Acra Lending
3 Ada Parkway, Suite 200A, Irvine, CA 92618
https://acralending.com/
Đánh giá nội bộ
(5 đánh giá)
Tổng số khoản vay đã hoàn tất với Loan Factory
363
Tổng số khoản vay đã hoàn tất với Loan Factory (12 tháng qua)
280
Tổng quan về đơn vị cho vay
Thông tin cơ bản
Citadel Servicing Corporation dba Acra Lending ISAOA/ATIMA PO Box 29411 Phoenix, AZ 85038-9411 Loan Number: See Approval
Citadel Servicing Corporation dba Acra Lending ISAOA/ATIMA 3 Ada Parkway #200A Irvine, CA 92618 Loan Number: See Approval
Chính sách khóa & Phí
Chính sách khóa
Extensions: 14 days max, 0.750% discount, one-time only.
**NOTE: The rate is automatically locked at submission for 45days
In the event the lock expires on a holiday or weekend, the lock will automatically extend onto the immediately following business day.
None
Thị trường ngách & Hạn chế của đơn vị cho vay
Jumbo Non-Conforming Lender: DSCR, P&L, Bank Statements, Foreign National, ITIN, Non-Permanent Residents, Expired VISAs, Expired Work Permits, Assets Only, Multifamily, Etc.
We also offer a WVOE only program, a 1 score/no score program, as well as a 1year self-employed program
We also offer ATR in full. It is qualifying on assets that equal the loan amount. No reserves required and this is for primary homes only.
DSCR
RATE MATCH
ITIN
BANK STATEMENTS
FOREIGN NATIONAL
First-Time Home Buyers – DSCR Loans:
Allowed with strict requirements, including: minimum 700 FICO, max 70% CLTV, minimum DSCR 1.15, loan cap of $1M, full amortization only, impounds required, and at least six months reserves.
Non-Owner Occupied Vacant Properties:
Vacant properties may qualify if owned ≥15 months, borrower has 700+ FICO, CLTV meets tiered limits (70% / 65% / 60%), DSCR ≥1.15 or DTI ≤40%, three-year prepay penalty (where allowed), full amortization, impounds, and six months reserves (cash-out allowed for reserves).
Recently Listed Properties (Wholesale Only):
Properties listed within the last six months ok
Allow lender credit to cover BPC.
Thời gian xử lý của đơn vị cho vay
2
1
1
Đánh giá - Acra Lending
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