"I am not one to leave reviews, but I can't say enough about ACSI and Bill K! As a first time home buyer, Bill walked me through every step of the process. He explained everything to me step by step and had so much patience with me and all my questions! He worked quickly and from start to finish he has been encouraging-even when things didn't always go as smooth as we had hoped, he was able to get me through and we came out better on the other side! I would recommend Bill and this company to anyone who is looking for financing their home!"
"What a great experience going thru the finance process with Dean. I really appreciated his constant communication and how thoroughly he explained everything. He always picked up the phone when I called and was very patient with all my questions. And everything went just as he advised - there were no surprises. Would highly recommend this firm for all your lending needs. Thanks again, Dean! :)"
"If anyone is looking for a service to provide you with a loan. Let me tell you Murad is just the best well informed gave us everything up front about what to expect from the process. We had many bumps in the process, but he kept me calm explaining everything along the way. He never gave up and went above and beyond to make our dream of owning a home by the beach. We are fortunate and forever grateful to this man for every thing he did for us. We get our beach home key tomorrow. Thank you so much to you and your team for never giving up and doing your job so well. We recommend this company to anyone you will not regret it."
"Bill was amazing throughout the entire process! He was very helpful and answered ALL of my questions and made sure i understood everything at all times. I will be recommending him to family and friends in the future. Thank you so much Bill, you are greatly appreciated!!!"
"My experience with Approved Credit Service was amazing they were there whenever I needed them and helped me understand the process. I also want to mention Bill who without I wouldn’t be able to buy my house. 10/10 would recommend"
"Thanks to Bill! The process was efficient and he answered all of our questions and concerns. He worked quickly to get us the home we needed. His work was outstanding! Thank you!"
"I would rate this company 1000 stars if there was an option to do so! Bill was an amazing guy to work with! Answered all my questions when I had any! He had fast response time! He is over all awesome! I definitely recommend this company to anyone! Keep up the great work Bill! Made it possible for us to have our forever home!! Thank you for everything Bill!"
"This company was wonderful to work with! We are first time home buyers, and Murad made sure we were up to date and understood every step of the process. ACS made a very intimidating process so smooth and easy to navigate, and I highly recommend working with them! 10/10!"
"My experience with Approved Credit Services has been incredible! This was the most smoothest home ownership transition ever! Dean was helpful and very pleasant. He made this experience so easy. He was always available and so easy to communicate with. I am forever grateful for making my home ownership possible! God bless!"
"We had the extreme pleasure of working with Dean K , and I have to tell you that this young man takes care of business . Things could not of gone any smoother , and Dean quickly responded to all of our questions . These fine people work hard for there customers , and I would recommend them to all of my friends and family without hesitation ."
"Dean got our information and found right mortgage for us. Always kept in touch with us through the whole process. Quickly responded to our calls and answered any questions we had. Made the whole process of buying a home easier."
"Bill was AWESOME, he guided me through my entire approval/buying process and answered any questions I may have had. As a first time homebuyer it was scary YET Bill made it smooth."
"This was my first time working with a loan company instead of a mortgage company. The people were wonderful and walked me through every step of the process. They kept me informed every step of the way. Without their help, this would’ve been a very confusing process. I would highly recommend."
"Bill was thorough and on top of everything from the beginning til funding.. he was patient with me getting the needed paperwork and stayed in constant email and phone contact!! Bill was excellent!!! We were very pleased !"
Looking to Purchase?
Dream of a new home
Every couple or a working individual has dreams of owing their own home. Owning a home is indeed a key to long term financial security and independence. Buying a home is the single most important economic decision in one's life and one must be prudent and careful in selecting the appropriate manufactured home loan provider. We offer unique and exceptional customer service with free loan analysis and recommendation of appropriate loan programs best suited to your needs.
Select a new home to buy
However, selecting a new home is another vital decision and it must be done with proper consultation or through a reputable real estate agency. Your home is your investment and your dwelling as well, and it must be selected with care. If you have not selected a home thus far and would like to buy one or refinance your existing home, we have the expertise to meet your needs. Meet or call your loan analyst to find out how much you qualify for. Find out if you can lower your existing monthly payments on your current loan or get the cash you need. You can begin the loan application process by getting your loan pre-approved.
Apply to Purchase a home
The key to start the loan process is to apply for a loan. Applying for a manufactured home loan is merely a process to collect appropriate information regarding your income and credit history, however, it is the most essential step towards owning a home. Don't hesitate in applying for a loan, there is no obligation. Starting with the information you provide us, we will work to obtain approval for a loan that meets your purchase needs.
Get pre-qualified and get pre-approved
Get pre-qualified. First and foremost it puts you in a position as a homebuyer to know exactly how much you can afford. In addition, as a pre-qualified buyer you have a stronger standing than a buyer who is not pre-qualified. It is an important advantage in today's fast paced manufactured home market. Next, get pre-approved. A pre-approval shows that you have provided the complete paper work (listed below) and your loan has been underwritten and approved. A pre-approval is strongly suggested as it will show the seller of a home that you are serious and qualified. It will also help to close the loan quickly and get you into your new home.
Shopping for the right loan
Looking for the right loan program can be difficult with so few lenders to choose from. We recommend that a buyer consider some questions before buying a new home. Is this a starter home? Will I be moving in five years? How much can I afford per month? How much cash do I have available for down payment and closing costs? What will the payment be? Is this the right house for me? Is this the right loan program for me? Different loan programs work to your advantage in different situations. If you're planning on staying in your home for several years a fixed loan may be best. On the other hand, if your goal is to sell in just a few years an adjustable rate with a lower initial interest rate or an interest only option may work more to your advantage. Another key factor in understanding different loan programs is to be aware of the interest rates. The more of a down payment your can provide, the lower the interest rate may be. Shopping for and comparing loans can be tricky. What loan is right for you? We take pride in our seasoned loan analysts and their ability to help you choose which loan is appropriate for your goals and needs.
Organize essential documents and get credit report
W-2s and Pay Stubs.
Self-Employed Tax Returns and P&L Statements.
Rental Property Agreements and Tax Returns.
Bank Statments.
Copies of other retirement savings.
Divorce Decree, if applicable.
Bankruptcy papers (Must be 3-4 years discharged).
Get a credit report
Obtaining a credit report is essential and it has to be done in the early phase of the loan application and loan process. A lender is not in a position to offer or quote an interest rate or a loan program without knowing your FICO score or without examining your credit report. Perfect credit, not so perfect credit, or even bad credit doesn't imply that you are automatically approved or can not be approved for a loan, and it also doesn't imply that you have less chances with bad and more chances with good credit. It is merely a device to determine a loan program and interest rate, but an essential and necessary step that every loan applicant must take. Our lenders do require a credit score of at least 620 to qualify.
Select loan program
25 year fixed
20 year fixed
15 year fixed
10 year fixed
Loan approval and sign the documents
Once we have received your completed loan application, our approval process begins. This involves verifying the following information:
Credit report
Employment and income history
Personal Assets: Bank accounts, Brokerage accounts...
Home value and title review
Additional documents may be requested.