Loan Programs

We offer a variety of home loan and refinancing options that help ensure your borrower’s loan is closed quickly. In addition, we have flexible underwriting with multiple investors to fit each of your borrower’s needs.

We are currently running at 24-hour underwriting and no overlays.

Need some help with a loan?
Contact us! We are here to assist you.
Phone: 813-935-1828
E-mail: accountsupport@racmtg.com
Form: racmortgage.com/contact-rac/

FNMA

We offer a variety of programs to fit each of your borrower’s needs.

FHA

We accept credit scores as low as 580 with no overlays.

USDA

We accept credit scores as low as 580 with no overlays.

VA

We are now an automatic approval lender & manually underwrite down to 580.