Our Fast and Flexible full documentation program innovatively blends residential and commercial underwriting guidelines. The result is a program that is more flexible, streamlined and efficient. ACC’s “common sense” underwriting allows us to be creative in our loan structuring and better suited to today’s borrowers’ needs.

Our Program Emphasis

• ACC underwriters add back income on most borrowers’ tax returns
• No DSCR requirements
• Fixed rates available
• 15, 20 and 30 year amortization
• Up to 90% LTV / 95% CLTV
• Minimum credit score of 600
• Fast pre-approvals (48 - 72 hours)
• Owner-operated or Investment properties

Documents Required for Submittal

• Loan Submission Form
• Completed Fannie Mae 1003 application
• Tri-merge credit report (under 25 days old)
• 2 years corporate & personal tax returns
• 2 years W-2’s
• Rent roll