If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Resources & Tools

How To Get The Best Mortgage Rate

If you like our content, make sure to subscribe to our channel! 

Buying a home is one of the most significant purchases a person will make in their life. Getting a good mortgage rate is extremely important!

Here are some tips to get the best mortgage rate:

  1. Have a good credit score. The higher the credit score, the better the mortgage rate.
  2. Save money! Ideally, try to save 20% for the down payment.
  3. Be steadily employed. Working for the same employer for at least 2 years shows lenders you have steady earnings, which may give you a better mortgage rate.
  4. Know the difference between fixed rate vs ARM. Fixed rate mortgages keep the same interest rate over the entire life of the loan. Adjustable-rate mortgages (ARM) rates change over time.
  5. Decide if you want a 15 year vs 30 year mortgage. 15 year fixed rate mortgages will have higher monthly payments, but you also could save thousands of dollars in interest.
  6. Research multiple lenders. Shop around and so some research to make sure you’re getting the best interest rate for your situation!
creditU

Say goodbye to the burden of debt

Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.

CreditU Apple App Store CreditU Google Play
Dev Tool:

Request: debt-resources-tools/videos/informational-videos/how-to-get-the-best-mortgage-rate
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=videos/informational-videos&debt-resources=how-to-get-the-best-mortgage-rate
Loaded Template: single-debt-resources.php