Programs Available from ACM Home Loans
- Conventional / FHA / VA Refinance
- FHA Streamline / VA IRRRL
- Investment Properties
- Condominiums
- Second Homes
- DU Refi Plus
- Freddie Open Access
- First Time Home Buyers
- High Balance FHA/VA
- Down Payment Assistance
- Mortgage Certificate Programs
- Manufactured Housing
- Modular Homes
- Puerto Rican Tax Filers
- FHA Back to Work
- HUD REO
- HomeStyle Renovation
- USDA
- Combo Loans
- Foreign Nationals
- Super Jumbos to $5M
- Non Warrantable Condo
- LLC, Corporate, and Trust Vesting
- Asset Based Loans
- Interest Only
- Second Mortgages
- Condotels
- Investor loans (up to 25 financed properties)
- W-2 only
- HELOCs
- 80% LTV (no mortgage insurance)
- LTV up to 95% with mortgage insurance
- Lender paid mortgage insurance options available.
- 3.5% down payment required, based on purchase price or appraised value (lesser of the two)
- Non-occupying co-borrowers are allowed (perfect for college students)
- Down payment and closing costs may be gifted by a family member
- Up to $35,000 in repairs
- Can be used for refinance
- Contractor: 2 draws
- No structural repairs
- No minimum repairs
- Structural repairs allowed
- Contractor: 5 draws
- Up to 6 months principal, interest, taxes, and insurance can be included if property not occupied
- The LTV can be up to 110% of the after improved value, comps must support the values
- FHA consultant required
- True 100% financing
- 30 year fixed rate
- Flexible credit guidelines *Income/Property Eligibility
- Guarantee fee may be financed (2%-3% available)
- 100% financing for qualified Veterans
- No monthly mortgage insurance
- VA funding fee may be financed
- No mortgage payments
- For borrowers 62 years & older
Subject to credit approval. Some restrictions may apply. Other programs available. Program conditions subject to change without notice.