Your Trusted Mortgage Partner Since 2002
For over two decades, Acre Mortgage has been helping individuals and families achieve their homeownership dreams. With
licenses in 17 states including New Jersey, Connecticut, Pennsylvania, Delaware, District of Columbia, Maryland, Virginia, North Carolina, South Carolina, Georgia, Florida, Texas, Tennessee, Indiana, Alabama, and Colorado, we are equipped to serve a wide range of homebuyers and homeowners.
✅Experience & Expertise
– Since 2002, we’ve built a reputation for providing reliable mortgage solutions with integrity and personalized service.
✅Diverse Loan Options
– We offer a variety of loan programs, including Non-QM, HELOCs, HELOANs, Construction Loans, and more, ensuring that we have the right fit for your unique needs.
✅Seamless & Transparent Process
– Our team is committed to guiding you through every step with clear communication, efficiency, and expert support. Whether you're purchasing, refinancing, or exploring specialized loan options, Acre Mortgage is here to help. Contact us today and experience the difference!
Serving our community for over 20 years.
Frequently Asked Questions
When should I consider refinancing my mortgage?
Refinancing may be a good option if you want to lower your interest rate, reduce your monthly payments, switch from an adjustable-rate to a fixed-rate mortgage, or tap into your home’s equity for cash. It’s best to evaluate your financial goals and market conditions before making a decision.
Will refinancing my mortgage impact my credit score?
Refinancing involves a credit inquiry, which may cause a slight dip in your score. However, if you make timely payments on your new loan, your credit can recover quickly, and you may even see improvements over time.
How much does it cost to refinance my home?
Refinancing costs typically range from 2% to 5% of the loan amount and may include fees for the application, appraisal, title search, and closing. Some lenders offer no-closing-cost refinancing, which rolls these fees into the loan balance.
What credit score do I need to qualify for a home loan?
While requirements vary by loan type, a conventional mortgage typically requires a credit score of 620 or higher. FHA loans allow for lower scores, often starting at 580 with a low down payment. VA and USDA loans also have flexible credit requirements.
How much down payment do I need to buy a home?
The down payment depends on the loan type. Conventional loans typically require 5%–20%, FHA loans allow as little as 3.5%, and VA or USDA loans offer 0% down payment options for eligible borrowers. Down payment assistance programs may also be available.
