Access Capital Group Home Loans

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.

A first-time buyer with a few late payments or limited credit history may still have options through FHA. The key is to ...
09/04/2026

A first-time buyer with a few late payments or limited credit history may still have options through FHA. The key is to look at the full file, not just the score: recent rent history, steady income, and lower debt can help shape the conversation before underwriting gets involved.

A common VA file gets delayed because the borrower waits until the last minute to gather service records. Start with you...
09/03/2026

A common VA file gets delayed because the borrower waits until the last minute to gather service records. Start with your Certificate of Eligibility, then line up recent pay stubs, Leave and Earnings Statements, and any extra income documents before underwriting asks. That simple prep helps the file move more cleanly from application to approval review. Walk through the steps. https://bit.ly/45nLiKc

What should a veteran look for beyond the listing photos? Start with the inspection report, then ask which findings are ...
09/02/2026

What should a veteran look for beyond the listing photos? Start with the inspection report, then ask which findings are safety-related, which are maintenance items, and which may need a repair addendum before moving forward with a VA purchase.

09/01/2026

Don't close old credit card accounts, even if you don't use them. The length of your credit history is a factor in your score.
Follow us for more credit management tips!

A common first-time-buyer mistake is treating the pre-approval as the whole budget. Closing costs, escrow deposits, and ...
09/01/2026

A common first-time-buyer mistake is treating the pre-approval as the whole budget. Closing costs, escrow deposits, and lender fees can change what feels affordable, especially for someone using FHA or conventional financing. Ask for a full cash-to-close estimate early so there are no surprises at signing.

A buyer with strong income can still get stalled by a missing paper trail. If you earn mostly from 1099s, keep bank stat...
08/31/2026

A buyer with strong income can still get stalled by a missing paper trail. If you earn mostly from 1099s, keep bank statements, tax returns, and a clean explanation for any large deposits ready before underwriting asks. The myth is that only W-2 borrowers get through smoothly; the real issue is whether the file tells a clear story.

A first-time buyer with W-2 income and student loans may fit one loan type better than another. FHA can be more flexible...
08/30/2026

A first-time buyer with W-2 income and student loans may fit one loan type better than another. FHA can be more flexible on credit history and down payment, while conventional may be a better comparison if the borrower wants to avoid mortgage insurance rules that come with smaller down payments. The useful step is to ask for a side-by-side of FHA, conventional, and any down-payment assistance before making an offer.

When the down payment is smaller, the details matter more than the headline. A buyer using FHA may need to plan for mort...
08/29/2026

When the down payment is smaller, the details matter more than the headline. A buyer using FHA may need to plan for mortgage insurance and a property that meets program standards, while a conventional loan can look different on reserve and credit expectations, so a lender should map the file before you start touring homes.

Before assuming a conventional loan is the only path, look at how USDA files are documented. Underwriters typically want...
08/28/2026

Before assuming a conventional loan is the only path, look at how USDA files are documented. Underwriters typically want clean income records like W-2s or 1099s, plus a clear explanation of any recent job change, because the property and borrower both have to meet program guidelines. Walk through the steps. https://bit.ly/3RUbQQb

08/27/2026

Cut back on eating out and cook more meals at home. You'll save money and probably eat healthier too!
Share your favorite home-cooked recipes in the comments!

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

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