Contact InfoWilliam J Acres
T: (480) 287-5714
F: (480) 835-6249
15300 N. 90th St #850
Scottsdale, AZ 85260
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Originally from Malden MA, a suburb 5 miles north of Boston, I had moved to Phoenix AZ at the age of 18 to take care of my ill father... having started a life here, I decided to make this my permanent home. I had worked in the car business for 15 years, primarily in financing, all the while investing in real estate. I purchased my very first home in 1988 and it was a 4plex. We lived in one unit and rented the other 3... With a name like Acres, I knew I was destined to be in real estate some how... My wife became a real estate agent working for Century21,and I got into mortgage lending. My strength is being able to decipher the different loan programs and guidelines and understand how they can help or hurt my borrowers. Most loan officers do a great job in finding clients, however once they get them; they have a hard time finding the right loan product for their particular scenario. A lot of times they are turned away because they were unaware of a particular loan product or guideline that would allow that person to be approved... Whether you have good credit, or marginal credit... Self employed or work for a company, have multiple properties, or a first time home buyer, rest assured, I can get you the best loan to work within your particular scenario... This is my Promise to you!! Velocity Financial is a well funded privately held Brokerage Firm in good standing with Arizona Department of Financial Institutions, and an "A" rating with the Better Business Bureau. If you or anyone you know needs Mortgage financing please feel free to contact me or any member of our highly qualified staff. Every case is reviewed by a Certified Specialist. MB 0908760 480-287-5714 I'm Very Happy we fould him
We were searching for a home and our realtor told us we had to be pre approved. We went into our local Wells Fargo branch and applied for a mortgage. We submitted our offer and it was accepted. We paid for termite inspection, home inspection and the appraisal. We were a week away from closing when we got a phone call from someone at Wells Fargo (not our loan officer). They told me that our loan was denied. We had spent nearly $1000 of our own money to purchase this home with the written preapproval given to us by Wells Fargo. My wife was in tears... A friend of ours referred us to William Acres with Velocity Financial. He looked at our file and credit and told us how we could get approved for this loan. We contacted the seller of the home and asked for a 2 week extension, which they gave us. William was able to guide us to improve our credit score and had the changes made to our credit report in 3 days! Everything he promised came true. We are now living in our new home for 2 months now and couldn't be happier. I have referred William to 2 other friends and they are currently shopping for a new home.. Thanks for everything William... you are terrific... James Smythe
By
JimS1984AZ
on September 14, 2011
Feb 16, 2012
President Obama announced on January 25th, 2012 a proposal for underwater borrowers who have not been able to take advantage of the lower interest rates currently being offered because they don't have an FHA loan or a...
Jan 17, 2012
Is there such a thing as "Stated Income" loans anymore?? The answer is no... Sort of... The Financial Reform Bill HR4173 signed into law by President Obama on 8/1/10 outlaws stated income and no doc loans.Section 1411 reads:...
Jan 06, 2012
I often see posts on blogs where someone is asking "What's my Rate". They will usually list their credit score, how much they make and what their monthly debt is, and are looking for a "Ball Park" for what rate they...
Jan 03, 2012
In November 2011, the President announced a major overhaul to the current Home Affordable Refinance Program (HARP). This new program is called HARP 2.0, and will start rolling sometime in March 2012. Although we now know what...
Nov 01, 2011
There is a major overhaul of the failed Home Affordable Refinance Program (HARP) on the horizon. President Obama announced last week that new guidelines would make it easier for homeowners who have shown an ability to...
Oct 20, 2011
If your in a situation where you have to relocate and need to sell your home before leaving, but your underwater and your only option is to short sell, don't fear!!! FHA has an insurance product for loans to borrowers in...
Oct 06, 2011
First, you cannot purchase an investment property (single family, condo, townhouse, manufactured, or 1 to 4 units), using FHA, VA or USDA loans. These programs are for owner occupied properties only. You would have to go...
Sep 30, 2011
A question asked by mostly first time home buyers, is this... if my interest rate is fixed, then why did my payment go up?? Most mortgages, whether conventional or FHA, VA or USDA, include impounds or reserves to pay the tax...
Originally from Malden MA, a suburb 5 miles north of Boston, I had moved to Phoenix AZ at the age of 18 to take care of my ill father... having started a life here, I decided to make this my permanent home. I had worked in the car business for 15 years, primarily in financing, all the while investing in real estate. My very first home was a 4plex. We lived in one unit and rented the other 3... With a name like Acres, I knew I was destined to be in real estate some how... My wife became a real estate agent working for Century21, and I got into mortgage lending. My strength is being able to decipher the different loan programs and guidelines and understand how they can help or hurt my borrowers. Most loan officers do a great job in finding clients, however once they get them; they have a hard time finding the right loan product for their particular scenario. A lot of times they are turned away because they were unaware of a particular loan product or guideline that would allow that person to be approved... Whether you have good credit, or marginal credit… Self employed or work for a company, have multiple properties, or a first time home buyer, rest assured, I can get you the best loan to work within your particular scenario… This is my Promise to you!! 
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