Acopia Home Loans

• Variety of Mortgage Options
• Simple Loan Process
• Helpful Mortgage Calculators
• Convenient Mobile App
• Honoring Our Heroes Program
• Customer Reviews

Variety of Mortgage Options

Acopia Home Loans offers home buyers several types of home and refinancing loans, including — 

• Conventional 15 and 30 year loan
• FHA loan
• Jumbo loan
• USDA loan
• VA loan

It should be noted that not every mortgage lender is an FHA approved lender, making Acopia Home Loans stand out from the competition. FHA loans help individuals secure a mortgage for as little as a 3 percent down payment, making it possible for those to qualify for a loan that typically would not be able to.

Simple Loan Process

Getting a loan through Acopia Home Loans is quick and easy; there are three simple steps:

1. Complete the online application — You will be required to provide some personal information and your credit score will be pulled to determine your FICO score.
2. Submit documents — Your Licensed Mortgage Loan Advisor will send you a checklist of required documentation which you can upload to the AcopiaGO mobile app or the company's online secure portal.
3. Wait for Approval — To complete the home loan application process, a team of Acopia mortgage professionals will be assigned to your loan and will keep you up-to-date every step of the way to application completion.

Customer reviews highlight how straightforward and easy the loan application process it with Acopia Home Loan's accessible, digital portal and tools.

Some lenders may require you to speak with a loan officer or even visit a branch location to complete the application process, so it is especially nice that Acopia Home Loans' application process is entirely online, and can even be completed through the company's mobile app.

Helpful Mortgage Calculators

Acopia Home Loans has eight helpful calculators to help you know how much you can afford on your home purchase:

• Payment/Amortization Calculator — calculate your monthly payment and how the loan principal will be paid over time
• Rent vs Own Calculator — see whether or not you should rent or buy a home
• Annual Percentage Rate Calculator — calculate the APR for fixed-rate or adjustable-rate loans
• Debt Consolidation Calculator — determine if you can consolidate debt by combing it with your mortgage
• Prepayment Savings Calculator — see how soon you can pay off your mortgage
• Early Payoff Calculator — determine the additional monthly payments needed to pay off your loan sooner
• Refinance Break-Even Point Calculator — see how long it will take to "break-even" on a refinanced loan
• Tax Savings Calculator — determine estimated tax savings

With Acopia Home Loans' calculators you can easily make needed calculations based on your specific needs and circumstances.

Convenient Mobile App

Acopia Home Loans has a mobile app, AcopiaGO, equipped for both iOS and Android devices. The app simplifies the process of securing a home loan. AcopiaGO lets users:

• Complete the application to get pre-qualified
• Search available, local real estate
• Use tools that calculate monthly premiums, select best-fitting loan types, adjust down payments, and determine affordability
• Scan and submit documents directly and securely from your phone
• Access checklists and loan milestones notifications
• Contact both your realtor and lender

Honoring Our Heroes Program

Another unique factor about Acopia Home Loans is the company's Honoring Our Heroes Program. This program is designed to give back to veterans, active military, law enforcement, firefighters, EMS, and teachers through mortgage benefits. These benefits include —

• Lender credit up to 0.25% of your total loan amount
• Home purchase or refinance (listed or FSBO)
• No origination points

This special program is unique in the mortgage industry, if you qualify for the Honoring Our Heroes Program, talk to one of Acopia Home Loan's representatives to get more information.

Customer Reviews

The Acopia Home Loans reviews on Best Company reflect a strong sense of customer satisfaction among current borrowers. From upwards of 200 customer reviews, nearly 90 percent of those give Acopia Home Loans a five-star rating. A majority of the customer reviews highlight the following:

• Personable and reliable loan officers
• Transparent and an easy to understand process
• Quality products, rates, and overall service

If you want a Mortgage Lender that goes above and beyond for the homeowner, Acopia Home Loans is a great option.

• Limited State Availability 

Limited State Availability 

Acopia Home Loans is currently licensed to provide mortgage services in only 20 states:

• Alabama
• Arkansas
• California
• Colorado
• Delaware
• Florida
• Georgia
• Illinois
• Indiana
• Kentucky
• Louisiana
• Maryland
• Mississippi
• Missouri
• North Carolina
• Pennsylvania
• South Carolina
• Tennessee
• Texas
• Virginia

If you don't reside in any of these states, Acopia Home Loans' mortgage products and services will not be available to you, and you will need to look into other lender options.

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