Our Team
Bill Kousmanidis
NMLS#18652
Bill is a graduate of the University of Massachusetts, Amherst with a Bachelor of Business Administration in Accounting. He has worked in the manufactured home finance industry since 1988 and has financed thousands of homes over the years.
Dean Kousmanidis
NMLS#1864591
Dean is a graduate of the State University of New York at Geneseo with a Bachelor of Business Administration. He is Bill's son, and hopes to carry on the great reputation that Approved Credit Services has earned.
Murad Amurlayev
NMLS#2539294
Murad is a graduate of the State University of New York at Geneseo with a Bachelor of Business Administration. He grew up running track with Michael Potamianos and chose to help grow Approved Credit Services.
Michael Potamianos
NMLS#2592810
Michael is a graduate of Syracuse University with a Bachelor of Mathematics and Finance. He grew up with Dean Kousmanidis at the Saint Sophia's Greek Orthodox Church and is ready to help expand Approved Credit Services.
Our Mission
At Approved Credit Service Inc., we are driven by a singular mission: to empower individuals and families to achieve their dreams of homeownership in manufactured homes within vibrant communities. With over 30 years of industry expertise, we specialize in providing chattel loans tailored to finance manufactured homes on rented or leased land.Our commitment to excellence is unwavering. We believe in upholding the highest standards of integrity, transparency, and customer service. Through personalized attention and dedicated support, we guide our clients through every step of the financing process, ensuring their journey to homeownership is smooth and successful.
Key Highlights:
Specialized Expertise: As a chattel loan broker, we specialize in financing manufactured homes on rented or leased land, offering tailored solutions to meet the unique needs of our clients.
Accessible Financing: We make homeownership more accessible by offering competitive interest rates, flexible down payment options, and financing terms of up to 25 years.
Service Excellence: Our commitment to providing the best service in the industry is at the core of everything we do. From initial consultation to loan approval and beyond, we prioritize customer satisfaction above all else.
Collaborative Partnerships: We actively seek to collaborate with brokers and mobile home parks, striving to add value to their operations by offering reliable financing solutions and exceptional service.
At ACSI, we don't just facilitate transactions; we build relationships. We're here to help you turn your homeownership aspirations into reality. Join us on this journey, and let's make your dream home a reality.
Privacy Policy
We respect the privacy of visitors to our website and your personal privacy and the security of your personal information are important to us. All your information is collected and handled
in accordance with the law. This policy is provided to you as required by the Federal Financial Privacy Law (15 U.S.C. §§ 6801-6810). This Privacy Policy should be read.
Use of your Information
If you provide us with your information through our website, for instance by filling in a qualification form or a loan application, we shall
use your information as set out in this privacy policy and in the notices we provide when you submit your information. In order to better assess your suitability for our products and
services, we may also collect information from employers, insurers, financial institutions and trades people, as well as from the three national credit-reporting agencies (Experian, Equifax,
and Trans Union) or other regional credit reporting agencies. By submitting your personal information, you consent to our use of the information as set out in this privacy policy and such notices
and to our use of such information for the purposes set out below. If you give us your personal information, we will use it to provide you with the information you request. We may also from time to
time contact you by mail, telephone, or email to provide information that may be of interest to you, including our newsletter, special offers and details about the services we offer. You can tell
us to stop sending you marketing information at any time by contacting us. By submitting your personal information, you agree that we may for the purposes set out above disclose your information to
our agents and service providers.
We may disclose certain information about you when:
A court or governmental agency requires us to do so;
We are or may be selling all or any part of our business or merging with another business; and
We are providing information to someone with a legal interest in your information.
If you request information through our website, we will forward the personal information you submit to selected vendors, agent, brokers and other related third parties to enable us to obtain information for you. These third parties may use your personal information for their own purposes, which may include contacting you by mail, telephone or email, and any use by these third parties will be subject to the third parties’ own terms and conditions and/or privacy policies. We cannot provide requested information and detials to you unless we are able to share your personal information in this way. Also, we may share your personal information with other selected third parties that may contact you directly about their products or services.
Cookies and IP loggin
This website uses cookies. A cookie is a piece of data that may be stored on your computer while you visit a website. The cookie stored by this website will be used to identify your computer. You may disable the use of cookies in your internet browser, but this will restrict your use of our website. When you visit our website, our server will automatically record your IP address and the time and duration of your visit. We may also use the records of the pages you visit on this website to analyse trends, administer the site and track your movements through the website so that we can improve the usability of and access to the website.
Accessing your Personal Information
You have a right to ask us to provide you with the information we hold about you and to have any inaccuracies corrected. If you would like to do so, or you have any other queries about this policy, please contact us.