Bill Kousmanidis
NMLS#18652
Bill founded Approved Credit Services, Inc. in 1994 and has been working in the manufactured home finance industry since 1988. With over 35 years of experience, Bill has helped thousands of families navigate the loan process from application to closing. His deep knowledge of chattel lending and strong relationships with lenders allow him to find the right financing solution for each borrower's unique situation. Bill is a graduate of the University of Massachusetts, Amherst with a Bachelor of Business Administration in Accounting. He is currently licensed as a loan originator in CA, NY, and OH.
Dean Kousmanidis
NMLS#1864591
Dean is a loan originator at the company his father Bill founded, and he has built a reputation of his own — one defined by responsiveness, clear communication, and a commitment to making the financing process as stress-free as possible. His clients consistently praise his ability to keep them informed at every stage and to answer calls, emails, and texts right away. Dean is a graduate of the State University of New York at Geneseo with a Bachelor of Business Administration. He is currently licensed as a loan originator in FL.
Carlos Betancourt
NMLS#2581841
Carlos is dedicated to making the manufactured home financing process accessible and easy to understand for every borrower. As a fluent Spanish speaker, Carlos is able to guide Spanish-speaking buyers through the entire loan process in their preferred language — from application to closing — ensuring nothing gets lost in translation. Carlos is a graduate of Le Moyne College with a Bachelor of Finance. He is currently licensed as a loan originator in FL, GA, and TX.
Murad Amrulayev
NMLS#2539294
Murad serves borrowers across more states than any other originator on the ACSI team, giving him firsthand experience navigating the unique lending requirements of multiple markets. Whether you're purchasing in Michigan, Ohio, Oregon, Pennsylvania, South Carolina, or Texas, Murad brings the knowledge and attention to detail needed to keep your loan moving smoothly. Murad is a graduate of the State University of New York at Geneseo with a Bachelor of Business Administration.