Loan Products

For the owner-occupied borrower with less than perfect credit, challenges with proof of income or just need to close quickly. ACG offers consumers the ease of financing with lower than expected rates. 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 350! Our maximum DTI is as high as 55% with LTV’s as high as 90%. We offer a creative solution for hard to finance owner-occupied homes.

• Alternative Doc: VOE only, 1099 only, K1 only and P&L only
• Traditional Alt Doc: 12 and 24 months personal or business bank statements
• Traditional Full Doc: W2’s & Paystub (wage earner), 1040’s (self-employed)
• $100,000 – $5,000,000. Exceptions considered for larger loan amounts
• Lending to Individuals and Trusts
• 5/1, 7/1 arms and 30 year fixed
• DTI’s up to 55%
• LTV’s up to 90%
• No liquid cash reserves needed up to 90% LTV
• Rates as low as 6.99%
• Property Types Include: SFR, Townhouse, Condo, Condotels and 2-4 Units
• 100% Gift Funds – OK
• Gift of Equity-OK
• Non-Warrantable Condo – OK
• Condotels – OK
• Lease Option Buyout Using Current Appraised Value – OK
• Rural Properties – OK
• Green Card Holder – OK
• ITIN Borrowers With Valid Work Visa– OK