An updated was published at 10:42 AM, Friday Mar 24, 2017                                                                                                                 If you would like to be added to our list of prefered appraisal management companies, please let us know at: accountsupport@racmtg.com.                                                                                                                 An updated was published at 10:42 AM, Friday Mar 24, 2017                                                                                                                 If you would like to be added to our list of prefered appraisal management companies, please let us know at: accountsupport@racmtg.com.                                                                                                                 If you are experienced in mortgage loan underwriting, closing, or processing check out our careers page, and apply with us today!

Residential Acceptance Corporation

RAC is a group of lending specialists dedicated to helping mortgage professionals close difficult loans on-time. For more than 17 years, RAC has been working one-on-one with mortgage brokers, originators and processors across the country to restructure troubled loans, and find clever ways to get loans approved and closed quickly. We have become the go-to destination for mortgage professionals who need guidance and fast turnaround times throughout the loan process. We are currently running at 24-hour underwriting and no overlays.

At RAC, we believe lending means building trustworthy and meaningful business relationships. That's why we practice a transparent and open communication loan process where our clients have direct access to our underwriters and a knowledgeable customer service team at their disposal. We understand the time constraints and frustrations of the mortgage industry, which is why we make sure to accommodate our clients any way we can.

    Key benefits of working with RAC:
  • - FHA, VA, USDA & Conventional Lending
  • - 24-hour underwriting
  • - No overlays
  • - No score/low score down to 500 for FHA & VA
  • - Manual underwriting specialists
  • - Manufactured home lending
  • - Direct access to our underwriters and closers
  • - One-on-one collaboration throughout loan process

We are licensed in 16 states and headquartered in Tampa, FL.
Specialties: Residential Purchase Lending, Low Credit Score Lending, Manufactured Home Lending, Specialize in Troubled Loans, 24-Hour Underwriting, No Overlays, Direct Access to Underwriters, Refinance, Rehab & Repair Lending, Accommodating & Knowledgeable Customer Service

Florida Michigan Ohio Indiana Tennessee Arkansas Georgia Kentucky Alabama Louisianna Mississippi Minnesotta Oklahoma Texas Utah Oregon California
 

Quick Links

Program Matrix

RAC's Program Matrix - available program overlays and criteria.


Program Overlays
The Advantages of RAC!

Read about the advantages of using Residential Acceptance Corporation as your lending solution!

Program Highlights

Check out our member section, or sign up here to start brokering your loans to RAC!

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Residential Acceptance Corporation Lock Policy for all loan programs.


RAC Lock Policy