Loan Products

For the owner-occupied borrower with less than perfect credit, challenges with proof of income or just need to close quickly. ACG offers consumers the ease of financing with lower than expected rates. This program varies between traditional income documentation to alternative forms of proof of income documentation. Athas even finances borrowers with fico scores as low as 550! Our maximum DTI is as high as 55% with LTV’s as high as 90%. We offer a creative solution for hard to finance owner-occupied homes.

• Alternative Doc: VOE only, 1099 only, K1 only, P&L only (no bank statements)
• Traditional Alt Doc: 12 and 24 months personal or business bank statements
• Traditional Full Doc: W2’s & Paystub (wage earner), 1040’s (self-employed)
• $50,000 – $4,000,000
• Lending to Individuals and Trusts
• 5/1, 7/1 arms and 30 year fixed
• DTI’s up to 55%
• LTV’s up to 90%
• No liquid cash reserves needed up to 85% ltv
• Rates as low as 4.25%
• 100% Gift Funds – OK
• Gift of equity-OK
• Non-Warrantable Condo – OK
• Condotels – OK
• Lease Option Buyout using current appraised value – OK
• Rural Properties – OK
• Green Card Holder – OK
• ITIN borrowers – OK

Borrowers looking to refinance N/O/O SFR, Condo, and 2-4-unit properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.

• No Income Proof Needed
• All Loans are N.I.V. (No Income Verified)
• No Income stated on 1003
• LTV up to 80%
• No DTI Ratios
• DSCR ratios as low as .75
• Rates as low as 4.50%
• Up to a 2 Point Rebate
• Loan Amounts from $100,000 – $3,000,000
• Lending to LLC’s, S-Corp, C-Corps, Trusts or Individuals.
• Property Types Include: SFR, Condo, 2-4 Units
• Interest Only Option Available
• Foreign Nationals – OK
• 100% Gift Funds – OK

Borrowers looking to refinance N/O/O SFR, Condo, and 2-4-unit properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.

• No Balloon payments – 30 year fully amortized
• No Income Proof Needed
• All Loans are N.I.V. (No Income Verified)
• No Income stated on 1003
• LTV up to 75%
• No DTI Ratios
• No DSCR calculated
• Rates as low as 5.50%
• Up to a 2 Point Rebate
• Loan Amounts from $100,000 – $3,000,000
• Lending to LLC’s, S-Corp, C-Corps, Trusts or Individuals.
• Property Types Include: SFR, Condo, Condotels, 2-4 Units
• Interest Only Option Available
• Foreign Nationals – OK