Working with Rick and his team was a breeze.  He got me a great rate with an effortless refinance process.
Patricia Kelly, Menlo Park Investment Homeowner

Thanks for the great work. Not a single mistake, hitch or flaw in the whole process. Sometimes when you have nothing go wrong in a deal like this you mistakenly think it was because it was easy and anyone could have done it. I feel it is because you are great at what you do. On behalf of myself and my family, thank you. 
Scott Thompson, Laguna Beach Homeowner

Thank you so, so much, Rick!  Joe & I are loving our new home - it was all worth it in the end :) !!  I appreciate all of your hard work and making it happen.  We are very grateful.

Casey Spizzirri, Ladera Ranch Homeowner 

Rick and Lisa have done an extraordinary job on my mortgage for this purchase on Woodstock.  Very resourceful and terrific service.  Highly recommended.

Michael McCracken, Los Angeles Homeowner

We appreciate the work and support you both provided during out purchase process, and we will definitely provide recommendations to anyone we know who is in the market!
Mark & Teresa Ryan, Redondo Beach Homeowners

You and Lisa are a great team.  Thanks for making the process as easy as possible for us.

Beth & Kelly Thomas, Santa Ana Homeowners

The level of service is/was outstanding!  Thank you very much for your patience and expertise in guiding us through this process!
Bruce & Kim Fiscus, San Francisco Homeowners

We keep coming back to RTC because you both are wonderful to work with, honest and answer all our questions in terms we can understand.  Thank you Lisa and Rick for all your help in getting us through the process to closing.  We greatly appreciate all of it!

Leonardo & Suzanne Liedke, Huntington Beach Homeowners

I can't thank you both enough for all your assistance with this process. I know it was a tough road in the beginning to get my credit score back on track and I really appreciate the advice and patience while I fixed it. You both are a pleasure to work with! 


       Kathleen Hawkins, El Segundo Homeowner

Thanks Rick.....incredible service!  My hat is off to you and Lisa for doing such a great job on our loan.  You got the rate we wanted and the fees were very reasonable.  All in all the experience was painless and rewarding.

  Dave & Caroline Dash, Laguna Niguel Homeowners

Thanks for the amazing work you do.  You are incredible and so professional.  Appreciate it so much.  Happy to refer you to anyone!
           Candace Purvis, Mission Viejo Homeowner

Thank you and your whole team in making our transaction go so smoothly. Everything played out just as you planned it. We appreciate all the follow-through that you and your team did. Top team. 
We are happy to recommend you any time. 
           Gasper Patrico & Melissa Almon, Aliso Viejo Homeowners

Thank you so much for a great job. In nearly 40 years of real estate transactions, I don’t believe I’ve ever had a loan with NO conditions. I look forward to working with you in the future.

         Judy Upton, Surterre Properties

Thank you for a very good experience!

        Kristine Thalman, Director Laguna Beach Chamber of Commerce

Professionalism, integrity, and expertise are three qualities that define Rick Cirelli and set him apart from traditional loan brokers or conventional lenders. Rick involves his clients in every step of the process with immediate feedback, total transparency, and honest candor. On many occasions Rick has resolved seemingly insurmountable problems with efficiency, flexibility, and clever creativity. Rick instills composure and confidence in his clients as he guides them through an emotionally overwhelming morass of incomprehensible rules and contradictory regulations. At the end of the day Rick Cirelli delivers the product, closes the deal, and makes one feel so fortunate to have selected this outstanding professional. I have and shall continue to share his name with my peers as they navigate the loan process in search of a beacon of light.

        Frank Jessoe, Laguna Beach homeowner

My experience with Rick Cirelli has always been at the highest levels of professionalism and integrity. Clients that I have referred have been very satisfied with the service and my own personal interactions with Rick have always exceeded expectations.

        Jeff Redeker, Vice President, Bank of America Business Banking Team

When I reviewed the package you sent, I was very surprised to receive the gift card for Rock 'N Fish. That was very thoughtful of you, but I think I should have sent you a gift for doing the almost impossible. 

I have refinanced homes a number of times over the years and this last experience with you was absolutely the best. Your attention to detail, follow-through and timeliness were all 10+.

        Bob and Marge Earl, Laguna Beach homeowners

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

        Kelly and Michelle Boyd, former mayor and current councilmember of Laguna Beach (Kelly)

You guys did a great job--delivered what you said in the time required, which was FAST in this market! Thank you.

        Eric and Vaughan Speare, Laguna Beach homeowners

As a real estate professional, I am constantly asked for service referrals, and as a lender, Rick Cirelli has always provided my clients with outstanding service. Being an independent broker gives Rick far more flexibility than many institutional lenders, and quite often he has been able to secure a much better rate and terms for my clients. Rick was also the lender my partners and I chose to help finance our homes.

        James St. James, Realtor, Surterre Properties

I have now worked with Rick Cirelli on two occasions; my first mortgage and to refinance. He has been excellent to work with both times. When we first closed on our house the bank gave us less than three weeks to secure financing. Rick worked hard and made the deal happen! Without him we would not be enjoying owning our first home.

Today, I am signing my escrow papers for the refinance Rick helped us secure on our property. Again, he and his team have made the process easy and transparent. We have a great rate and could not be happier with our experiences with RTC Mortgage. Rick and his team at RTC come highly recommended. They are honest, hard working and overall great people. Thank you, Rick, for all that you have done for my family and I.

        Nicole Anderson, Esq., Anderson Law Group, Inc.

Marti and I wanted to thank you and your staff for working so hard on our behalf to get us the loan and into our home. Today is the big move day and we are anxious to see how well all our stuff fits into the new place! I'm still amazed at the loan rate you locked in for us.

        James and Marti Klein, Laguna Beach homeowners

I want to thank you and Janeen for all your help. That was the smoothest refi I have ever done.

        Robert Gorelick, Santa Ana homeowner

Thank you for your persistent/hard work! I would without hesitation recommend your service to anyone.

        Holly & Steve Adam, Laguna Niguel homeowners

We are very pleased and truly appreciate your assistance. You and your staff, are very helpful, professional, courteous and accommodating. Thank you sincerely for your excellent service.

        Dr. Thuy Nguyen, Irvine homeowner

This is our 5th house purchase - you are the best!  Seriously - you guys are the best we have ever used!

        Grey & Danielle Winchell, Topanga homeowners