Meet the RAC family!

We’re a group of lending specialists dedicated to helping mortgage professionals close difficult loans on-time.

Residential Acceptance Corporation


For more than 19 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.

Residential Acceptance Corporation


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.

Residential Acceptance Corporation


Residential Acceptance Corporation (RAC) is a [wholesale/correspondent] lender licensed in 21 states and headquartered in Tampa, Florida. RAC has 35 years of experience underwriting and funding loans. Our lending portfolio includes FHA, VA, USDA, Conventional, and Non-Agency/Non-QM loan programs. Our dedicated staff of Underwriters, Account Executives, Processors, Closers and Support Staff are here to provide you with “Gold Standard” service!

Sandra Valvano


Nasly Tourgeman

USDA Division Supervisor/Underwriter

Diane Kemper

VA Division Supervisor/Underwriter

Adam Long

Account Executive

April Burkett


Mike Napoli Sr

Account Representative