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Acceptance Home Loans offers a variety of loan programs to meet your needs. Shopping for a mortgage is an important venture. You want to be sure that you select the home loan program that works best for you and will help you achieve your financial goals. If you only plan on being in your home for a couple of years you might consider taking advantage of the lower mortgage rates often available with an adjustable rate mortgage or ARM. A fixed rate mortgage might be a good choice if you are putting down roots and intend on owning your property for the foreseeable future. 

Check to see whether you qualify for special government mortgage financing which could allow you to put little or no money down as a down payment. These loans include FHA mortgages, VA loans, and USDA rural housing loans. 

 We offer the lowest rates today with FAST and Quick Service


30 Year Fixed FHA
VA Loans
Conventional Loan
Reverse Mortgage
Jumbo Loans

30 Year Fixed FHA
FHA Loan Programs The Federal Housing Administration (FHA) has a number of loan programs to help you become a home owner, and we can help find you the right loan program to suit your needs. There are lots of programs and options to choose from, but rest assured, that from start to finish, we know FHA and can get you the best loan for which you’re qualified. Since we are experts in FHA loans, you can be assured that we can make the process as smooth and efficient as possible. •Credit scores as low as 580 •Fixed rate, adjustable rate, and high balance loan options •$100 down payment for HUD owned real estate (per HUD approval) •FHA Streamline with no appraisal, no income and credit scores as low as 620 •$100 down payment for police officers, teachers, and paramedics with the Good Neighbor •Next Door program •Save on your energy bills with an Energy Efficient Mortgages (EEM) •Roll in the cost of a remodel with a 203(k) Streamline non-structural rehabilitation loan •May be eligible for reduced wait times for bankruptcy and foreclosure Call us today to get started. 817-878-4220

Term: 30 years   Maximum Amount: $271,000

Down Payments Gifts, Loans, and Your 401K

Loans and gifts from family, friends, and other organizations can help you put together a down payment sufficient for your home loan needs. The percentage of the loan or gift that is available for use as a down payment can vary depending on the type of home loan you qualify for. It is important to discuss any loans or gifts you plan to use as a down payment with your mortgage loan officer.

Many companies also offer programs to their employees to make the home buying experience easier. 401K plans are often used for the purpose and employees are permitted to withdraw from their 401K plans without penalty to provide a down payment on a home loan. Making use of your 401K program can be useful and beneficial but there can be drawbacks that must be examined.

VA Loans
VA Home Purchase Loan Current low interest rates and VA purchase loans are a winning combination to help you buy a home. VA loans offer great features such as no money down and credit scores as low as 620. Competitive rates and no mortgage insurance premiums may mean lower monthly payments than conventional loans.•Option for no down payment •No monthly mortgage insurance premium •Low to no reserve requirements •Credit scores as low as 620 •VA Jumbo with loan amounts as high as $1.5 million are available •Variety of fixed and adjustable rate loan options available •Seller or lender may contribute to veteran’s closing costs Call us today to get started at 817-878-4220. Dial extension 1 for the sales line.

Conventional Loan
Buy a home without draining your savings account. This attractive home loan program requires only 5% down, which can come from gift funds or community seconds. •“All gift” down payment allowed from acceptable gift donor •Community second and seller contributions allowed •Credit scores as low as 620 •Specific mortgage insurance requirements apply. Ask for details. Gift funds, seller contributions, and community second allowed You can enter into a conventional mortgage loan for as low as 5% down and with the option of no mortgage insurance or with mortgage insurance. Call us to price out your options for your mortgage loan today!!

Reverse Mortgage
If you are at least 62 years old and own your own home, a reverse mortgage may be a useful financial tool. There's no limitations to how you use the money, so you can cover medical expenses, fund education for your grandchildren, or any other reason. With a reverse mortgage, you can access the equity in your home, without having to make monthly mortgage payments. The loan would come due when you sell the home, move out permanently, or pass away. Stipulations include maintaining primary residence, keeping current on property taxes and insurance, and making sure the house is properly maintained. Call us today to see if you qualify. As part of the process, you then work with an independent reverse mortgage counselor, who can help you evaluate all the risks and benefits. Please note that the reverse mortgage here in described is not from HUD or FHA and the document was not approved by Department of Government Agency. Acceptance Home Loans is an AmeriMortgage Group,LLC company. And that we are an Equal Opportunity Lender!

USDA 30-Year Fixed Guaranteed Rural Housing Loans You can purchase your next home in a designated rural area with no money down with the Guaranteed Rural Housing Loan Program. These loans are eligible in a wide range of non-metropolitan statistical areas, including many suburbs. This unique loan program is offered through the Rural Housing Service, an agency of the U.S. Department of Agriculture and designed to assist low and moderate-income rural residents by providing better access to affordable housing finance options including little or no out-of-pocket costs in eligible areas.•Available to low- and moderate-income borrowers whose adjusted income is equal to or less than 115% of the area median income •For properties located in a designated rural area as determined by the U.S. Department of Agriculture: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do •Owner-occupied primary single family non-farm residences, FHA approved condos and PUDs •New construction properties are eligible •Purchase or rate/term refinance •Finance up to 100% of the market appraised value, including all recurring and non-recurring closing costs, in some circumstances (for home purchases) •Loan amounts as high as $417,000 in the continental U.S. Higher in Alaska and Hawaii. •Credit scores as low as 620 (conditions apply) •No asset or reserve requirements and gift funds are allowed Call us today to get started!

Jumbo Loans
Looking for a big loan with great terms? Our Jumbo loans can help you refinance or get you into that next house with more flexibility and less hassle. •Loan Amounts from $417,000 up to $2,500,000 •Qualify with credit scores as low as 700 •As little as 20% down payment •Can use business funds and retirement assets to qualify •No prepayment penalties To learn more about our Jumbo home loans and get the personal attention you deserve, call me today.

* FHA * VA * Conventional * Jumbo * USDA

*Reverse Mortgage* FHA 203Ks Rehab-Upgrade

* Fannie Mae Homestyle *   

*2ND Lien * Home Improvement *Investment * Niche Loans

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $29,190. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $70,000. Your actual APR may be different depending upon these factors.

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