Residential Acceptance Corp

Residential Acceptance Corp NMLS #: 150526
Competitive pricing on government loans with FICO 620+, Manual Underwriting. RAC handles FICO scores 550+. NMLS #150526

Our staff is fully bilingual (English/Spanish). Call Today to get your loans started at (813) 935-1828 NMLS #: 150526
RAC is a group of lending specialists dedicated to helping mortgage professionals close difficult loans on-time. For more than 20 years, RAC has been working one-on-one with mortgage brokers, originators, and processors across the country to restructure troubled loans and find cleve

r 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. 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. Key benefits of working with RAC:
-24-hour underwriting
-No overlays - RAC underwrites by the Guidelines
-Down to 580 for VA & FHA
-Down to 581 for USDA
- Down to 550-579 - DU Approved
-Manufactured & Renovation home lending
-Direct access to our underwriters and closers
-One-on-one collaboration with our AEs throughout the loan process
-FHA, VA, USDA & Conventional Lending

We are licensed in 28 states and headquartered in Tampa, FL.

VA LOANSYou earned your VA benefits — now it’s time to use them. VA loans offer powerful advantages like zero down payme...
02/26/2026

VA LOANS
You earned your VA benefits — now it’s time to use them. VA loans offer powerful advantages like zero down payment options, no PMI, and competitive interest rates for eligible veterans and service members.
👉 Find out how your VA benefits can work for you.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | VA ID # 6308390000
Equal Housing Lender

🌾 USDA LOANSIf you’re buying in a qualifying rural or suburban area, you may be eligible for a USDA loan with zero down ...
02/26/2026

🌾 USDA LOANS
If you’re buying in a qualifying rural or suburban area, you may be eligible for a USDA loan with zero down payment and affordable monthly costs. Many buyers are surprised to learn how broad USDA eligibility really is.
👉 Ask us if your location qualifies.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

NON-QM LOANSNot every borrower fits traditional lending guidelines — and that’s okay. NON-QM loans are designed for real...
02/26/2026

NON-QM LOANS
Not every borrower fits traditional lending guidelines — and that’s okay. NON-QM loans are designed for real-world income situations, offering flexible documentation options without forcing you into a one-size-fits-all loan.
👉 If a bank said no, let’s explore smarter options.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

🌍 FOREIGN NATIONAL LOANSYou don’t need U.S. residency to own property here. Our Foreign National Loan programs provide f...
02/26/2026

🌍 FOREIGN NATIONAL LOANS
You don’t need U.S. residency to own property here. Our Foreign National Loan programs provide flexible financing options for international buyers investing in U.S. real estate.
👉 Let’s make U.S. property ownership simple.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

🏠 FNMA (CONVENTIONAL) LOANSConventional loans backed by Fannie Mae offer competitive rates, flexible terms, and lower mo...
02/26/2026

🏠 FNMA (CONVENTIONAL) LOANS
Conventional loans backed by Fannie Mae offer competitive rates, flexible terms, and lower mortgage insurance for qualified borrowers. A strong credit profile can open the door to long-term savings.
👉 Let’s structure the right conventional loan for you.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

🏡 FHA LOANSBuying a home doesn’t require perfect credit or a huge down payment. FHA loans are designed to make homeowner...
02/26/2026

🏡 FHA LOANS
Buying a home doesn’t require perfect credit or a huge down payment. FHA loans are designed to make homeownership more accessible with flexible guidelines and competitive rates. Whether you’re a first-time buyer or looking to re-enter the market, this program may be the solution you’ve been waiting for.
👉 Let’s review your eligibility and get you pre-approved.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | FHA ID # 24398-0000-9 | VA ID # 6308390000
Equal Housing Lender

🔑 FIRST-TIME HOMEBUYER PROGRAMSBuying your first home can feel overwhelming — but it doesn’t have to be. We offer progra...
02/26/2026

🔑 FIRST-TIME HOMEBUYER PROGRAMS
Buying your first home can feel overwhelming — but it doesn’t have to be. We offer programs that reduce upfront costs and guide you through every step with clarity and confidence.
👉 Start your homeownership journey today.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

⭐ EXPANDED-PRIME LOANSIf you’re just outside conventional guidelines, Expanded-Prime loans offer a smart middle ground —...
02/26/2026

⭐ EXPANDED-PRIME LOANS
If you’re just outside conventional guidelines, Expanded-Prime loans offer a smart middle ground — more flexibility with better pricing than Non-QM.
👉 Let’s find the balance that works for you.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

📊 DSCR / INVESTOR LOANSGrow your portfolio without personal income verification. DSCR loans qualify based on the propert...
02/26/2026

📊 DSCR / INVESTOR LOANS
Grow your portfolio without personal income verification. DSCR loans qualify based on the property’s rental income — making them ideal for investors focused on cash flow.
👉 Let the property qualify for itself.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lende

🏢 CONDO LOANSNot all lenders approve condos — we do. From warrantable to select non-warrantable projects, we specialize ...
02/26/2026

🏢 CONDO LOANS
Not all lenders approve condos — we do. From warrantable to select non-warrantable projects, we specialize in condo financing solutions.
👉 Let’s check your building and get you approved.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

💼 BANK STATEMENT LOANSFor self-employed borrowers, tax returns don’t always tell the full story. Bank Statement Loans us...
02/26/2026

💼 BANK STATEMENT LOANS
For self-employed borrowers, tax returns don’t always tell the full story. Bank Statement Loans use your real cash flow to qualify — not outdated paperwork.
👉 Let your bank statements work for you.
📞 813.935.1828
📠 813.931.2396 (fax)
📍 5027 W Laurel Street, Tampa, FL 33607
📧 [email protected]
🌐 racmtg.com
NMLS # 150526 | Equal Housing Lender

Address

5027 W Laurel Street
Tampa, FL
33607

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18139351828

Website

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