Client Testimonials

Excellent service and attention to detail. You walked us through everything so there were no surprises at all. Highly recommended for sure!

Karen & Jeff


Amazing customer service from Bill at Approved Credit Services. We will forever recommend this guy for all mortgage help. Very smooth process and done professionally and very quickly on the closing. 5+++ stars!

Andy B.


Working with Approved Credit Services Inc, has been a step in the right direction for our business. Bill and his fast, motivated and creative staff has helped Geneva Homes Inc. get more people financed with the best rates and terms. As the owner of Geneva Homes Inc. my company couldn't be as successful as we are without the help of the amazing staff at Approved Credit Service, Inc. Thank you Bill and staff for all that you do for us!

Khristopher Padlick-Field - Owner - Geneva Homes


Billy I think you do a awesome job. Actually the best. You have been for years. Love you!

Bernie - American Homes


Always a pleasure working with Bill at Approved Credit Services, he stays in contact with myself as well as the customer, Prompt efficient and professional. I have used Approved Credit Service's for Nearly 20 Years, Never disappointed.

Jeannette H - American Homes Weedsport


I just closed on my house with the help of Approved Credit Services. Bill is very knowledgeable and was able to answer all of my questions throughout the process. He made everything very easy and smooth. I will definitely recommend Approved Credit Services to anyone wanting to purchase a home.

Kimberley R.


I have worked with Approved Credit for the past 12 years. Approved Credit has played a major roll in the success of American Homes over this period. Bill Kousmanidis is the hardest working person in lending. I always receive quick responses to my submitted applications and complete assistance after the approval to insure we are closed & funded in a timely manner. Bill's greatest attribute is overcoming customer issues that would prevent approvals and funding. He strives to assure more families will be in a new home this year. American Homes look forward to continuing to work closely with Approved Credit for many years to come.

Dan Henning - Project Manager, American Homes


Amazing! I can't thank you enough for all of your help and patience!!

Courtney F.


Thank you for all you did today to get us in our home! We have started to move and looking forward to many happy years in our home. Good luck and may you have many more Texas deals come your way

Lisa and Bob


Thank you so much for helping us buy our first home! You were great to work with! :)



This has been the absolute BEST experience I have had purchasing my home. This is my first home I have ever purchased on my own and was very nervous. Bill went through each step with me and made it super easy on me. Going above and beyond to make sure things were done fast and correctly. Communication was unbelievably awesome....immediate responses, even after hours. Totally recommend Approved Credit Services! THANK YOU THANK YOU!!!



Thank you and you were terrific and so helpful.

Susan- Hometown America, Florida


Let me begin by saying that at 57 years old this is the first time my wife and I are purchasing a home. The realtor my wife and I were dealing with gave us a few different options for financing; none really responded the way we had hoped. I went on-line and found ACSI by way of a search. Wow; what a God send! Bill Kousmanidis and his staff were just amazing in every way. From the very beginning they were on point. Bill responded to every phone call and/or email promptly. In this day and age it is hard to find this kind of customer service . They found a bank that fit our needs and got the deal done. We started the process with ACSI on 8/28/17 and on 10/11/17 the check was ready. 6 weeks from beginning to end! Thanks to Bill and all of the staff at ACSI for helping make our dream come true.

Jim and Migdalia H.


Thank you for all you’ve done to help me get this loan. It’s been a dream of mine since my husband died 10 years ago, to own a home again. I never thought this day would come. Everything was very easy and I appreciated your quick response every time I had a question. The whole process was painless. I definitely will refer family and friends to you, who are looking for a manufactured home loan.

Diana D., Texas


Using Bill at Approved Credit Service for our business, of selling manufactured homes, makes good sense. Upfront and honest and highly experienced at what he does, Bill will walk you through the loan process from start to finish. He keeps us up to date on his progress of the loan and our customers. I feel we work great together to accomplish our goals

Danny & Loretta - Dave's Quality Homes


I have had the privilege of working with Bill Kousmanidis from Approved Credit for over twenty years. Approved Credit is always my “go-to” mortgage broker for our customers with financing needs. Bill has the knowledge and drive to make closings quick and effortless. His customer service and follow through are unparalleled to others in the industry. Bill also adds a heartfelt touch with his perpetual “life is great” attitude.

Jaynee - Better Homes and Transport


Great customer service. Quick smooth process from start to finish. It is always a pleasure to work with Bill.

Cindy Watson - Homestead Quality Homes


Thank you so much for all your beyond the call of duty care, attention to details and hard work.

Mike Brown


Thanks for all you have done to help get us into our own home. We appreciate your market knowledge!

Frank Pozza

So glad to have found Dean and Bill to help us out with the purchase of our new home. Both men are clear and concise in what was needed from us. They work fast, keeping the process moving through completion. They were always available for questions, so refreshing to have them pick up the phone and answer directly. Good honest hardworking folks, providing a solid service. Thank you.

Peg McCleaf


If I could give Approved Credit Services 10 Stars, I would! Dean was such a pleasure to work with! I would absolutely recommend this company!! I am so appreciative of their quick response to my e-mails and phone calls and they were very helpful in answering all the questions I had. I also especially appreciate being kept informed continuously along the way with each step until the end.

Karen Evans


I can't say enough good about Approved Credit Services and the team Bill has assembled! Got my loan (on housing that is tough to finance) in record time. Approved Credit was always ready to take my calls and returned the one's they couldn't within minutes! In my experience with loan engineers and brokers, they are the best I've worked with!

Trace Coats


Working with ACSI is a dream come true. Bill is very responsive and professional. The clients have all said the same!
Thank you again for the prompt attention to detail and making it easier for our corporation from such a long distance!

Tanya Johnston


If I could give a higher rating, I would. Dean is amazing, he helped me in every way so I could purchase my very first home. I would highly recommend this company to everyone.