Residential Acceptance

Working at Residential Acceptance Corporation (RAC) is more than just a job, it's family. Our family-like atmosphere has been at the forefront of the company culture since RAC began in 1998, and is the driving force behind the company's success. A career with RAC provides you an opportunity to work with talented Underwriters, Closers, and Account Executives in the exciting world of wholesale mortgage lending industry.

We hope that we were able to provide you with the service you deserve. We would greatly appreciate it if you could share your experience with us. We value your feedback and we want to make sure to provide the same great service to our customers time and time again. We welcome any comment that will help others understand what our services are all about.

If your borrower lacks great credit and has not been able to save a big downpayment, then the FHA mortgage may be the perfect fit. Now with credit scores down to 500, your borrower could become an FHA homeowner today. Did you know that FHA & HUD offer special financing for home buyers that are purchasing HUD owned homes?

While a conventional mortgage appeals to a wide demographic, it's especially good for first-time borrowers with decent credit and some amount of down payment. Conventional loans also come with lower costs and home buying flexibility. The conventional refinance is a non-government-backed loan that is used to refinance or replace any existing mortgage.

Here at RAC, we specialize in restructuring USDA loans and finding efficient ways to get them approved and closed quickly. We have in-house USDA underwriting specialists dedicated to helping you close your loans quickly. USDA refinance loans allow existing USDA Direct Loan and USDA Guaranteed Loan borrowers to refinance at a lower interest rate.