Business Details
Your Trusted Mortgage Partner in Homeownership
At ACS Mortgage, we have dedicated ourselves to helping individuals achieve homeownership through personalized mortgage solutions. With over a decade of industry experience, our team understands the complexities of the mortgage market and works diligently to guide clients through every step of the process. We prioritize clear communication and accessibility, ensuring our clients feel supported from initial consultation to closing. Our expertise spans various loan types, including fixed-rate, adjustable-rate, FHA, VA, and USDA loans, allowing us to tailor options to meet diverse financial needs.We are committed to simplifying mortgage acquisition by leveraging advanced financial tools that empower informed decision-making. Our passion for helping clients realize their dreams of homeownership drives our dedication to excellence, as reflected in our track record of successful closings and satisfied customers.
Services
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Jumbo Loans
Reverse Mortgages
Highlights and features
- We offer over 12 years of mortgage industry expertise.
- Our team provides personalized loan solutions for unique financial situations.
- We simplify mortgage processes with advanced financial tools.
- Our staff maintains transparent communication throughout the lending journey.
- We specialize in diverse loan products including FHA, VA, and USDA options.
Services
Fixed-Rate Mortgages
Fixed-rate mortgages provide consistent interest rates and predictable monthly payments throughout the loan term. Ideal for borrowers seeking long-term financial stability, these loans typically offer 15-, 20-, or 30-year terms. Our team helps clients select optimal fixed-rate options based on individual financial goals and credit profiles.
FHA Loans
FHA loans offer accessible homeownership opportunities for low-to-moderate-income borrowers. These government-insured mortgages require lower down payments and have flexible credit requirements. We specialize in guiding first-time buyers through FHA loan programs to achieve affordable financing solutions.
VA Loans
VA loans provide favorable financing terms for eligible military veterans and active-duty personnel. These zero-down-payment options feature competitive interest rates and no private mortgage insurance requirements. Our specialists assist veterans in navigating VA loan benefits to maximize their homeownership opportunities.
USDA Loans
USDA loans support homebuyers in rural and suburban areas with zero-down-payment options. These low-interest loans target income-qualified applicants seeking affordable housing solutions. We help clients determine eligibility and complete USDA loan applications for qualifying properties.
Reverse Mortgages
Reverse mortgages convert home equity into accessible funds for seniors aged 62+. These loans allow homeowners to receive payments while retaining property ownership. We provide comprehensive counseling to help older clients understand reverse mortgage terms and repayment conditions.
People
Charlotte Roehrig
President & Mortgage Loan Officer
With 25+ years in mortgage banking, Charlotte leads ACS Mortgage as Broker Owner. Her expertise in loan origination and commitment to client success drives our team's personalized approach to homeownership solutions.
Questions
What mortgage loan types do you offer?
We offer fixed-rate, adjustable-rate, FHA, VA, USDA, conventional, jumbo, and reverse mortgages to meet diverse homebuying needs.
How do I start the mortgage application process?
Begin by completing our simple loan information form or contacting our team directly to discuss your homeownership goals and financial situation.
Do you offer first-time homebuyer programs?
Yes, we specialize in FHA loans and other programs designed to help first-time buyers achieve homeownership with lower down payments.
Can veterans access special mortgage benefits?
Absolutely. We help eligible veterans and service members utilize VA loans with zero down payment options and favorable terms.
How do adjustable-rate mortgages work?
ARMs feature initial fixed-rate periods followed by periodic rate adjustments. We explain how these loans balance initial savings with potential future payment changes.
What credit score do I need for a mortgage?
Minimum requirements vary by loan type. FHA loans accept scores as low as 580, while conventional loans typically require 620+. Our team helps determine your eligibility.
