Welcome to Access Capital Group, Inc.!
Your trusted source for smarter home financing.
Access Capital Group, Inc. has been helping homebuyers and homeowners navigate the mortgage process with confidence since 2001. Through Loan Goal™, you have seamless access to interactive mortgage tools, straightforward answers, and guidance from experienced, nationally licensed mortgage professionals.
Whether you're purchasing, refinancing, or simply exploring your options, our team is here to provide the clarity and education you need to make informed decisions every step of the way.
What are you waiting for?
Getting started is easy!
VA Loans
ZERO Down Payment purchase
Cash-Out - 100% of Value
VA IRRRL NO Score Required
500 Minimum Credit Score
FHA Loans
Down payment - 3.5% 580+ Credit
Cash-Out Refinance to 80% LTV
FHA 100% Program
500 Minimum Credit Score
Other Loan Options
Bank Statement Loans
Conforming loans
Jumbo Loan
USDA Zero Down Loan
What our clients are saying
-
Jeremy Ellis
December 13, 2025Micheal is exceptional . He went above and beyond to help us with things unrelated to our mortgage loan . We are grateful and lucky to of found a person... read more like Micheal to navigate us throughout our home loan and beyond . He genuinely cares about his clients. I can be bit of a challenge to deal with at times and ask a lot of questions . Micheal was always patience and kind every interaction throughout the home buying process . . I would recommend Micheal O'Connor at Loan Goal to my family or friends without hesitation .
Lesley Severin
November 23, 2025Mark and Cathy were amazing to work with. We were first time homebuyers using a VA loan and Mark made everything feel straightforward and stress free. He kept us updated,... read more answered all of our questions, and walked us through each step so we always knew what to expect. We are really grateful for how patient and helpful he was throughout the whole process. Thank you for helping us get into our new home as well as getting our deposits back at closing!
Lacey Goodson
November 22, 2025Michael and his staff were outstanding! They went out of their way to make sure you understood everything and to get you through the process. Michael was always available if... read more you had questions or concerns he would take the time and fully explain everything. Thanks Michael you were a blessing!
Kenneth Severin
November 22, 2025 -
Very happy with all work done by Michael and his associates. Second time work with and recommended to all my friends.
Hoss Ogden
November 10, 2025Choosing Access Capital Group was the best decision I made. What I thought would be a stressful mortgage process felt easy thanks to their amazing team. Mark Christoffersen and Cathy... read more Zebarth are true professionals; they were incredibly efficient, friendly, and always made time for me. The best part was their consistent, timely communication and clear guidance that laid out every step. If you want a stress-free closing, call Access Capital
Ja'Keim Haniah
November 3, 2025I had my first home purchase experience with Mark and his colleagues they rock. They are the best that ever did it. I am so happy I would recommend them... read more for anyone whether their first time homebuyers or have already purchased before I can’t express enough how satisfied and excited I am to have worked with this company.
Ava Knox
November 1, 2025I honestly can’t thank Mark enough. After being let down by other lenders at the very last minute, we were heartbroken and sure everything was falling apart. But Mark and... read more his amazing team stepped in and made what felt impossible, possible. In just two weeks, they processed our VA loan and got us to closing! They worked tirelessly, kept us informed every step of the way, and truly cared about helping us make this dream a reality. I’ll never forget how they came through for us when no one else would. Highly recommend to anyone who needs mortgage professionals that genuinely go above and beyond. Thank you Mark, Tim and Cathy!
Jessica Blaize
October 28, 2025 -
Honestly don’t even know where to start…Honestly didn’t think I was going to get approved or anything was down until I spoke with Mark. He got me in the door... read more and explained everything to me and never let me down one bit. I’m now sitting here in my OWN home and if you asked me 5-6 months ago if I seen myself owning a home I laugh so hard but here I am thank to these group of people. They made sure me and my family had a home. Also I like to send an honorable mention to Cathy she and Mark worked their tails off! Day in day out! If you’re having doubts etc. you come talk to these guy and gals they’ll get you where you need to be!
Tracy Black
October 3, 2025Mark and his team are awesome from finding our home to closing took only 30 days. What awesome job to get us into our forever home. Our family thanks you... read more again
Ray Sandberg
September 11, 2025Ray Sandberg
August 11, 2025While many other loan companies just look at the surface and immediately deny the loan, Mark and his team at Loan Goal really take time to look deeper into your... read more credit profile. They work with you throughout the process and very quick to respond to any inquiries. As a veteran using the VA home loan, I definitely recommend going with them before shopping around and wasting time with other lenders. From literally start to finish, closed on time within 45 days or less! I don't often write reviews but they definitely deserve it. Thank You Mark
william lyman
July 11, 2025 -
Mark and Cathy were great!! They helped me with everything even when I was nervous they weren’t and reassured me! I will always work with them!!
Aimee
June 12, 2025Mark is the magic man! I thought we were out of luck to purchase the home of our dreams but Mark was able to make it happen. I highly recommend... read more if others are telling you it cannot be done!
Alex Keller
June 10, 2025Mark was incredibly knowledgeable and supportive throughout the home buying process. He worked diligently to get me a very good rate. Much lower than the average. He made the experience... read more much easier than I thought it would be. Highly recommend!!
Dustin Wieland
May 14, 2025I am a true believer! I have dealt with Mark Christoffersen for years now as he's always been very honest about what things I needed to achieve on my end... read more before he could get us into a house. When we finally knew we would be able to qualify, I still didn't believe it when he gave us the green light to shop for houses. I was one of those people who constantly saved Zillow houses and watched as they got purchased. Once we put the work in on our end, Mark and our loan processor Cathy Zebarth went to work on theirs! The way to keep things going smoothly is to have paperwork and necessary documents squared away which wasn't a problem since I knew what was on the line, I pretty much had done my research and had everything readily available. Even then, the process is still stressful because you will be asked for things over and over again which I didn't anticipate but Mark and Cathy were always very reassuring from start to finish. We used a local realtor that I know through networking and even they spoke very highly of how easy it was to work with our loan team and together they got our family into our 5 bedroom, 4 bath dream home! Only in our wildest dreams did we think this was something we could do for our kids and we owe so much to Access Capital Group! I called so many companies that turned us down over the years and even when Access Capital Group couldn't help us, they gave us great direction and hope that this would be our reality. With great gratitude, The Ellis Family.
Natalie Denmon
May 8, 2025 -
Mark doesn't pull punches. He told me what I needed to fix, I did and 2 years later (according to his predictions) I landed my house! As a military personnel... read more it was fairly easy to follow instructions. Sadly, like everything else we had a couple times of hurry up and wait. Expect triplicates to be submitted. Mark was and is very honest with me. If I had questions I asked them and he had the answers. I STRONGLY recommend if anyone has been denied a home loan before, use Mark. Listen and follow his recommendations to the letter and you will be able to do what I have done! If you don't know, ask. Like I stated earlier Mark didn't pull punches, dangle a carrot in front of you. He told me what I needed to do. Check in with him periodically to see how you're doing. Thank you so much in getting me our forever home!!
nelkaya
March 29, 2025We're in the process of getting a loan for our home the person first helped us Aiden was very friendly and kind and the second who helped us was Micheal... read more he was also very friendly and kind and very informative! I highly suggest this place especially if youre not really sure about certain things they will help!
gravity cp
March 4, 2025




