Loan Programs & Scenarios
Our Proven Paths to Credit Approval
01.
First-Time Homebuyer with Limited Savings
We secured an FHA mortgage by pairing it with strategic down payment assistance, allowing our client to buy their first home with ease.
Priority: Minimal Capital | Credit Advice
02.
Self-Employed Buyer with Complex Income
Leveraging bank statement programs and unconventional income verification, we secured high-value financing for this entrepreneur while ensuring debt-to-income harmony.
Expertise: Optimal Capital | Structured Solutions
03.
Homeowner Refinancing to Lower Monthly Payment
We optimized this client’s debt structure by securing a favorable interest rate, effectively reducing monthly liabilities and enhancing cash flow.
Aim: Rate Mitigation | Fiscal Relief
04.
Credit-Challenged Buyer Preparing to Purchase
By implementing a specialized credit action plan and strategic timeline, we enhanced credit profiles to facilitate mortgage approval.
Aim: Credit Recovery | Approval Methods
Lending & Credit Management
02.
01.
Home Loans
01. Pre-Approval
Whether you're looking for conventional, FHA, or VA loans, I offer flexible scenarios customized to your financial profile. I navigate the complexity so you can focus on your future.
Shop for your home with confidence. I provide rapid pre-approvals that clarify your budget and strengthen your offers, ensuring builders and sellers take you seriously from day one.
03.
Refinancing
Don't stay locked into a high rate. I analyze current market trends to help you lower monthly payments, consolidate debt, or pull equity from your home for major investments.
04.
Credit Repair
Achieve the scores you need for premium interest rates. I provide strategic credit guidance and plans to boost your credit health, unlocking the best loan opportunities available.
Entrepreneurs establish fundable businesses through LLC formation, business registration, D-U-N-S® Number setup, and business credit guidance, positioning them for future financing and growth opportunities.
05.
BUSINESS SERVICES
Navigating your loan from start to finish
Your Journey Home
01 Analysis
We examine your goals and to build a solid foundation, ensuring you are prepared to secure the most competitive borrowing power available.
02 Discovery
If a home is your goal, we explore diverse loan programs including FHA, VA, Portfolio and Conventional options, as well as specialized grants for down payment assistance.
03 Funding
Our team handles every detail of the process with care, ensuring a stress-free experience as you receive the results to your projects
Your Stress-Free Guide to Borrowing Power
Latoya Cunningham,CEO
I’m Latoya, CEO of RAC City Mortgage LLC and Senior Loan Advisor. With over 20 years in the finance industry. I truly believe financial freedom should be within reach for everyone. I know the finance process can feel overwhelming, but think of me as your partner, not a salesperson. Whether you are shopping for home, building a business or just need simple credit repair, I’ll be honest about your goals and what we need to do to get you on the right track. My mission is to keep things simple and keep you calm, so you can feel totally ready to take this next step. We’ll get there together, one clear step at a time.
“Latoya turned our credit around and got us pre-approved in weeks. We finally secured our first home loan without the stress we expected.”
Tameka & David Shoals
Client Outcomes
“The refinancing process was seamless. Latoya, with her advice, found us a much better rate which significantly lowered our monthly payments. Highly recommend for any home owner.”
Jessica Mcquire
“As a first-time buyer, I had no idea where to start. Latoya gave us credit guidance and walked me through every loan option until we found the right on. She also helped me build my business and I am now getting business credit offers."
Jacob Tanniehill
The Key to Freedom Starts Here.
The first step toward your new project is a conversation. Professional, confidential, and quick. Get clarity on your loan options and credit standing today.