Acra LendingHelping 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.
Acra Lending (acralending.com) has 155 customer reviews on Five Star Index, with an average rating of 4.7 out of 5.
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Investments & Wealth · Seal Beach, California
Excellent
Investments & Wealth · Irvine, California
Excellent
Investments & Wealth · Calabasas, California
Excellent
Investments & Wealth · Orange, California
Excellent
155 approved reviews, newest moderated first
LC
This bank does not loan money. Do not waste your time. There LTV is horrible. They have so many requirements that will make a loan impossible. Very high interest. If you like wasting your time and hurting your credit and not getting a loan this is the bank for you. They also are very slow at underwriting. It could take months.
Leonard H.
Great service from the entire team. They made the process very smooth.
Response from Acra LendingApr 10, 2024
Thank you, Leonard, for the kind words! You review is much appreciated!
Andrew Z.
In an industry that is ripe with rigidity when it comes to lending products, Acra stands out. They are very wholistic when it comes to assessing a borrower, loan, and property - which provides products to consumers whom otherwise may struggle or fail to close on transactions. I will do business again with Acra and look forward to it!
Response from Acra LendingApr 10, 2024
It's fantastic to hear that our approach has allowed us to provide products to consumers who may have struggled or faced challenges in closing transactions elsewhere. We're delighted that you had such a positive experience working with us, and we look forward to serving you again in the future. Thank you for your continued trust and support!
Julie C.
I recently had two loans that were for a foreign national. These were "difficult" loans that most lenders could not do, however, Acra handled them perfectly! My AE, Stephen Salantri, and my account manager Lindsay Stafford partnered with me throughout the entire process. Without them, I would not have gotten these loans to close. They are very responsive, knowledgeable, and diligent. We also needed to move these loans through closing very fast and Alexandra Miller and Alynne Clay from the closing and funding dept. were critical in meeting our closing deadline. I highly recommend Acra Lending for all Non-QM loans. They truly help you succeed!
Response from Acra LendingApr 10, 2024
Thank you so much for sharing your recent experience with Acra Lending! We are thrilled to hear that our team was able to handle your difficult loans for foreign nationals with perfection. We appreciate your recommendation for Acra Lending and we're here to continue helping you succeed with all your Non-QM loan needs. Thank you again for choosing Acra Lending!
Frank L.
I was working a Bk Stmt deal for several months with Stephen Salantri and Valerie Shields. There were times when we thought the deal was going south due to some challenging conditions. It wasn't really a pleasant experience, but Stephen and Valerie hung in and pushed and shoved until we got to CTC. I appreciate their efforts !
Response from Acra LendingJun 24, 2024
Hi frank, Thank you for sharing your experience with us. We understand that navigating through challenging conditions can be stressful, and we appreciate your patience and perseverance throughout the process. We're glad to hear that Stephen and Valerie were able to assist effectively, pushing through obstacles to reach a successful close to clear. Thank you for recognizing the hard work and efforts of Stephen and Valerie. We look forward to assisting you in future transactions. Best regards, The Acra Lending Team
Frances R.
Acra saved my loan when another lender was unable to close it.
Response from Acra LendingFeb 21, 2024
We're delighted to have been able to assist you and successfully close your loan when faced with challenges. At Acra, we are committed to providing solutions and ensuring a smooth lending process for our clients. If you have any more needs or questions in the future, please don't hesitate to reach out. Thank you for choosing Acra!
Gonzalo
I would like to express my appreciation for Jacob and Michelle's exceptional assistance with my borrower. Their teamwork was outstanding, and it reaffirms my decision to choose ACRA Lending for their unwavering support and competence throughout the entire process.
Response from Acra LendingFeb 21, 2024
Thank you for your kind words! We're thrilled to hear that Jacob and Michelle provided exceptional assistance. At Acra Lending, we're committed to delivering unwavering support and competence. If you have any more questions or need assistance in the future, we're here for you!
Nicole J. T.
Closed a bank statement program loan for $1.6m. Our rep Stephen Salanitri was very responsive and hand holding when needed. Ops is fast we well and very streamline if you follow the process it's smooth. Had my CTC 1.5 early. Thanks Stephen and team.
Response from Acra LendingFeb 21, 2024
We appreciate your kind words about Stephen! Providing excellent service and guidance is what we strive for at Acra Lending. If you ever need assistance in the future, don't hesitate to reach out. Thank you for choosing us