Proud to be here

With the completion of our recent merger, Accredited is now a part of the Lone Star family. This gives us a new source of capital to grow our business. Armed with Lone Star's backing, we are ready to move forward - with a new menu of products and a continuing focus on service and quality.

The mortgage market we're re-entering looks vastly different, with a more select pool of customers, more prudent product qualification requirements and far fewer brokers and lenders.  We were able to survive the storm that created this landscape
because of the actions we took in the years leading up to it - and importantly, by meeting our financial obligations even as the market challenges continued. Yet we emerge a stronger company, having navigated through some very hard times.  Going forward, we're convinced that opportunity abounds for those of us who believe in doing right by the customer. We're proud to be here and ready to do business!

The new non-conforming

Accredited's new non-conforming menu looks different from the sub-prime offerings of years past. We've designed it for creditworthy borrowers that just miss agency underwriting guidelines - for reasons like larger loan sizes, non-traditional asset types or occasional credit blemishes.

Take a look at what our guidelines include:

• Loan amounts up to $750,000
• LTV up to 90%
• No mortgage insurance
• Financing for 525 FICO and above
• Various doc types, including bank statement and stated options
• Interest only and 40-year terms available
• Cash out options
• Financing for non-owner occupied properties

Your Accredited account executive can help you find the right product to meet your qualified borrower's needs.

Some things haven't changed

Our product menu may be different now, but we think you'll appreciate a few important things that haven't changed:

• Stable, committed leadership - The team that steered our company through the turbulence of the late ‘90s and the challenges of this year remains at the helm following the merger with Lone Star.
• Knowledgeable and professional account executives - We've retained the best and brightest of our sales force so we can grow our businesses together.
• A commitment to industry-leading turn times - Our inside teams understand the importance of exceeding customer expectations at every step of the loan process.
• Convenient and easy-to-use technology - Our FRONTDOOR® system offers quick, efficient and reliable underwriting and loan tracking, all at your fingertips 24/7.

We are here to help...with a wide range of solutions for your borrowers and a commitment to your success.  All from a lender who has been there in the past and will be there in the future: Accredited Home Lenders.

Contact your Account Executive today!