Thank you Rick.  This was the most painless refinancing I’ve ever experienced. Many thanks to you and Channa for the excellent customer service.
     Eleanor Brewer, Homeowner, Orange

Rick is authentic in his approach to helping clients with their mortgage needs. I value and trust his opinion.
     Cheryl L. Lee, Realtor, Wailea, Hawaii

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 couldn't be happier with our experiences with RTC Mortgage.  
     Nicole Anderson, Esq. Anderson Law Group, Inc, Laguna Beach

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 & Michelle Boyd, former Mayor and Councilman of Laguna Beach

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. 

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 to make it all happen. Simply amazing!!!

****Credit should also be given to Channa Lee. She does all the loan transaction processing better than anyone I’ve seen in the last 35 years in the real estate business. She works amazingly well with lenders, underwriters, prepares all the paperwork, disclosures and keeps it all running smoothly.

We highly recommend them. They are seasoned financial professionals with connections to great lenders and loan programs at the best interest rates available, that you will not find elsewhere.

     Andy Alison, Laguna Beach Realtor & 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 him have always exceeded expectations.

     Jeff Redeker, Laguna Beach Homeowner

Rick has been in the lending industry for decades and is incredibly knowledgeable. Additionally, he is involved in the fabric of the community in almost every regard. One would be hard pressed to find a smarter, better-informed and more honest professional.

     Dave Csira, Laguna Beach Realtor

You and your Team definitely made this stressful/nervous experience a smooth one. Thank you for providing us with personalized service and for being available for us to answer our ‘million’ questions. We’ll definitely recommend our friends and family to use your services.

     Diana & Dario Villalosos, Santa Ana Homebuyers

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 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 Rogers, Aliso Viejo Homeowners

Rick, nice job on the mortgage. It was a great experience for us. We will be around the summer and will definitely call and stop by your office. Thanks for all you and Channa did for us. See you this summer.

     Paul Greif, Laguna Beach Homebuyer

Thank you for helping us through the maze of papers and questions necessary in order to receive a new reverse mortgage. It was, with you, an easy process and we’ll be happy to recommend you to others.

     Rose & Chuck McClelland, Laguna Beach Homeowners


Thanks for the great work. Not a single mistake, hitch or flaw in the whole process. Sometimes when you have nothing 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 Homebuyer

 Thanks again for another great experience.
 Michael & Elizabeth Gosselin, San Anselmo Homeowner
  Thank you! Can't believe you made it happen in such a short timeframe!
Susan Shea, Laguna Beach Homeowner

 I was really impressed from start to finish and hope to work with you guys again.
Joshua & Elizabeth Brandon, North Hollywood Homeowner

  RTC Mortgage is a one stop shop, they can do it all.  When I need refinancing again, I know just who to call. 5 Stars!
 Heidi Miller, Laguna Beach Homeowner

Professionalism, integrity, and expertise ar three qualities that define Rick Cirelli and set him apart from traditional loan brokers or conventional lenders.
Frank Jessoe, Laguna Beach Homeowner 
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

This is our 5th house purchase - you are the best!  Seriously, you guys are the best we have every used!
Greg & Danielle Winchell, Topanga Homeowners

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 our hard work and making it happen.
Casey Spizzirri, Ladera Ranch Homeowner

Thank you for your persistent hard work!  I would without hesitation recommend your service to anyone.
Holly & Steve Adam, Laguna Niguel Homeowners

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

Thank you so much for a great job.  In nearly 40 years of real estate transactions, I don't believe I've every had a loan with NO conditions.  I look forward to working with you in the future.
Judy Upton, Surterre Properties, Laguna Beach

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

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

Thanks for the great work.  Not a single mistake, hitch of 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

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 are wonderful to work with, honest and answer all our questions in terms we can understand.  Than you for all your help in getting us through the process to closing.  We greatly appreciate it!
Leonardo & Suzanne Liedke, Huntington Beach Homeowners

I can't thank you 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 an 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.
David & 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 & Mellisa Almon, Aliso Viejo Homeowners

Thank you for a very good experience!
Kristine Thalman, Director Laguna Beach Chamber of Commerce

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 

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 & Marge Earl, 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 choice to help finance our home.
James St. James, Realtor, Surterre Properties, Laguna Beach

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 new 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 & Marti Klein, Laguna Niguel Homeowners

want  to thank you and Jeneen for all your help.  That was the smoothest refi I have ever done.
Robert Gorelick, Santa Ana Homeowner


I want to send big, huge, massive thanks for all your assistance bringing this one to the finish line. With your excellent advice and guidance, you brought this back from the dead…several times.  Very impressive. Great work and we won’t forget to send business your way when we can.

Aloha, Gary W McCarty, Hawaii Real Estate Broker

It's always a seamless process with you and always pleasant.  Thanks for your help!
Vitas and Lauren Sipelis, San Clemente Homeowners

We thank you and our team for helping us to refinance our home.  Rest assured we'll continue to contact you when mortgage is the topic.  Once again, thanks for all your assistance and expertise.  We do appreciate that.
Leonardo and Suzanne Liedke, Huntington Beach Homeowners