS

620 minimum FICO (600 + ITIN), 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

Loan Product

Features and Descriptions

Prime Program

  • Up to 90% LTV Purchase/Rate-Term & 80% Cash Out
  • Primary, Secondary & Investment Properties
  • 50* max DTI
  • Gift Funds & Gifts of Equity allowed
  • Interest-Only option available
  • 6-12 months Reserves
  • Loan Amounts to 4M

Prime Plus Program

  • Up to 80% LTV Purchase/Rate-Term & 75% Cash Out
  • Primary & Properties
  • 620 Minimum FICO Score
  • No Score Allowed
  • Bankruptcy/Foreclosure/Short Sale - 24 months (exceptions considered)
  • Expired Green Cards/VISA/EADs allowed with documentation of extension request
  • 12 months documentation - Full Doc, P&L, 1099, Bank Statements
  • 1 year Self-Employment
  • 50 MAx DTI
  • Gift Funds & Gifts of Equity allowed
  • 3 Months Reserves
  • Loan Amounts to $1.5M


Prime Plus Program ITIN

  • Up to 80% LTV Purchase/Rate-Term & 75% Cash Out
  • Primary, Secondary & Investment Properties
  • 600 minimum FICO
  • No Score eligible
  • No minimum Tradeline requirements
  • Bankruptcy/Foreclosure/Short Sale - No Seasoning requirements
  • 12 months documentation - Full Doc, P&L
  • 50% max DTI (43% without compensating factors)
  • Gift Funds & Gifts of Equity allowed - No minimum Borrower contribution
  • No Reserves
  • Loan Amounts to $750,000

DSCR Program

  • Up to 80% LTV Purchase/Rate-Term & 75% Cash Out
  • Investment Properties only
  • 620 minimum FICO (Foreign National - No Score eligible)
  • No Income/Employment Verification
  • DSCR as low as .75 (Foreign National requires 1.00+)
  • Interest-Only option available
  • Cash Out up to $1M
  • 6-12 months Reserves
  • Loan Amounts to $3.5M (Foreign National to $1M)

2nd Chance Program

  • Up to 85% LTV Purchase/Rate-Term & 75% Cash Out
  • Primary, Secondary & Investment Properties
  • 620 minimum FICO
  • Limited Tradelines allowed
  • Bankruptcy/Foreclosure/Short Sale - Seasoning as little as 1 day
  • 12 or 24 months documentation - Full Doc, 1099, Bank Statements
  • 50% max DTI
  • Gift Funds & Gifts of Equity allowed
  • Interest-Only option available
  • 3 months Reserves
  • Loan Amounts to $3M

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

Mouse over map for licensing info

 ORANGE = PENDING  GREEN = LICENSED

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. California – DBO Residential Mortgage Lending Act License #41DBO-102821 
  3. Colorado Mortgage Company Registration  
  4. Connecticut Mortgage Lender License ML-176724
  5. D.C. Mortgage Dual Authority License #MLB176724
  6. Delaware Lender License #020786 
  7. Florida Mortgage Lender Servicer #MLD953 
  8. Georgia Mortgage Lender License #46424
  9. Idaho Mortgage Broker/Lender License #MBL-2080176724
  10. Illinois Residential Mortgage License MB.6761111
  11. Indiana – DFI Mortgage Lending License #40794
  12. Maryland Mortgage Lender License #6625
  13. Michigan 1st Mortgage Broker/Lender License #FL0022183
  14. Minnesota Residential Mortgage Originator License # MN-MO-176724
  15. Nevada Mortgage Lender License 4619  
  16. New Jersey Residential Mortgage License
  17. North Carolina Mortgage Lender License L-164875 
  18. Ohio Mortgage Loan Originator License #MLO-OH.177088
  19. Oklahoma Mortgage Lender License #ML012740
  20. Oregon Mortgage Lending License #ML-5825 
  21. Pennsylvania Mortgage Lender License 51566
  22. South Carolina – BFI Mortgage Lender/Servicer License MLS-176724 
  23. Tennessee Mortgage License #181409
  24. 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.”

  25. Utah – DFI Residential First Mortgage Notification
  26. Virginia Lender Licensed by the Virginia State Corporate Commission as MC-1856 
  27. Washington Consumer Loan Company License #CL-176724

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