Some mortgages arrive with a deadline attached.
Access Financial places specialty mortgages across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
A divorce, a retirement, a build. These are the files that do not fit a standard application, and the ones banks are slowest with.
Applications go out without your personal information attached. You decide who sees it in full.
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Start with what has changed
| What Is Happening | The Program For It | |
|---|---|---|
| You are taking one name off the loan | A buyout refinance, timed to work with your settlement | Divorce mortgage |
| You are retired and equity-rich | A reverse mortgage turns equity into income without a monthly payment | Reverse mortgage |
| You want to move house in retirement | Buy the next home using a reverse mortgage rather than a standard loan | HECM purchase |
| You are building, not buying | Finance the build, then convert it to a permanent loan | Construction |
| The home is manufactured | A programme written for manufactured housing rather than adapted to it | Manufactured home |
What each specialty program does
Divorce mortgage
Refinances the property into one name and releases the other. Timing matters more than anything else here.
Reverse mortgage
Converts equity into income for older homeowners, with no monthly mortgage payment required.
HECM purchase
Uses the same idea to buy a different home, rather than to stay in the current one.
Construction loans
Funds the build in stages, then becomes a permanent mortgage on completion.
Manufactured home
Financing for manufactured and modular housing, which many lenders will not touch.
Bridge loans
When the timing of a sale and a purchase will not line up.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
Three steps, and we start with the timing
Tell us the deadline
A court date, a settlement, a build schedule. The date shapes everything else.
We find the lender who does this
Specialty files fail at banks because nobody there has seen one recently. We use lenders who have.
We close
One loan officer, working to your deadline rather than to a queue.
Nadeem Bhatti
Where we place specialty files
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What people ask first
Can I refinance to remove my ex-partner from the mortgage?
Yes, and it is one of the most common specialty files we handle. The timing usually needs to line up with your settlement, so start the conversation early.
Will a reverse mortgage mean my children inherit nothing?
No. The home is not surrendered. What is owed is settled when the property is sold, and anything left over stays with your estate.
Can I get a mortgage on a manufactured home?
Often yes, though far fewer lenders will do it and the requirements are specific. This is exactly the kind of file that needs shopping rather than one opinion.
How does a construction loan become a normal mortgage?
It funds the build in stages, then converts to a permanent loan when the property is finished. One application covers both.
Will this hurt my credit?
Not to start. The first conversation involves no credit pull at all.
Talk it through with someone
Tell us what has changed and when it needs to happen. We will tell you what is possible, free.