About ACSI

Licensed Mobile Home Mortgage Broker Serving 10 States

Approved Credit Services Inc. is a fully licensed and regulated mortgage broker specializing in mobile home financing across the United States. We maintain active licenses and registrations with state financial regulatory agencies to ensure your mobile home mortgage is handled professionally and in full compliance with all applicable laws.

Our Team

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.

Patrick Burke

NMLS 2864938

Patrick is the newest addition to the ACSI team, bringing nearly 20 years of experience in accounting and financial management. Prior to joining Approved Credit, Patrick spent his career with the National Academies of Sciences, Engineering and Medicine, where he most recently served as a Financial Officer and Senior Finance Business Partner. His extensive background in budgeting, forecasting, financial analysis, and working closely with clients and leadership provides a strong foundation for helping borrowers navigate the financing process. Patrick is a graduate of the State University of New York at Oswego, where he earned a Bachelor of Science in Accounting.

Our Licensed States Include:

California - DFPI License #60DBO-176183 | (213) 576-7565
Florida - Mortgage Broker License #MBR2296 | (850) 487-9687
Georgia - Mortgage Broker License #9604 | (770) 986-1633
Michigan - Licensed Mortgage Broker #FL0022129 | (877) 999-6442
New York - Registered Mortgage Broker #A004050 | (800) 342-3736
Ohio - Residential Mortgage Lending License #RM.804434.000 | (614) 466-8337
Oregon - Mortgage Lender License #ML-5674 | (503) 378-4140
Pennsylvania - Licensed by Dept. of Banking #60972 | (800) 600-0007
South Carolina - Mortgage Broker License #9604 | (803) 734-4200
Texas - Registered Manufactured Housing Creditor #210470 | (512) 936-7600

All mobile home loans are arranged with trusted third-party lenders. Credit score of 600 or above required to qualify for financing.

States We Serve

Mobile Home Mortgage Experts

Approved Credit Services Inc. specializes in mobile home mortgages and manufactured home financing. Our licensed mortgage brokers help clients secure chattel loans across 10 states. Whether financing a new or used mobile home, single-wide, or double-wide manufactured home, we work with trusted lenders to find competitive financing solutions.

We are here to help you. Contact our specialists today at (315) 446-4007 or email Support@ApprovedCreditNY.com.

All loans arranged with third party providers. Credit score must be 600 or above to qualify for financing.

Contact us today to discuss your loan:

Call: (315) 446-4007

Email: Support@ApprovedCreditNY.com

Fluent in Spanish / Hablamos Espanol

Start Your Application Learn About Our Loan Process

We pride ourselves on exceptional service from application to closing. We answer the phone when called and respond to emails immediately. Our simple and effective approach speeds up the loan process while ensuring you get the loan that best suits your individual needs at competitive rates.

Licensed to serve clients in: California, Florida, Georgia, Michigan, New York, Ohio, Oregon, Pennsylvania, South Carolina, and Texas.