Generally the lender will require proof of employment and income in the form of paystubs and/or tax returns and proof of assets in the form of bank statements.  Usually, this documentation and a credit report is sufficient for the lender to determine whether the borrower can afford the requested loan amount.  If the information is acceptable, then any appraisal and preliminary title report will be required.

  This will vary from loan to loan.  It is possible for a refinance to be completed in just 4 to 6 days, based on the availability of the appraisers, title companies and the type of loan you choose.  On an average basis, a purchase will take 2 - 3 weeks.  A refinance will take, on average, ten days.

  You will find the rates at Home Acceptance Corporation are lower than those at your local bank.  The rates offered through Home Acceptance Corporation are wholesale rates, not retail rates you would otherwise find at a bank.  Home Acceptance Corporation does not have the restrictions of banks.  The programs available are very broad and Home Acceptance Corporation can work with A+ borrowers as well  as people with damaged or less than perfect credit.

  Yes.  Home Acceptance Corporation has a wide variety of programs available to the self-employed borrower or the borrower who has a hard time proving all their income.

  The only out-of-pocket expense is for the appraisal.  This averages about $300.00.  We do have the ability, on refinances, to put all closing costs into the loan so that you have no out-of-pocket expenses.  The quote you receive for this through Home Acceptance Corporation will include all expenses added to the loan.

  Yes.  Home Acceptance Corporation has a wide variety of loans that fit almost every situation.

  We invite you to call 1-800-523-0180 and speak to one of our Mortgage Specialists today to discuss affordable financing solutions that you need and the service and respect that you deserve.