Full Service Mortgage Lender

As your full service mortgage lender and underwriter, RAC works one-on-one with you to get your borrowers' loans approved and closed on-time..
Scenario/Pre-Qual Form
Loan Pipeline

** As your full service mortgage lender we continue to monitor the rapidly changing economic landscape and evaluate credit risk in response to the COVID-19 pandemic, RAC is following rapidly changing credit policy updates by our business partners with regard to Non-Agency and Government products for new and previously submitted loan transactions.  As a result of this, and the volatile market conditions, specific loan closing and/or fundings may be suspended indefinitely.  Please call if you have specific questions about your loans in process or any future submissions. **

24-Hour
Underwriting

24-Hour Underwriting

Send your loan in by 12 P.M.EST, and it will be underwritten by 6 P.M.
Same-day turnaround!

Scenario/Pre-Qual Form
Loan Pipeline

No
Overlays

No Overlays, Ever.

RAC writes to the guidelines, simple as that. Common sense underwriting.

Loan Products:
FHA | VA | USDA | FNMA
Non-Agency/Non-QM

Choose
Your AMC

Choose Your AMC

Bring your own AMC, or pick one from RAC’s preferred list. Your choice!

RAC’s list of preferred AMC

7-Day Closings

7-Day Closings

Full files move to the front of the line! RAC gets your loans to the closing table in rapid time.

Quick Close Checklist

“

RAC underwriters are amazing to work with! [My underwriter] diligently walked with me throughout the entire process and we were able to close my loan in 10 days!

Donald A.Branch Manager
“

I always like working with RAC. [RAC] does a good job of answering all my questions and makes me feel like we are on the same team!

Kim F.Loan Originator
“

From application to close the process is smooth, well informed and professional. We especially appreciate the personal service. Keep up the great work!

Virginia M.Loan Originator
“

This was one of the best experiences working with a wholesaler. Everyone was very responsive, helpful, and went the extra mile to help... we received elite service.

Sandy U.Branch Manager
“

RAC was able to do an undoable loan! The whole team pitched in and worked on this file, even after hours. Amazing!!

Glenya C.

Let's close some loans together!

Send A Pre-Qual
Start A Loan