Acra Lending

3 Ada Parkway Suite 200A
CA, Irvine 92618

About Us

Helping mortgage professionals achieve their clients’ purchase and investment goals, Acra Lending was formed to specialize in alternative income products, such as bank statements, asset depletion and verification of employment programs. Our programs have been developed over years to include fixed and adjustable rate mortgages (ARMs) for residential properties on both an owner-occupied and non-owned occupied basis.

Licensed by the National Mortgage Licensing System (NMLS) and operating in 39 states and DC nationwide, we offer our programs and services through four distinct verticals: Wholesale Lending, Consumer Direct Lending, Investor Lending, and Correspondent Lending. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency.

What We Offer

Lending Territory
  • Nationwide except: AK, HI, IA, MA, MS, MO, NM, NY, ND, SD, WV
Loan Types
  • Non-QM
  • Bank Statement
  • Foreign National
  • Investor Cash Flow/DSCR
  • ITIN
  • Jumbo Non-QM
  • ATR-in-Full
  • Business Purpose
  • Condotel
  • Interest Only
  • Investor Loans
  • 1099 Only
  • P&L Programs
  • WVOE
  • Non-QM Niche
Loan Purposes
  • Purchase
  • Refinance
  • Investment
Loan Amounts
  • $100K - $4M
Max Ltv
  • 90%
Borrower Types
  • Citizens
  • Perm. Residents
  • Non-Perm. Residents
  • ITIN
Credit Requirements
  • 600+
Documentation
  • Full Doc W-2
  • 1040's
  • Bank Statements
  • P&L
  • 1099 Only
  • Asset Conversion
  • DSCR
  • ITIN
  • Net Rents
  • Asset Depletion
  • ATR-in-Full
  • WVOE Only
  • Investor Cash Flow NOO DSCR
Property Types
  • SFR
  • 2-4 Unit
  • Condos
  • Townhomes
  • Condotels
  • Non-Warrantable Condos
Loan Terms
  • 30 Year Amortized & Term
  • 5/1 Hybrid ARM
  • 7/1 Hybrid ARM
  • 30 Year Fixed
Occupancy
  • Primary
  • Second Home
  • Investment

Who We Are

I wanted to thank the team at Acra for all their help, once again they saved the day. This was the 3rd file I pulled from another lender that was a nightmare & it closed with Acra smoothly.

Christian S.

One thing I appreciated about Acra Lending was how quickly they cleared conditions. The conditions were simple and straightforward, and they made sure that everything was taken care of promptly.

Daniel A.

Acra consistently demonstrates a deep understanding of strategic home loan products, and they implement a commitment to delivering top-notch solutions for the borrowers needs.

Darrel B.

Contact Acra Lending

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