Access Capital Group Home Loans

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Access Capital Group Home Loans Your one-stop shop for all your Home Loan Needs! Access Capital Group, Inc. NMLS # 33043 An Equal Housing Lender

has been providing seamless access to fully interactive mortgage tools, answers to frequently asked questions, and much more since 2001.

What trips up many self-employed borrowers is comparing credit management to cash flow management-they are not the same....
10/10/2026

What trips up many self-employed borrowers is comparing credit management to cash flow management-they are not the same. A clean example: someone with seasonal income should avoid opening new accounts while gathering 1099s, because lenders may ask for more explanation when the report shows recent changes. If an error appears, dispute it early so the file is ready before a loan application is submitted. See how it works. https://bit.ly/4ivITVQ

A veteran buyer who loved the house but ignored the commute learned the hard way that the neighborhood can change the wh...
10/09/2026

A veteran buyer who loved the house but ignored the commute learned the hard way that the neighborhood can change the whole fit. A better move is to pair a weekend drive-through with a weekday visit, then check whether the nearest VA-friendly lender, grocery store, and cell signal all line up with daily life.

Before assuming the budget is too tight, look at the full file: W-2s, 1099s, and the source of funds for any gift or ass...
10/08/2026

Before assuming the budget is too tight, look at the full file: W-2s, 1099s, and the source of funds for any gift or assistance money. Many first-time buyers miss that some programs require a homebuyer education class or extra paperwork before underwriting can clear the assistance. See how it works. https://bit.ly/4h5xsBJ

When a homeowner has side income, 1099s, or a recent job change, the first question is often how much documentation the ...
10/07/2026

When a homeowner has side income, 1099s, or a recent job change, the first question is often how much documentation the lender will want. A home equity loan or HELOC can still require income, credit, and equity review, but it may be simpler than replacing the entire first mortgage. Ask how the payment structure works before choosing between a fixed draw and a revolving line. Compare this to your situation. https://bit.ly/4h6K4IV

A common objection is, "I need perfect credit and a big down payment first." In practice, the right loan type can change...
10/06/2026

A common objection is, "I need perfect credit and a big down payment first." In practice, the right loan type can change the path: FHA is often used by buyers with limited savings, while VA or USDA may fit certain eligible buyers better. The key step is to match your income, debt, and occupancy plans to the program rules before you start house hunting.

A buyer with 1099s and a W-2 can make the process smoother by gathering both income trails early. Add recent bank statem...
10/05/2026

A buyer with 1099s and a W-2 can make the process smoother by gathering both income trails early. Add recent bank statements, photo ID, and any gift-letter paperwork before underwriting asks for it. That simple checklist helps prevent last-minute document scrambles.

When a home is getting multiple offers, the paperwork can matter as much as the offer terms. A VA buyer can strengthen t...
10/04/2026

When a home is getting multiple offers, the paperwork can matter as much as the offer terms. A VA buyer can strengthen the file by having the Certificate of Eligibility ready, confirming entitlement early, and avoiding unnecessary contingencies that invite delays. The goal is to make the seller feel confident the deal can move from contract to closing without surprises.

If a first-time buyer has steady income but not a big nest egg, FHA is often worth checking early. A practical first ste...
10/03/2026

If a first-time buyer has steady income but not a big nest egg, FHA is often worth checking early. A practical first step is to ask whether the file will need gift funds, then gather the gift letter before underwriting asks for it. That avoids last-minute document scrambles and keeps the file moving. Walk through the steps. https://bit.ly/4h36oTB

What happens when a veteran wants to buy a home that needs work? A VA purchase may not be the right fit for every repair...
10/02/2026

What happens when a veteran wants to buy a home that needs work? A VA purchase may not be the right fit for every repair list, but a 203k or a conventional renovation option can be worth comparing when the property needs more than cosmetic updates. The key is matching the loan type to the condition of the home, not forcing the home into the wrong program.

A common mistake is treating the showing like the whole due-diligence process. If a buyer is comparing an FHA or convent...
10/01/2026

A common mistake is treating the showing like the whole due-diligence process. If a buyer is comparing an FHA or conventional loan, the age of the roof, HVAC, and water heater can change whether repairs need to happen before closing or be negotiated into the contract. Ask for appliance inclusions in writing, then verify HOA dues and any special assessment language before you get too far in.

Address

202 E. Earll Drive
Phoenix, AZ
85012

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18662044288

Website

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