From Core Four to Fab Five thrive in 25!

IN Partnership with

ACC Mortgage is evolving its streamlined approach to non-QM lending. With the addition of second trusts to an already simplified product suite, brokers now have five high-impact options to serve nearly every borrower scenario − efficiently and confidently

NON-QM lending can be fragmented and frustrating − especially for brokers trying to match borrowers with the right financing fit. That’s why ACC Mortgage has long stood by its mantra: less is more. Now, the Maryland-based lender is evolving its streamlined offerings, upgrading its signature Core Four into a dynamic Fab Five with the rollout of second trusts. “We’re simplifying complexity once again,” announces Robert Senko, president of ACC Mortgage. “This move enhances our flexibility without losing what makes us a broker favorite.”

Since 1999, ACC Mortgage has been making the loans traditional lenders had no idea how to close. Serving the underserved self-employed, foreign nationals, and ITIN borrowers and investors, ACC Mortgage has helped make our communities stronger. As the nation’s oldest and most trusted non-QM lender, ACC Mortgage provides decades of experience and unmatched stability to support you in meeting your clients’ unique needs. ACC has made the complex world of non-QM simple by creating the Fab Five of loan categories: Prime, DSCR, Prime Plus, Second Chance, and our newest addition, standalone non-QM seconds!

“We’re simplifying complexity once again. This move enhances our flexibility without losing what makes us a broker favorite”

Robert Senko, ACC Mortgage

From Core Four to Fab Five: What’s changed?

Published June 30, 2025

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MORTGAGE INDUSTRY

BEST IN MORTGAGE

SPECIALTY

resources

Newsletter

About us

Authors

Conditions of Use

Terms & Conditions

Sitemap

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Resources

News

Specialty

Best in Mortgage

Mortgage Industry

Newsletter

About us

Authors

Conditions of Use

Terms & Conditions

Sitemap

RSS

“We make it easy to serve all non-QM borrowers − under one roof, with one trusted partner”

Robert Senko, ACC Mortgage

$18

$231K

in available equity

Trillion

Average loan size

Second trust stats

Why simplicity still wins

In Senko’s office, a replica Stanley Cup sits proudly on the shelf behind him − a nod to his Washington Capitals fandom and a metaphor for ACC’s disciplined structure.

“Just like a great hockey team needs strong lines, our core offerings keep us in scoring position for our brokers,” explains Senko. “But as we all know, sometimes you’ve got to make a change to keep your team in top form.” A 26-year stalwart, Senko underscores that ACC Mortgage is the oldest non-QM lender in the industry. With adaptability and foresight, Senko built his business on the pillars of longevity, product depth, service simplicity, and of course, broker trust. The last of these is increasingly critical, especially in the face of the current upheaval in the lending landscape. For brokers right now, consistency is key. When guidelines are in flux and rate sensitivity is high, the ability to turn to a proven lender with streamlined options can make or break a deal.

With so many years as a major player, ACC has seen a lot of different approaches. While many lean into complexity, this lender is doubling down on clarity. And if you ask Senko, simplicity still wins. Rather than inundating brokers with dozens of niche programs and shifting guidelines, ACC focuses on operational efficiency and product mastery, allowing brokers and loan officers to build fluency quickly. “We’re the leaders; we’re not playing catch-up,” Senko

explains when asked to elaborate on how his company differentiates itself from the competition. “We make it easy to serve all non-QM borrowers − under one roof, with one trusted partner.”

Until now, ACC’s product suite was anchored by its “Core Four” first trust programs: Prime, Prime Plus (ITIN), DSCR, and Second Chance. Prime concerns itself with the basics of non-QM lending, like looking at recent bank statements or clients’ P&Ls, while Prime Plus is more inclusive, with ACC one of the biggest ITIN lenders in the country. DSCR caters to real estate investors, allowing them to qualify using the property’s income instead of their own and featuring a streamlined approval process that doesn’t involve traditional income verification. Finally, Second Chance looks at recent credit history and housing events, serving buyers who may have the money but are prevented from going into the conventional prime space. These four programs were designed to cover the bulk of non-QM scenarios while not overwhelming brokers with complicated pricing grids or opaque program parameters. Called “core” for a reason, they provide a distilled roadmap for handling these types

ACC Mortgage ‘makes things look easy’

That confident leadership shows in how the company structures its offerings. For brokers, partnering with ACC Mortgage brings three advantages: fewer headaches, because rate sheets are straightforward and easy to quote from; faster onboarding, as even brokers new to non-QM can ramp up without months of training; and predictable execution via a consistent process that minimizes rework and fallout.

of mortgages. But as borrower needs have shifted and the demand for second-lien solutions has grown, ACC has displayed signature responsiveness and expanded its playbook. Enter the “Fab Five.” The new addition? Second trusts: three tailored second-lien products designed to cover a wide range of borrower profiles and use cases. There’s Prime Second, for fully documented, well-qualified borrowers, offering up to 90 percent CLTV; Prime Plus Second, a flexible option accepting full documentation, bank statements, or P&L income verification − with a wider credit box, also up to 90 percent CLTV; and DSCR Seconds for investment properties, tailored for second trust scenarios, up to 80 percent CLTV. By combining the power of its original Core Four with this new trio of close-end seconds, ACC continues to minimize operational friction and provide brokers with simple and high-impact options to serve nearly any non-QM scenario. “We’re delivering faster turn times, fewer conditions, and smoother closings for everyone involved,” Senko says.

ACC Mortgage’s track record speaks for itself. “We make things look easy,” Senko says. “When we look at our performance and modelling, we’re able to identify what the market needs and where we go next. We don’t get distracted.” With its Fab Five now firmly in place, ACC Mortgage has once again proven that innovation doesn’t have to mean complexity. For brokers seeking flexible solutions, reliable execution, and a lender that knows how to win, this is the playbook to watch. Ultimately, Senko says, his mission is the same as it’s been from the start. “We want to make non-QM easier for our brokers and lenders. Their focus should be on growing their business, not navigating complexity. We’re here to help them do that, every step of the way.”

of American homeowners plan on renovating this year

Source: Leading Indicator of Remodeling Activity (LIRA)

RENOVATIONS boost HOME prices

Homeowners spent $463 billion on renovations in the first quarter of 2024

52%

plan on a renovation budget of $80,000

10%

plan to renovate their kitchen

29%

plan to renovate their bathroom

27%