I can’t say enough about ACRA Lending, and especially George Noterman. George is one of the best Account Executives I have ever worked with. He truly understands mortgages, the process, and w... See more
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See what reviewers are saying
We've been working with Jordan Agosto and he has been amazing with figuring out programs for us and rushing closings when we've had to switch mid contract. Highly recommend Acra! Easily the best for b... See more
I had an excellent experience refinancing my mortgage with Kenny Vong. In a world of automated systems and rigid approval processes, it was refreshing to work with someone so thoughtful, respo... See more
Stephen Salanitri goes over and above and beyond for his clients and customers. He is an outstanding Account Executive! He is knowledgeable, thorough, dependable, and you can be confident he will fo... See more
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Company details
Written by the company
Helping 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.
Contact info
3 Ada Parkway, 92618, Irvine, United States
- 949-900-6630
- sales@acralending.com
- acralending.com
4.6
Excellent
144 reviews
Hasn’t replied to negative reviews
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This bank does not loan money
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.
3 April 2024
Unprompted review
Great service from the entire team
Great service from the entire team. They made the process very smooth.
29 March 2024
Unprompted review
Reply from Acra Lending
Thank you, Leonard, for the kind words! You review is much appreciated!
A welcomed change of pace!
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!
11 December 2023
Unprompted review
Reply from Acra Lending
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!
ACRA is the BEST for NON-QM LOANS
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!
27 February 2024
Unprompted review
Reply from Acra Lending
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!
Made It Happen
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 !
12 February 2024
Unprompted review
Reply from Acra Lending
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
Acra saved my loan
Acra saved my loan when another lender was unable to close it.
28 July 2023
Unprompted review
Reply from Acra Lending
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!
I would like to express my appreciation…
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.
6 February 2024
Unprompted review
Reply from Acra Lending
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!
Closed a bank statement program loan…
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.
17 January 2024
Unprompted review
Reply from Acra Lending
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
Stephen Salinitri was excellent in…
Stephen Salinitri was excellent in communication and helped me throughout the process from start to finish. He was very knowledgeable, and was a big help to satisfying my customer. Definitely enjoyed the experience.
17 January 2024
Unprompted review
Reply from Acra Lending
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
Karen Petersen is a ROCKSTAR!
Karen Petersen is a breath of fresh air! She is knowledgeable, thorough and kind. I appreciated her patience as we worked through the setup of a new file. Karen is phenomenal and I am happy to know she is my Acra rep!
29 January 2024
Unprompted review
Reply from Acra Lending
Thank you so much for your kind words! We're thrilled to have Karen on our team, providing exceptional service. If you ever need further assistance, feel free to reach out. We appreciate your trust in Acra Lending
Acra Lending Review
Acra Lending Review
Ken thoroughly explains complex underwriting guidelines for un-conventional Mortgage Products. Check with Acra & Ken first before other Non-Qualified lenders.
James @LegacyLendingUSA.com
7 December 2023
Unprompted review
Reply from Acra Lending
We greatly appreciate your positive feedback! Ken is dedicated to providing clear guidance on unconventional mortgage products. At Acra, we strive to be your first choice for non-qualified lending. Feel free to reach out anytime – we're here to help!
Anna Jensen is responsive
Anna Jensen is responsive, fast, knowledgeable, and about the nicesest AE i have ever had the privilege of working with!
17 January 2024
Unprompted review
Reply from Acra Lending
Thank you for your kind words! We're thrilled to hear about your positive experience with Anna Jensen. At Acra, we prioritize responsiveness, knowledge, and exceptional service. We're here to make your lending journey seamless and enjoyable. Reach out anytime – we're here for you
Toughest loan Made easy!
Acra closed one of my toughest loans for me after many obstacles. I have been in this business for 32yrs and they by far go above and beyond to work with you honestly and upfront. Will definitely be a repeat customer.
8 January 2024
Unprompted review
Reply from Acra Lending
We appreciate your trust in Acra Lending, and we're honored to have been part of overcoming the obstacles on your challenging loan. Our commitment to honesty, transparency, and going the extra mile is what sets us apart. Looking forward to serving you again – thank you for choosing Acra
I've been deal with Account Executive…Marcos Quinones
I've been deal with Account Executive name Marcos Quinones, he has been wonderful to work with, he answer the phone every time even after 7 PM. his service is knock the sock off !! He is rock star for Acra Lending. I strongly recommended him !!! one of the best in the business !!!
26 January 2024
Unprompted review
Reply from Acra Lending
We're thrilled to hear about your positive experience with Marcos Quinones, one of our exceptional Account Executives. At Acra Lending, we take pride in delivering top-notch service, and it's great to know that Marcos has exceeded your expectations. Thank you for recommending him and acknowledging his rock star performance! We appreciate your trust in Acra
David Moc and his team were outstanding…
David Moc and his team were outstanding to work with! Made the homebuying process pleasant and everyone was incredibly helpful.
19 January 2024
Unprompted review
Reply from Acra Lending
We're delighted to hear that David Moc and our team made your homebuying process pleasant! At Acra Lending, we strive to provide outstanding service, and we're thrilled to have been a part of your journey. If you have any more questions or need assistance in the future, feel free to reach out. Thank you for choosing Acra
Acra is good with Pricing
Acra is good with Pricing
However,they still have some are of improvements like to have a portal to submit and price
also to have open discussion with UW
We love to deal with Vince Ramos, this man make the deal happen
23 January 2024
Unprompted review
Reply from Acra Lending
We appreciate your feedback and are glad to hear you've had positive experiences with Vince Ramos. Thank you for choosing Acra, and we look forward to addressing these areas of improvement to better serve you
Vince Ramos is an excellent rep
Vince Ramos is an excellent rep, he's very quick and is always available is needed.
24 January 2024
Unprompted review
Reply from Acra Lending
Thank you for your kind words! We're thrilled to hear that Vince Ramos has provided you with excellent and responsive service. We strive to offer top-notch support, and we appreciate your acknowledgment. If you have any further questions or needs, feel free to reach out. We value your partnership with Acra.
Positive experience working with ACRA.
It is with great pleasure that I express my continued satisfaction with ACRA. In all my interactions with this organization, I have found them to be consistently professional, reliable, and efficient. It would be remiss of me to suggest anything less than a positive experience working with ACRA.
23 January 2024
Unprompted review
Reply from Acra Lending
We sincerely appreciate your positive feedback and your continued trust in Acra. Our team is dedicated to delivering professional, reliable, and efficient service, and we're thrilled to hear that we've met your expectations. If you ever have further feedback or if there's anything specific you'd like to share, please don't hesitate to reach out. Thank you for choosing Acra!
Thank you Marcos
Thank you Marcos, Andrea and Mindy for your help and professionalism! See you soon with another loan!
4 January 2024
Unprompted review
Reply from Acra Lending
You're very welcome! Marcos, Andrea, and Mindy appreciate your kind words. We look forward to assisting you with your future loans and providing the same level of professionalism. If you have any questions or need support, feel free to reach out. Thank you for choosing Acra, and we're excited to continue working with you
I wanted to express my sincere…
I wanted to express my sincere gratitude for all your hard work and dedication. Finally, we have achieved our goal of securing the CTC.
I cannot emphasize enough how much I appreciate the efforts of Michelle Marias-Santa and Adela Spalding. Your commitment and professionalism have been instrumental in this success.
28 December 2023
Unprompted review
Reply from Acra Lending
Thank you for your kind words. Michelle and Adela dedication was crucial in achieving our CTC goal. Their commitment and professionalism are truly appreciated.
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