• Rick Cirelli
    MLO
    NMLS# 288267

    Richard T. Cirelli comes to us with over 40 years of mortgage experience.  Throughout his career, Rick has held executive positions with some of the country’s largest and most respected mortgage companies. For the past 18 years Rick has owned and operated his own mortgage company – RTC Mortgage Corporation – based In Laguna Beach, California.

    Rick has built a strong reputation as a highly professional and knowledgeable mortgage lender committed to the highest principles and outstanding customer service.  Rick concentrates on serving the needs of real estate professionals, individual homebuyers and home owners, and builders throughout Hawaii and California.

    Rick’s background includes extensive experience financing all types of residential and commercial real estate including reverse mortgages and alternative loan products for borrowers with complex financial situations.

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  • Testimonials

    Cheryl & Ralph  
    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.
    Michael & Elizabeth G. San Anselmo, CA
    Thanks again for another great experience.
    Susan S. Laguna Beach, CA
    Thank you! Can't believe you made it happen in such a short timeframe!
    Joshua & Elizabeth B.  North Hollywood, CA
    I was really impressed from start to finish and hope to work with you guys again.
    Frank J. Laguna Beach, CA
    Professionalism, integrity, and expertise are three qualities that define Rick Cirelli and set him apart form the traditional loan brokers or conventional lenders.
    Patricia K. Menlo Park, CA
    Working with Rick and his team was a breeze. He got me a great rate with an effortless refinance process.
    Todd H. Laguna Beach, CA 
    I have had the privilege of working with Rick Cirelli and his talented team 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 properties.
    Nicole A. Laguna Beach, CA 
    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.
    Casey S. Ladera Ranch, CA
    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 in happen. 
    Kelly & Michelle B. Laguna Beach, CA
    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. 
    Michael M.  Los Angeles, CA
    Rick has done an extraordinary job on my mortgage for this purchase. Very resourceful and terrific service. Highly recommended. 
    Judy U.  Laguna Beach, CA 
    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. 
    Mark & Teresa R.  Redondo Beach, CA
    We appreciate the work and support you provided during our purchase process and we will definitely provide recommendations to anyone we know who is in the market! 
    Eric & Vaughan S. Laguna Beach, CA
    You guys did a great job--delivered what you said in the time required, which was FAST in this market! Thank you.
    Scott T. Laguna Beach, CA
    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.
    Bruce & Kim F. San Francisco, CA
    The level of service is/was outstanding! Thank you very much for your patience and expertise in guiding us through this process! 
    Leonardo & Suzanne L.  Huntington Beach, CA
    We keep coming back because you are wonderful to work with, honest and answer all our questions in terms we can understand. Thank you for all your help in getting us through the process to closing. We greatly appreciate it!
    Kathleen H.  El Segundo, CA
    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 and patience while I fixed it. You are a pleasure to work with.
    David & Caroline D.  Laguna Niguel, CA
    Thanks, Rick, incredible service! My hat is off to you 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. 
    Candace P. Mission Viejo, CA
    Thanks for the amazing work you do. You are incredible and so professional. Appreciate it so much. Happy to refer you to anyone! 
    Gasper P & Mellisa A.  Aliso Viejo, CA
    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.
     Jeff R. Laguna Beach, CA 
     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.
    Bob & Marge E. Laguna Beach, CA
     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+
    James S. Laguna Beach, CA 
    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 home.
    James & Marti K. Laguna Niguel, CA
    Marti and I wanted to thank you 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.
    Robert G.  Santa Ana, CA
    I want to thank you for all your help. That was the smoothest refi I have ever done.
    Holly & Steve A.  Laguna Niguel, CA
    Thank you for your persistent hard work!  I would without hesitation recommend your service to anyone.
    Dr. Thuy N. Irvine, CA
    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.
    Greg & Danielle W.  Topanga, CA
    This is our 5th house purchase - you are the best! Seriously, you guys are the best we have every used!