Residential Acceptance Corporation

As your full-service underwriter and mortgage lender, RAC works one-on-one with you to get your borrowers' loans approved and closed on-time.


24-Hour Underwriting

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

Send A Pre-Qual
Start A Loan


No Overlays, Ever.

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


Your AMC

Choose Your AMC

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

RAC Preferred
AMC List

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


As Low As


FHA Loan Products


As Low As


USDA Loan Products


As Low As


VA Loan Products
At Your Service

Customer Service Is Our Top Priority

Every member of the RAC team is committed to your success. Questions? We have answers. When you choose RAC, you have direct access to your underwriter. Yes, direct access, one-to-one. Receive prompt, detailed feedback on your loans, pre-quals, and scenarios. Want to choose your own AMC? No problem. Exploring ways to restructure a loan? RAC can help. 24-Hour underwriting. Fast closings. And no overlays, ever.

Give RAC A Call

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!