Acra Lending Wholesale Mortgage Rates, Through an Independent Broker
Non-QM wholesale specialist, incl. investor and jumbo programs.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with Acra Lending and submits files directly into its wholesale channel. This page explains what Acra Lending is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of Acra Lending. This page reflects a genuine wholesale relationship Duane originates through directly.
What Acra Lending Is Known For
- Dedicated non-QM wholesale specialist
- Investor-property (DSCR-style) program access
- Jumbo non-QM options for larger loan amounts
Program Fit & Flexibility
Acra Lending's wholesale guidelines generally show a minimum credit score of DSCR and non-QM programs generally in the 620–680 FICO range (industry-typical for this product type), with down payment requirements of Varies by program and property type; DSCR at 75% LTV common. Loan amounts and program range: Non-QM incl. bank statement, DSCR, foreign national, jumbo prime; no GSE loan-limit cap. Documentation type: Bank statement, DSCR (no income/employment), foreign national, ITIN. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against Acra Lending's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
Acra Lending vs. a Typical Wholesale Alternative
| Feature | Acra Lending | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Dedicated non-QM wholesale specialist | Varies by lender — compare at time of application |
| Credit score flexibility | DSCR and non-QM programs generally in the 620–680 FICO range (industry-typical for this product type) | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | Varies by program and property type; DSCR at 75% LTV common | Commonly 3–5% conventional, varies by program |
| Loan amount range | Non-QM incl. bank statement, DSCR, foreign national, jumbo prime; no GSE loan-limit cap | Varies by lender and program |
| Documentation type | Bank statement, DSCR (no income/employment), foreign national, ITIN | Varies by lender and program |
Getting a Real Acra Lending Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from Acra Lending's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A self-employed borrower with a 680 credit score and 15% down on a $400,000 purchase, qualifying through Acra Lending's bank-statement non-QM program instead of standard W-2 documentation. On a $340,000 loan at an illustrative 7.5% wholesale rate, principal and interest runs approximately $2,377/month — before taxes, insurance, or PMI.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on Acra Lending's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — Acra Lending
Do I need W-2 income to qualify through Acra Lending?
No. Acra Lending is known in the wholesale market for non-QM programs, including bank-statement and asset-based qualification for borrowers who don't fit a standard W-2 file — exact eligibility depends on the borrower's documentation and the current rate sheet.
Does Acra Lending lend directly to consumers?
No. Acra Lending funds loans exclusively through independent wholesale brokers, so a broker relationship like Duane's is required to access its wholesale non-QM pricing.
What specific non-QM products does Acra Lending specialize in?
Acra Lending focuses on investor DSCR loans, 12 and 24-month bank statement programs, ITIN loans, foreign national financing, and jumbo non-QM options.
How does a DSCR loan with Acra Lending work for real estate investors?
Debt Service Coverage Ratio (DSCR) loans qualify real estate investors based strictly on the rental income generated by the property, without requiring personal tax returns, W-2s, or employment verification.
What is the minimum credit score for Acra Lending non-QM programs?
Credit score minimums generally range from 620 to 680 FICO, depending on the specific product tier, LTV requirements, and documentation type selected.
Are foreign nationals eligible for mortgage programs through Acra Lending?
Yes. Acra Lending offers dedicated foreign national programs tailored for non-US citizens looking to purchase or refinance investment properties or second homes in the United States.
Can self-employed business owners use personal or business bank statements?
Yes. Acra Lending allows qualification using either 12 or 24 months of personal or business bank statements to establish qualifying cash flow.
Are loan amounts subject to government GSE conforming limits?
No. Because Acra Lending is a dedicated non-QM investor, its portfolio programs are not subject to standard Fannie Mae or Freddie Mac loan caps, allowing for jumbo non-QM solutions.
How does the NoTouch Credit Pull protect my credit when pricing Acra Lending?
Duane utilizes a soft credit pull to evaluate your profile against Acra Lending's live rate matrix, eliminating hard inquiries until you choose to submit a formal application.
What is the standard maximum LTV on Acra Lending DSCR loans?
Acra Lending typically allows up to 75% LTV (25% down payment) on qualifying DSCR investor property purchases, subject to market conditions and credit scores.
Does Acra Lending allow ITIN borrowers without a Social Security Number?
Yes. Acra Lending provides structured ITIN loan options for borrowers who possess an Individual Taxpayer Identification Number instead of an SSN.
Why work with an independent broker rather than contacting non-QM lenders directly?
Most wholesale non-QM investors do not offer consumer-direct portals. Working with Duane provides full access to Acra Lending along with side-by-side comparison against other top non-QM wholesale outlets.
Can I refinance an existing investment property using Acra's DSCR program?
Yes. Both rate-and-term refinances and cash-out refinances are available under Acra Lending's DSCR investment framework.
Compare Acra Lending Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against Acra Lending and every other lender in the directory.
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