Family A purchased 5 acres in November 2002 for $75,000 cash. Their builder had given them a bid of $300,000 to build their home. The bid included the cost of the water well and septic system. They wanted a mortgage loan of $300,000 for fifteen years, for the loan to be paid off in full when they retired. It had been explained to them that would save substantial amount of interest and get a lower interest rate with a fifteen year loan.

The family's down payment was their equity in the land. They learned with a One-Time Close they could lock in the permanent mortgage interest rate and be assured of being protected against rising interest rates. In addition, they saved approximately $3,000 with AHMC's One-Time close program over a conventional Two-Time close program.

It was a great day when the Family B closed on their One-Time-Close loan. Since Mrs. B was a designer, she already had their dream house planned out and their builder developed these bids, plans, and specifications. They had closed on a thirty-year mortgage loan with a 10% down payment. Acceptance Home Mortgage, Corp. had obtained for them a six-month construction/permanent mortgage at a very competitive interest rate. The lender guaranteed their interest rate until their home was finished. The lender would modify the rate to a current market rate and pass on the interest rate to them. Acceptance Home Mortgage, Corp. has protected them against interest rate uncertainty.

Couple C had gotten out of college several years before and they both had good jobs with a real future. It was time to build their first home. They had saved their 5% down payment from their companies' bonuses. However, each of the lenders they had dealt with required a 10% down payment to be eligible for the preferred One-Time Close program. A friend referred them to Acceptance Home Mortgage, Corp. who offered a 95% One-Time Close program with all the benefits. They obtained a $150,000 loan and saved over $1,500. They had the comfort and security of having a low, fixed rate mortgage. They had been allowed to have their builder pay their closing costs, and 5% was all they needed to move into their home. Acceptance Home Mortgage, Corp. did what no other lender would do. Only 5% down payment. WOW!!!

Family D needed a loan for $100,000. They had no down payment, however, they had excellent credit scores with two older homes paid for and jobs that paid them well. Their builder had directed them to Acceptance Home Mortgage, Corp. to pre-qualify them for a mortgage and he had wanted them to qualify for his preferred loan program, the One-Time Close program. Acceptance Home Mortgage, Corp. showed the Family D how their builder could pay their closing costs and AHMC arranged for a Two-Time Close mortgage. While they weren't able to enjoy the savings associated with the One-Time Close program, they did close on their new home loan, a home they never dreamed they could own. With their good credit, they had obtained 100% financing and a mortgage for $100,000. The new mortgage payment was $200 a month more than their rental payment, however, now they were proud homeowners and could deduct their mortgage interest payment and taxes from their Federal Income tax returns.