Serving Our Community Since 2002 – Licensed in NJ, CT, PA, DE, AL, DC, MD, VA, NC, SC, GA, FL, TX, TN, IN & CO
What We Offer
Comprehensive Mortgage Solutions – Home Purchases, Refinancing & Specialized Loan Programs
Home Purchase Loans
Whether you're a first-time homebuyer or looking to upgrade, Acre Mortgage offers a variety of loan programs to suit your needs. Our experienced loan officers guide you through the process, ensuring a smooth and efficient journey from application to closing. We provide financing options for primary residences, second homes, and investment properties, including single-family homes, multi-family units, and condominiums.
Refinancing Solutions
Take advantage of our refinancing options to lower your interest rate, reduce monthly payments, or access your home's equity. Acre Mortgage offers both rate-and-term and cash-out refinancing solutions tailored to your financial goals. Our team will help you assess your current mortgage and explore opportunities to improve your financial situation.
Specialized Loan Programs
Acre Mortgage provides specialized loan programs to meet diverse financial needs. Our offerings include FHA loans, VA loans, USDA loans, and renovation loans, among others. We utilize the latest decision-making and application tools to provide an easy and smooth experience from application to close. Our goal is to provide innovative financing solutions and processes to our clients based on integrity, honesty, and transparency.
Book A Call With Our Expert Loan Officers Today!
Ready to take the next step in your home financing journey? Our expert loan officers are here to guide you every step of the way. Whether you're buying, refinancing, or exploring loan options, we provide personalized solutions to fit your needs. Book a call today
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.
