VA Loan – Manual Underwrite – 500 Minimum Score

Army Family Series: Real American Soldier With Wife & Son

VA Key Underwriting Criteria There is no maximum debt ratio. However, the lender must provide compensating factors if the total debt ratio is more than 41 percent. There is no maximum loan amount. However, VA does limit its guaranty. Veterans can borrow up to $484,350 without a down payment in most of the country and… [Read More]

NO Overlay Lender


What is a NO Overlay Lender you might Ask? Access Capital Group, Inc. is a NO Overlay Lender meaning we approve loans to the Investor Guidelines and have done so since 2001. A “Lender Overlay” is a guideline (or set of guidelines) on top of the actual investor guidelines.  An investor would be Fannie Mae,… [Read More]

2019 Loan Limits Now Allowed on Conventional Products

2019 LOAN LIMITS NOW ALLOWED ON CONVENTIONAL PRODUCTS As announced today by the Federal Housing Finance Agency (FHFA), the standard and high-cost area loan limits for Fannie Mae and Freddie Mac are increasing. The base loan limit in most of the country will be $484,350, which represents a 6.9% increase over the 2018 limit.  All… [Read More]


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