Business Details
29 Years
experience
Your Trusted Mortgage Broker in San Francisco
Acceptance Financial Services has been dedicated to mortgage brokerage since 1997, combining over 25 years of industry experience with personalized service to match clients with optimal loan products. Our team, led by seasoned professionals like Matt Dill and Danielly Moya, prioritizes competitive rates, transparent communication, and tailored guidance through every step of the mortgage process. We maintain deep expertise in market trends, loan programs, and client needs, ensuring informed decision-making for home purchases, refinancing, and financial restructuring.Our commitment to education, timely rate locks, and streamlined transactions reflects our focus on client empowerment and long-term trust. With a track record of national recognition and local market specialization, we aim to simplify complex mortgage landscapes while upholding accountability and ethical standards.
Services
Home Purchase Loans
Mortgage Refinancing
Debt Consolidation
Home Improvement Loans
Pre-Qualification Letters
Cash-Out Refinancing
Loan Application Assistance
Mortgage Education
Rate Lock Services
Escrow Coordination
Details
- Year established: 1997
Highlights and features
- We offer 25+ years of mortgage industry expertise with a client-first approach.
- Our team includes nationally recognized mortgage originators with proven track records.
- We provide tailored loan comparisons and transparent rate-lock guarantees.
- We specialize in fast-track loan processing with closings under 21 days.
- Our brokers coordinate directly with escrow and real estate professionals for seamless transactions.
Services
Home Purchase Loans
We specialize in home purchase loans tailored to first-time buyers and experienced homeowners. Our brokers compare multiple lenders to secure competitive rates and flexible terms. Clients benefit from rapid pre-qualification, market volatility insights, and streamlined documentation for efficient closings.
Mortgage Refinancing
Our refinancing solutions help clients reduce monthly payments, adjust loan terms, or access home equity. We analyze current mortgage conditions and market rates to optimize savings. Services include rate-and-term refinancing, cash-out options, and debt consolidation strategies.
Debt Consolidation
We assist clients in consolidating high-interest debts through mortgage-based solutions. By leveraging home equity, we create structured repayment plans with lower interest rates. This service simplifies monthly obligations while improving overall financial stability through strategic loan structuring.
Pre-Qualification Letters
Our same-day pre-qualification letters strengthen homebuyers' offers by verifying financial eligibility. The process requires minimal documentation and provides clear borrowing limits. These letters demonstrate buyer credibility to sellers and real estate agents during competitive market conditions.
Cash-Out Refinancing
We facilitate cash-out refinancing to help homeowners fund major expenses like home improvements or education costs. Our brokers assess equity positions and repayment capacities to structure optimal loan amounts. This service combines competitive rates with flexible withdrawal options for long-term financial planning.
People
Matt Dill
Mortgage Broker
With 30+ years in mortgage finance, Matt Dill founded Acceptance Financial Services in 1997. Recognized as a top 200 national mortgage originator in 2003, he specializes in market volatility analysis and client education. His expertise spans loan structuring, rate-lock strategies, and homeownership lifecycle planning.
Danielly Moya
Mortgage Loan Officer
Danielly Moya brings real estate and hospitality experience to mortgage services. Licensed in California and Nevada, she focuses on stress-free transactions and client empowerment. Her approach emphasizes clear communication, process transparency, and personalized support for purchase and refinance clients.
Questions
What loan programs do you offer for first-time homebuyers?
We provide FHA loans, conventional mortgages, and state-specific programs with down payment assistance. Our brokers compare options to find the best fit based on credit profiles, down payment amounts, and long-term affordability.
How quickly can you process a mortgage application?
Many purchase loans close within 21 days using our streamlined process. Refinancing timelines vary but typically complete in 15-30 days, depending on documentation speed and lender requirements.
Do you offer jumbo loans for high-value properties?
Yes, we originate jumbo loans exceeding conforming limits through specialized lenders. These programs cater to luxury home purchases with tailored underwriting criteria and competitive pricing.
What documentation is required for mortgage approval?
Standard requirements include pay stubs, W-2 forms, tax returns, bank statements, and property details. Self-employed applicants need additional financial documentation to verify income stability.
Can I lock in mortgage rates before finding a home?
We offer rate lock options during pre-approval to protect against market fluctuations. Lock periods typically range from 30 to 60 days, with extension possibilities depending on market conditions and lender policies.
