Unconventional Mortgage Lenders and Brokers - A Wealth of Information and Service: (800) 718-8906

Search

Wholesale Lenders We Offer

ACC Mortgage

  • Modified Date: 06/26/2025 || Published Date:
Lender Description: For over 25 years, ACC Mortgage has built its success on a simple yet powerful philosophy: every loan we close should create lasting value for both the borrower and the community. By focusing on superior service, thorough financial reviews, and responsible lending practices, we’ve helped thousands of customers access financing solutions that others often can’t provide.

12-24 Month Bank Statement Program

Loan Program A Description: This bank statement loan program offers flexible financing options for self-employed borrowers, allowing qualification based on 12 to 24 months of personal or business bank statements. With loan amounts up to $4 million and up to 90% LTV in select markets, this program provides a competitive alternative to traditional income documentation loans. Borrowers can choose from three expense factor methods—Prime, Prime Plus, and Second Chance, ensuring tailored solutions based on their financial profile.

2nd Chance Purchase Program

Loan Program B Description: The Second Chance Program is an niche loan programs for borrowers with credit issues. It provides flexible financing options for borrowers with past credit challenges, offering loan amounts up to $3 million with a minimum credit score of 620. With up to 85% LTV and a maximum 50% DTI, this program accommodates a range of financial situations, including those with previous bankruptcies, foreclosures, or short sales. Gift funds are accepted, and seller concessions of up to 6% help ease upfront costs, making homeownership more accessible.

ITIN Mortgage Program

Loan C Description: This program accommodates a variety of income verification methods, including full documentation, 12 months of bank statements, 1099 income verification, or a profit and loss statement. A valid government-issued photo ID along with an ITIN card or IRS letter is required for eligibility. With credit score requirements as low as 620—and even options for borrowers with no credit score—this program is designed to provide financing solutions for self-employed individuals and those with non-traditional income sources.

DSCR Program

Loan Program D Description: Real estate investors, our DSCR (Debt Service Coverage Ratio) mortgage loan program provides reasonable financing without the need for income verification. Borrowers can qualify based on rental income performance, with loan amounts up to $3,500,000 and LTVs up to 80%. Minimum credit score requirement is 640, with options for cash-out up to $1,000,000 and seller concessions up to 6%. Gift funds are permitted, and ITIN borrowers are eligible.
Lender Verification of Employment:

VOE contact a Loan Officer

ACC Mortgage Offers the Following Loan Programs

Check back often as we are always updating our lender and loan program information.

12-24 Bank Statement Program

* 90% LTV

* Bank Statements – Business and/or Personal Account(s)

* 3 Different Expense Factors

* $4,000,000 Max Loan Amount

* Interest Only Available

Foreign National Program

* Purchase – 75% LTV

* Refinance R/T – 70% LTV

* Cash Out Refinance – 65% LTV

* Non-Owner-Occupied

* 6 Months Reserves – 6 Months

* Vesting – Business or Individual

* 620 FICO and Above

2nd Chance Purchase Loan

Income Documentation Options:

* Bank Statements

* P&L Only

* 1099 Only

Underwriter Notes:

* 85% LTV

* 50% DTI (exceptions made to 55%)

Credit Criteria:

* 620 Credit Score

* Bankruptcy, Foreclosure, Short Sale – 2 Years Seasoning

* Gift Funds – OK

* Seller Concession – 6%

* $3,000,000 Loan Amount

* 3 Months Reserves

* Financing for Investors to Buy and Sell

ITIN Mortgage Program

Income Documentation Options:

* Bank Statements

* P&L Only

* 1099 Only

* 85% LTV

* 50% DTI

* Gift Funds – OK

* 620 Credit Score

* Government Photo ID + ITIN Card or IRS Letter

Asset Depletion

Qualified Liquid Assets

* Checking, Savings, and Money Market

* Stocks, Bonds, Mutual Funds, Retirement – 70%

Mortgage Pre-Qualification Form – No Credit Check

Licensed in the Following States:

Alabama, Arizona, California, Colorado, District of Columbia, Georgia, Florida, Iowa, Indiana, Kentucky, Maryland, Michigan, Minnesota, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, and Wisconsin.

Self-Employed Mortgage Lending

Contact a Loan Officer

Non-QM Mortgage Lending

Non-QM Mortgage Lending

Non-QM Mortgage Loans