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