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..

** 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

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, Ever.

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

Loan Products:

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!