Welcome! 530+ credit for FHA & VA. Currently licensed in Ohio only. 

                     Apply now or request free consultation.

  • Welcome To Our Web Site. We Will Help You With ...

  • Purchasing A New Home...

  • Get You Out Of Your High Fixed Rate...

  • An FHA or VA Loan...

  • Whatever your funding needs. We can help. Get Started. Apply Online Today...

FREE CONSULTATION

Complete this 30 second form to receive a no obligation consultation. We will analyze your situation and determine the best solution.

Welcome To ACF Mortgage LLC

At ACF Mortgage LLC, we treat each customer as an individual, not a number. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of lenders. This allows us to get you the best rates available for your circumstance on all types of loan programs. We offer Conventional, Jumbo, VA, FHA, FHA 203k, Construction and Commercial. We work with those that have 530 or higher credit scores. Whatever your situation we'll find a program to fit your needs or help you position yourself to be ready!

 

Purchase

We work conforming and non-conforming real estate loans.

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Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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DO I QUALIFY? BASIC REQUIREMENTS:

  • Here are more of the bare minimum or basics that our underwriters would be looking for:
    • Someone who has minimum middle credit score of 530 (preferably higher).
    • Someone who has had no late payments and no new collections in the last 12 months or more depending on the program.
    • Someone who has had no late rental or housing history in last 12 mo.
    • Someone who has been employed or has a fixed source of income for at least the last two years AND expected to continue.
    • Someone who if they do not have traditional credit established can provide payment histories for 3 add'l non-traditional accounts ie cell phone, car insurance, day care, storage and/or utilities. 
    • Reserves (cash left in the bank after closing) - depending on the circumstance would determine if and/or the amount of reserves required.

FHA loans

There are lots of good reasons to choose an FHA loan.
To get started click here

Latest News

Parliament must be fully informed on Brexit strategy - opposition leader

Newly re-elected opposition Labour Party leader, Jeremy Corbyn, speaks during Labour's women's conference on the eve of the Labour Party annual conference, in LiverpoolBritain's parliament must be kept fully informed about the government's strategy for leaving the European Union, Jeremy Corbyn, leader of the main opposition Labour Party, said on Sunday. Prime Minister Theresa May has said parliament would play a role in Britain's exit from the EU but that she will be leading the negotiations and will make the final decision on what deal the country gets. Asked by the BBC's Andrew Marr whether that was democratic, Corbyn said: "I don't think it's democratic and I don't think it's sustainable at all." "This is a huge political issue, it's the most significant economic issue facing Britain in my or your lifetime and I think at the very least parliament should be fully informed." He said Labour had set up a Brexit team to demand information from the government and also get involved in talks.


Testimonials

What People Are Saying
Kim treated me like family answered all of my questions. She helped me through the loan process and more. I can't thank her enough. Thank you Kim Lawson Sandy S.
 Kim was awesome! She answered all of my questions in a way I could understand, never made me feel like I was a bother and worked around my crazy schedule. This was my first home purchase and she made a very stressful process a lot easier to deal with. Jacob C.
Kim is the best. She worked hard for us. Answered everything and did great. She was always on the spot and or called back asap. Yes, I would recommend her to friends and family members. Brandon D
Kimberly Lawson was informative and helpful. I would highly recommend her services. I can't than her enough for being patient with us and so kind. She made our dream come true! The whole applying for a mortgage process is stressful and to be honest a little scary. Many people have no idea where to even start, like myself. I'm glad she responded to a question I had on Zillow. She has made this process stress free and easy! I highly recommend if you're shopping around for a lender or just have questions you get in touch with Kim Lawson. Necole R
Kimberly Lawson is the absolute best at what she does. My fiance and I were about to give up looking for a home and keep renting an apartment. July of 2014 we found her on a home selling website. Someone like me had left a huge review about how they had almost given up and she had gotten them a home loan so we called her up. September 26 last year she finalized our loan. We had went through every lender around with all the hoops in between, with Kim she simplifies everything and as long as you can hold up your end of the bargain you will not be disappointed! Thanks again Kim keep up the great work! P.S. we love the house!!! Tommy V
We are extremely satisfied with our experience. Our loan officer, Kimberly Lawson, was outstanding. She was on top of everything and worked really hard to make sure we were informed at each step of the process. She is so client focused and she really knows what’s she’s doing which resulted in us feeling confident about our loan. Thank you! Marsha R.

I had dealt with a few lenders and ended up walking away from the deal because of the running around the mortgage lender was making me do. Wasting my time and money way before I even closed on the house. So I had to go find a new lender and by chance came across Kim lawson, I decided to give her a try. She was very knowledgable on many different things, she was constantly keeping me updated and always making sure things were in my best interest. Most importantly she made things on my end very easy and never wasted my time. I am very grateful for her services and would recommend someone give her a try just as I did. William M. Jr 
 
Kim Lawson was absolutely amazing! She was able to make buying a home stress free. I am so glad I found her and will only use her in the future. I recommend her to anyone looking to buy a home; and already have. Matthew W.
Kim Lawson was amazing!!! I came in with low expectation because I had a low credit score and had been turned away by other lenders. She took us under her wing and guided us through the whole process. Long story short we have closed on our dream home and look forward to moving all thanks to Kim Lawson. Thank you so much! Mem S.
We appreciated everything you did. You worked very hard to serve us! You kept us informed at all times, even with the smallest detail. You returned all of my calls quickly and with the answer to my question. You did exceptinally well with everything! Thank you! Amanda S.
Ms. Lawson was very detailed oriented when explaining everything to me, which helped me understand all the paperwork needed to buy a house. I appreciated everything she helped me with and with all my frustrations associated with it. Kim was very professional and the service offered to me from her was well above what I expected. She is awesome at what she does and her employer is lucky to have her as an employee. Thanks Kim!!!! Wendy H.
Kimberly anticipated issues and attempted to resolve them while keeping me informed of all developments. You were especially good at keeping in frequent contact with me with specific information to help the process along. Regina K.
We appreciated how you explained each and every step from beginning to the end. It helped us to understand, being first time home-buyers. We definitely will recommend friends and family to you as soon as we hear they are looking to buy a home! Rhonda T.
 

Licensed by Ohio Division of Financial Institutions

MB.801981.000 NMLS: 248519

Ohio Loan Officer License:  LO.4495.000 NMLS:  5601

 

Kimberly Ann Lawson

Mortgage Loan Originator

Phone: 888-659-3848

Fax: 888-418-1950

www.yeskimmortgage.com

 

ACF Mortgage LLC

6111 Madison Rd

Cincinnati, OH 45227

T: 513-755-7650    F: 513-755-4477