Specialty Mortgage Services
Mortgages for First-Time Homebuyers & Investors
Fixed or adjustable rates with flexible terms.
Lower down payment options for first-time home buyers.
No down payment for eligible veterans and surviving spouses.
No down payment for homes in eligible rural areas.
1x & 2x close options
Creative approaches to purchasing investment properties; Bank statement loans & Net Operating Income/Cash Flow
Combining purchase and renovation costs into one mortgage, perfect for buyers looking to update a home.
Seller/Builder/Lender Paid program reduces the buyer’s initial monthly payments.
Available for Conventional, VA, and FHA loans.
• 3-2-1 Year available on Conventional loans, VA loans, and FHA loans.
• 2-1 & 0-1 Year available on Conventional loans, VA loans, and FHA loans.
DSCR-based loans for investors, simplifying qualifications by focusing on potential rental income.
Available for purchase or cash-out refinance, including non-warrantable condos, co-ops, and condotels.
For purchase and cash-out financing, including investment properties.
Short-term financing for clients transitioning between homes, enabling borrowers the flexibility to make non-contingent offers and buy before the sale of their current home.
Ideal for high-net-worth buyers who qualify based on assets, not income.
Access home equity without refinancing the primary mortgage.
Empowering non-SSN (Tax Payer ID) borrowers in the US.
Financing for non-US residents investing in US properties.
Qualify based on potential rental property income, not personal income.
Helps self-employed borrowers qualify using bank statements instead of traditional income documentation.
Providing more affordable homeownership opportunities for your clients.
To assist with down payment and closing costs *Check for availability
Frequently Asked Questions
Yes! Knowledge is power, beyond understanding your own buying power, it allows for the process to move much faster once you’ve found a home and made your offer.
Here are the five things that you need to get together to start the pre-qualification process:
– Proof of income
– Proff of assets
– Credit Score (Good credit)
– Employment verification
– ID Documentation
Yes it can. These changes can come from a variety of factors including fluctuating interest rates, property tax assessments that can change by property location, and other factors. We can discuss these together during your pre-qualification process.
Getting You Into Your New Home
© 2025 Atlantic Coast Mortgage, LLC ("ACM") markets certain of its products and services under the trade name, Nucasa Mortgage, and in Pennsylvania markets certain of its products and services under the trade name, ACM, LLC of PA. All rights reserved.