5027 W Laurel Street, Tampa, FL 33607

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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.
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Make Your Dreams
Come True
Your family deserves the most comfortable house to live.
We help people to start a new life in a new place!
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Don’t Miss
Your Perfect House!
Forget about tons of paperwork and lists of unknown words!
We can help to handle every issue you’re facing on your way!

New Look, New Management, Even Better Service!

Residential Acceptance Corporation (RAC) is dedicated to building great customer experiences and cultivating strong business relationships. Our goal is to take the idea of a “satisfied customer” to the next level.

Figure: 7 TAC §80.200(b)

Important Information Regarding Texas Loans

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

our services

RAC Mortgage - With you every step of the way!

01. BUYING A HOME

We reward money-saving real estate program for home buyers…

01. BUYING A HOME

We reward money-saving real estate program for home buyers…

02. REFINANCING

We refinance our clients as rates change quickly and…

02. REFINANCING

We refinance our clients as rates change quickly and…

03. CREDIT SERVICE

Credit is a financial instrument used to help clients…

03. CREDIT SERVICE

Credit is a financial instrument used to help clients…

 OUR SERVICES

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

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Fast & Easy Application Process

Choose Your AMC

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

Let's Close Some Loans Together!

We work hard on your behalf to get loans closed for your clients

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Latest News from RAC Mortgage

Loan to Value Ratio Explained: Your Mortgage Guide

Loan to Value Ratio Explained: Your...

Discover what the loan to value ratio explained means, how to calculate it, and why it’s vital for securing your mortgage. Learn more now!
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Is a Home Inspection Required for...

Is a home inspection required for a mortgage? Learn why lenders care, when it becomes mandatory, and how it protects you as a homebuyer.
Cash Out Refinance Requirements A Complete Guide

Cash Out Refinance Requirements A Complete...

Unlock your home's equity. Learn the essential cash out refinance requirements for credit, LTV, and income to see if you qualify with RAC Mortgage.