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 represents numerous lenders throughout the United States that offer the best possible rates, terms, products and customer service. We combine our professional expertise with direct access to hundreds of loan products to obtain financing tailored to our client's specific goals.
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 represents numerous lenders throughout the United States that offer the best possible rates, terms, products and customer service. We combine our professional expertise with direct access to hundreds of loan products to obtain financing tailored to our client's specific goals.
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.
We provide more than just mortgage funding-RTC Mortgage provides financial peace of mind.
Do you have a question?
We can help.
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.
We provide more than just mortgage funding-RTC Mortgage provides financial peace of mind.
Do you have a question?
We can help.
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.
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 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.
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?
We can help.
We guarantee your privacy.
By checking the box, you agree that RTC Mortgage Corporation may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
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?
We can help.
We guarantee your privacy.
By checking the box, you agree that RTC Mortgage Corporation may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
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.
These rates apply to loan amounts of $424,100 or less.
Loans sold to these agencies by lenders account for nearly 90% of all mortgage financing in the U.S. today.
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.
These rates apply to loan amounts of $424,100 or less.
Loans sold to these agencies by lenders account for nearly 90% of all mortgage financing in the U.S. today.
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%.
Mortgage Insurance is less expensive if down payment <20% and not required at all if >20%.
Investment properties allowed.
Do you have a question?
We can help.
We guarantee your privacy.
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%.
Mortgage Insurance is less expensive if down payment <20% and not required at all if >20%.
Investment properties allowed.
Do you have a question?
We can help.
We guarantee your privacy.
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