Whether you are buying a home or refinancing, we have the right tools and information to help you make a decision. With over 40 years of experience, RTC Mortgage provides its clients with a level of expertise that is unsurpassed in the industry. RTC Mortgage specializes in providing dedicated customer service and finding the lowest rates for both residential and commercial loans.
RTC also works with our clients' tax and financial advisors to integrate their mortgage into their overall long and short-term financial plans. We help our clients gain wealth by managing their home equity to increase liquidity, safety and rate of return while minimizing income taxes. Using our online loan application, you can take your time and complete your application at your own pace.
RTC also works with our clients' tax and financial advisors to integrate their mortgage into their overall long and short-term financial plans. We help our clients gain wealth by managing their home equity to increase liquidity, safety and rate of return while minimizing income taxes. Using our online loan application, you can take your time and complete your application at your own pace.
Services
At RTC Mortgage, it's not enough for us just to obtain the best rate and terms for our clients. We also work with our clients' tax and financial advisors to integrate their mortgage into their overall long and short-term financial plans. We help our clients gain wealth by managing their home equity to increase liquidity, safety and rate of return while minimizing income taxes.
Rick Cirelli handled the refinance on our home and came up with a creative option for us, which resulted in cutting our mortgage payments by one-third. Rick Cirelli is exceptional in his knowledge and ability to meet his customers financing needs, whether buying a new house or refinancing. As Realtors, my wife and I have been fortunate to have Rick take care of the loans on many transactions, always with great results and happy clients.
We represent numerous lenders throughout the United States that offer the best possible rates, terms, products and customer servie. We combine our professional expertise with direct access to hundreds of loan products to obtain financing tailored to our clients' specific goals. Do you have a question?
Mortgage loans are categorized into three groups to determine interest rates: Conforming, High Balance Conforming and Non-Conforming or Jumbo. The rates that you see published by the media usually pertain to "conforming" loans. These are loans that meet the criteria set forth by the two Government-owned agencies known as Fannie Mae and Freddie Mac plus HUD which insures FHA loans.
FHA loans are definitely in favor for first time homebuyers and others with limited funds for a down payment. Conventional loans are loans that are saleable to Fannie Mae and Freddie Mac, the two government-owned agencies. These loans are insured by Private Mortgage Insurers (PMI) when the down payment is less than 20%.
Reviews (7)
Kate K.
Jun 11, 2021
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Thank you RTC Mortgage for helping my daughter and her husband buy their first home! Rick was available every step of the way to reassure and answer any questions. When their was a big glitch in the deal, Rick came up with a winning solution within minutes! Rick has the good track record and experience to close any deal with expertise! His calm and steady demeanor is very comforting during stressful transactions. I would recommend Rick and RTC Mortgage to anyone wanting excellent trustworthy service!! They deserve 10 stars!!
Andy A.
May 21, 2019
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Rick Cirelli at RTC Mortgage is Exceptional in his knowledge and ability to meet his customers financing needs, whether buying a new house or refinancing. As Realtors, my wife and I have been fortunate to have Rick take care of the loans on many transactions, always with great results and happy clients.
However, this time it was our turn... We recently found our "dream home" in another state, but would prefer to also keep our current home in coastal OC. Rick came up with an amazing lender with a financing package that afforded us the opportunity make it all happen. Simply Amazing!!!
However, this time it was our turn... We recently found our "dream home" in another state, but would prefer to also keep our current home in coastal OC. Rick came up with an amazing lender with a financing package that afforded us the opportunity make it all happen. Simply Amazing!!!
Marguerite C.
Nov 30, 2018
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Rick has helped me multiple times over the past 15 years to refinance my home and get the absolute best rates. He is extremely knowledgeable regarding the mortgage business and takes the time and effort to be the best at what he does. He knows the Laguna Beach market extremely well and stays involved in our community. I would give RTC Mortgage Corporation my highest recommendation as a mortgage broker. Rick is very patient , and helpful throughout the refinancing process.
Marguerite C
Marguerite C
Mary Fegraus
Sep 18, 2017
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Carrie D.
Jun 14, 2017
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Cheryl R.
Feb 22, 2017
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Rick and his team are by far the best Mortgage broker we have ever used. Over the past 20 years we have refinanced several times continuing to reduce our payments with lower interest rates. Rick is right on top of contacting us when something better comes along. He is easy to get a hold of and gets back to us immediately when we contact him. Thanks Rick for always doing your best work for us.
Cheryl & Ralph
Cheryl & Ralph
Todd Hammett
May 21, 2016
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I have had the privilege of working with Rick Cirelli and his talented team at RTC Mortgage Corporation for the past several years and have referred many of my clients to him. He is extremely knowledgeable about the mortgage industry and how to find creative ways to finance residential and commercial properties. RTC Mortgage Corp has been an incredible resource to me and I can't recommend them more highly.
Sincerely,
Todd Hammett CPA
Sincerely,
Todd Hammett CPA
