Non-Prime O/O Consumer Purpose

For the owner-occupied borrowers with less than perfect credit, challenges with proof of income or just need to close quickly. ACG offers consumers the ease of finance with lower than expected rates compared to hard money products. This program varies between traditional income documentation to alternative forms of proof of income documentation. Athas even finances borrowers with fico scores as low as 300! Our maximum DTI is as high as 55% with LTV’s as high as 80%. We offer a creative solution for hard to finance owner occupied homes.

  • Alternative Doc: VOE only, 1099 only, P&L only (no bank statements) & 1-month personal bank statement
  • Traditional Alt Doc: 12 and 24 months personal or business bank statements
  • Traditional Full Doc: W2’s & Paystub, 1040’s
  • $50,000 –  $7,000,000
  • Lending to Individuals and Trusts
  • 5/25, 7/23 arms and 30 year fixed
  • DTI’s up to 55%
  • LTV’s up to 95%
  • Rates as low as 4.75%
  • 100% Gift Funds – OK
  • Gift of equity-OK
  • Foreign Nationals with US Credit – OK
  • Foreclosure Bailout – OK
  • Non-Warrantable Condo – OK
  • Condotels – OK
  • Lease Option Buyout using current appraised value – OK
  • Rural Properties – OK
  • Green Card Holder – OK
  • No FICO – OK
  • Sub 500 FICO – OK
  • Foreclosure bailout – OK
  • No liquid cash reserves needed up to 90% ltv

Foreign National Partnership Program

Investing in America is not only for US citizens. ACC works with foreign nationals interested in owning or investing in the American Dream. The Washington, DC metro is a diversely populated area and ACC Mortgage has deep background and experience in lending to foreign nationals.

Foreign National Program Highlights

  • Foreign Nationals Only
  • Purchase And Refinance Ok & Self Employed Ok
  • Up To 75% LTV
  • Occupancy Includes Primary, 2nd Home And Investment
  • Never A Pre-Payment Penalty
  • 5 Year Balloon
  • Money For Down Payment Must Be In Country For 30 Days

Same day approvals and closing within 10 business days of appraisal order.

ITIN Mortgage Program

  • Purchase, Refinance, Investment Properties
  • 20% Down Payment (Gift allowed) Call for details
  • 2 Years Tax Returns
  • 2 Years W2 or 1099
  • 3 Months Bank Statements
  • Passport, ITIN Card, Drivers License

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