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.

With over 24 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 $3MM

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 $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

Loan Product	Features and Descriptions
Prime Program	Up to 90% LTV 660 Minimum Score Loan Amounts up to $3,000,000 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 First Time Investors to 75% LTV 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 80% LTV Purchase/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* (see additional requirements) 50% Maximum DTI Valid Government Photo and ITIN Card or IRS Letter 5% Minimum Down from Borrower. Gift Funds Eligible. 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 $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
2nd Chance Program	Up To 80% 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)

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

west midwest east

Licensing Information

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

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
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Utah
Virginia
Washington

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