We Make Mortgages Look Easy

If you’d like to purchase a home, refinance your current mortgage, consolidate debt, or invest in real estate, we provide the tools, knowledge and expertise to find your best financing solution, and take you from application to closing quickly and efficiently.

WHAT OUR CLIENTS HAVE TO SAY:

“As first time home buyers my husband and I started the process with a lot of questions and some hesitations. Based on our experience I would highly recommend working with Cliff Bowyer. He was our first point of contact in the home buying process and went above and beyond to answer all of my questions. He was also able to provide me with quality referrals for a realtor and closing attorney. He thoroughly explained all of the mortgage options that were available to us. We had some challenges with the sellers making changes last minute before closing and he was still able to get everything processed on time. If you are looking to purchase a home or refinance your mortgage then you should absolutely contact Mr Bowyer.”

Melanie Mulligan

“I had a great experience working with Cliff on my refinance. He was extremely helpful and responsive to the many questions I had, explaining everything each step of the way. I was able to get an excellent rate and had an easy time working with Cliff from the moment I reached out to him through the moment we closed with the lender.”

Joseph LaPointe

“Cliff walked me through the mortgage process when I was buying my first home. Cliff was clear and made a complex process very simple. He was always timely in his communication, efficient, and had my family’s best interest in mind. He was easy to work with and flexible. He respected my time and worked hard to make sure the whole process was done in the most convenient way possible. He worked well in collaboration with my lawyer. I would highly recommend him!”

Jennifer McLean

“We worked with Cliff for a refinance of our mortgage and he was a pleasure to work with. He was extremely detail oriented during every step of the process, patiently answered all of our questions, and was a very thorough communicator throughout. We were very happy overall and would really recommend Cliff’s services.”

Dante Carnevale

December 16, 2020

“Cliff and his team was awesome in helping me get my financing done. Thank you.”

Angus Bruce

December 16, 2020

“Genuine expert’ is the phrase that comes to mind when I think about Cliff. I had the pleasure of working with Cliff for a few years at a Financial Corporation, collaborating on several project teams. Cliff’s ability to handle multiple projects was unlike any I’ve seen before and made a dramatic increase in the productivity level of the company. He is reliable, dedicated, methodical and very capable. As a business owner, Cliff earns my highest recommendation.”

Tayana Johnson

December 16, 2020

OUR MORTGAGE LOAN PROCESS

Secure your loan through our highly efficient, seamless loan process. We facilitate a proven 7-step process that gets your home financing moving forward with speed and personalized care.

You Talk, We Listen

We meet and have a chat to learn about your credit, financing needs, manage your expectations, and explain your available loan options. We’ll then guide you in choosing your best-matched mortgage and interest rate.

Loan Application

We move full speed ahead in preparing your application. This includes gathering as much information as possible upfront. We’ll then inform you what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.

Appraisal and Underwriting Submission

After we receive your documents, we’ll order an appraisal, title insurance, tax transcripts, verify your employment, and gather other documents to be submitted for underwriting.

Conditional Approval and Loan Commitment

This is when you can take a deep breath because your loan has been approved. However, it comes with conditions that must be met before it can close. You’ll receive your loan commitment subject to such terms, which your loan officer will work with you to resolve.

Outstanding Documents Submitted for Closing

We’ll assemble your additional documents noted in the conditional approval, as well as the third-party paperwork we ordered on your behalf. We’ll then submit the whole package to the underwriter for the “clear to close” on your loan.

Underwriter Sign Off

The underwriter reviews your loan, confirms that you have met all of the conditions, and signs off on final approval. Your loan is now ready to close!

Closing

Congratulations! Your loan is closing, and we’ll confirm the total funds needed at the closing table. The last step is receiving the keys and taking your first steps into your new home!
Let’s get your loan process started now.

ARE YOU READY TO GET STARTED ON A REFINANCE OR PURCHASE LOAN?

REASONS TO WORK WITH A MORTGAGE BROKER

These are the top 5 reasons why using a Mortgage Broker is better than working with a direct lender, such as a bank or other financial institution.

PRODUCTS We OFFER

Unlike banks that only provide their own loan products, mortgage brokers can present home buyers with many different loan options. More options mean more choices for you in terms of both rates and loan types.

Competitive Rates

A broker’s job is to work on your behalf with several lenders to find you the most competitive interest rates and negotiate terms that best fit your needs. This, of course, makes the mortgage process easier for you and can save you a lot of money.

RESOLVE ISSUES QUICKLY

An experienced mortgage broker who regularly works with many different lenders can foresee problems that may arise with certain ones, like not being able to close on time. Therefore, they can direct you accordingly to avoid potential problems.

Lower Fees

When you take on a new mortgage with a lender, there are several fees involved. These include origination fees, application fees, and appraisal fees. Sometimes, mortgage brokers can get lenders to waive some or all of these fees, which can save you several thousands of dollars.

Non-Traditional Borrower Solutions

If you’re self-employed, have inconsistent income, or not-so-great credit, it’d be best to work with a broker who can help get you approved based on your financial status. They can present the best loan products and rates available to non-traditional buyers and are usually familiar with lenders who will issue loans to such types of borrowers. Brokers can also help investors, who are often looking to protect their profit margins with the lowest-rate loan products possible.

MORTGAGE PAYMENT CALCULATOR

The monthly mortgage payment calculator estimates your monthly payment in four categories:

Principle

Interest

Property Taxes

Homeowner Insurance

Unlike other calculators, the ACB Mortgage Solutions Payment Calculator factors in your fees to give you a more precise payment estimate.

Resources

Become a Homeowner with the DPA Advantage Program

Become a Homeowner with the DPA Advantage Program

If it’s your dream to become a homeowner, but you don’t have the funds needed for a down payment on a home purchase, you may be able to benefit from ACB Mortgage Solutions’ Down Payment Assistance (DPA) Advantage Program. This grant program is designed to help...

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ACB Mortgage Has Solutions for You

ACB Mortgage Has Solutions for You

“Cliff walked me through the mortgage process when I was buying my first home. He was clear and made a complex process very simple,” said Jennifer McLean about Cliff Bowyer, the owner of ACB Mortgage Solutions. “One of the first things I do,” explained Bowyer,  “is...

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Partner with us

With low rates, expert financial advice, professional service, and an incredibly fast application process, our business is expanding.
All we’re missing is you!

Loan officers

We train the industry’s top-producing loan officers, providing the support and tools you need for success.

Real estate agents

Let’s partner and grow both of our businesses through shared client leads, two-way referrals, and co-marketing strategies.

OUR PRODUCTS

Being matched with the mortgage that makes the most sense for your situation involves careful consideration of your needs, finances, and history. We are here to guide you, and while there is no substitute for a conversation with one of our expert loan advisors, below is a brief summary of the products we offer.
Purchase loans
Whether you are purchasing your first home, forever home, new build, or investment property, we offer programs designed for all types of homebuyers, including Fixed-Rate, Conventional, and New Construction/Rehab Loans. We also offer Jumbo Loans that come with more flexibility and larger amounts, as well as government-backed loans, including VA, USDA, and FHA loans, which have minimum or zero down payment requirements.
Refinance
We offer refinancing to replace your current mortgage. A refinance can potentially reduce your monthly payments with a lower interest rate, switch from an adjustable-rate to a fixed-rate mortgage, or shorten the term of your existing loan so you can build equity faster. We also provide Cash-Out Refinances to pay off high-interest debts while refinancing to a loan with a lower interest rate.