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 38 states and DC nationwide, we offer our programs and services through three distinct verticals: Wholesale Lending, Retail Lending and Correspondent Lending. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency.