Get a Financing Program That Fits Your Needs


There are many loan programs available today, but how do you know which type of financing is your best fit?

That’s where ACB Mortgage Solutions comes in!

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 summary of the products we offer.


We offer programs designed for all types of homebuyers including a variety of First Time Homebuyer Loans, Conventional Loans, Jumbo Loans that comes with more flexibility and higher loan amounts, renovation loans that allows for the purchase and restoration of a “fixer upper,” as well as government-backed loans, including FHA, VA, and USDA loans. We also offer Fixed and Adjustable Rate Mortgages and have flexible loan term options.


We offer programs to refinance your current mortgage for all types of homeowners, including Streamline Refinances, Rate and Term Refinances, and Cash Out Refinances, through a variety of Conventional and government-backed loan programs. A refinance can potentially reduce your monthly payments with a lower interest rate, eliminate mortgage insurance, switch from an adjustable rate to a fixed rate mortgage, shorten the term of your existing loan so you can build equity faster, take money out of your home to pay down high-interest debts, make home improvements and renovations, or to have cash for other family needs. We also offer Fixed and Adjustable Rate Mortgage Refinances and have flexible loan term options.


For our business investor clients, in addition to our traditional lenders and Conventional and FHA programs available for Investment Properties, we also specialize in Non-QM and Commercial loans, including programs for Asset, Bank Statement, or Investor Cash Flow Qualifiers that meet our client’s diverse needs. We offer financing solutions for Owner and Non-Owner Occupied Properties, Rental Properties, Fix & Flip, New Constructions, Non-Warrantable Condos, and Investor Lines of Credit. Options also available for Investors seeking large rental projects of over 5 units.


  • Loan amounts up to the conforming loan limits
  • Fixed or adjustable rates
  • Down payment as low as 3% for primary home
  • Primary, second, and investment property options
  • Low down payment financing with discounted fees for creditworthy low- and moderate-income borrowers
  • 3% down payment
  • Reduced Mortgage Insurance coverage levels
  • Borrowers with no owner-ship interest in a residential property in the last three years is considered a first-time homebuyer
  • A displaced homemaker or a single parent whose ownership interest in the last three years was a joint ownership in the marital residence is also considered a first-time homebuyer
  • Loan amounts up to $5,000,000
  • Fixed or adjustable rates
  • Primary, second, and investment property options
  • 3.5% minimum down payment required for home purchase
  • May qualify 2 years post-bankruptcy and 3 years after prior foreclosure
  • Loan amounts up to the County loan limits
  • Competitive interest rates that are routinely lower than conventional loans
  • Down payment as low as 0%
  • Higher allowable debt-to-income ratio than other loan types
  • Sellers can pay up to 6% of closing costs and other concessions
  • VA Renovation loans
  • Available to qualified first-time homebuyers
  • 3% down payment
  • For primary, single-family residences only
  • Also referred to as a 203(k) or rehab loans
  • Allows for the purchase of a “fixer-upper”
  • Buyers can finance the cost of the home plus the home improvement costs in one mortgage
  • Also known as Title I loans
  • Can be applied to purchase a manufactured home, a lot for a home already owned or to be purchased, or to buy a manufactured home and lot in combination
  • Comes with shorter loan terms—20 years maximum for a manufactured home or single-section manufactured home and lot
  • Comes with shorter loan terms. The maximum term for a manufactured home lot loan is 15 years and 25 years for a loan on a multi-section manufactured home and lot
  • Loans taken out by homeowners who are seeking repairs, improvements, or expansions
    Allows for homeowners to finance small projects, such as kitchen and bathroom remodels up to $25,000
  • Options available for larger renovations and improvements, like home extensions or a new roof up to 75% of the “as completed” appraised value of the home
  • Program allows for pool installations
  • For eligible homeowners aged 62 and older
  • Allows homeowners to use the equity in their home and convert it into payments received, instead of the borrower making payments to the lender
  • The money received is usually is tax-free and doesn’t have to be paid back for as long as the owner lives in the home
  • Home Equity Line of Credit
  • Credit lines available up to $500,000
  • Available on Primary, Second, Warrantable Condos, and Investment Properties


  • Loans for real estate investors to purchase and improve a property to then sell for a profit
  • The real estate serves as collateral, and in case of a default, the lender could take ownership of the collateral
  • Short-term interest only loans that are typically 12 to 18 months, and there is no penalty for repaying the loan early
  • Loans to buy a non-warrantable condo, which are harder to obtain financing for as they are not backed by Fannie Mae and Freddie Mac
  • Lenders do not sell this loan to third parties and instead hold on to their books
  • Since lenders take on all the risk, they have more stringent underwriting criteria and may carry higher interest rates than conventional loans
  • Loans for a property you plan to rent or sell but not reside in
  • 15% to 25% down payment required, depending on the property type
  • Higher credit score minimums are required than for government-backed loan programs
  • 3 ½% down payment options available with FHA for owner occupied Primary Residence Investment Properties
  • Designed for real estate investors who engage in both fix and flip and fix and hold
  • Allows investors to have open credit lines to make repairs or improvements for current and future projects
  • No income verification

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