Recognizing the need for an alternative choice to traditional bank lending, ACC has developed the “Simple and Streamlined” Stated Income/Stated Asset program. Because our submission package is so simple and the required documentation is minimal, we are able to close your loans quickly and efficiently.

Our Program Emphasis

• Income verification not required
• Asset verification not required
• Fixed rates
• 15, 20, 25 and 30 year amortization
• Up to 80% LTV / 90% CLTV
• Minimum credit score of 580
• Fast pre-approvals (24 hours)
• Owner-Operated or Investment properties
• 0.5% DSCR requirement for Owner Occupied properties
• 0.8% DSCR requirement for Investment properties

Documents Required for Submittal

• Loan Submission Form
• Completed Fannie Mae 1003 application
• Tri-merge credit report (under 25 days old)
• Rent Roll for investment properties