RC Lending – Expert Real Estate Financing Solutions

Build More Than Property.
Build Legacy.

From flexible lending to expert guidance, we’re here to help you fund your future with confidence.

Fueling Dreams, One Loan at a Time

Flexible financing solutions tailored to empower your goals—from residential projects to community developments.

Cash-Out Refinance Loan

Unlock Your Home’s Equity: Cash-Out Refinance for Home Improvements, Debt Consolidation, and More

Refinance Loan

Optimize Your Mortgage: Refinance to lower your interest rate, Shorten Term, or Consolidate Debt

Fixed Rate Mortgage

Lock in Your Rate: Fixed Rate Mortgages for Predictable Payments and Financial Security

Refinance Loan

Optimize Your Mortgage: Refinance to lower your interest rate, Shorten Term, or Consolidate Debt

Adjustable Rate Mortgage (ARM)

Unlock Initial Savings: Adjustable Rate Mortgages (ARMs) with Lower Introductory Rates

FHA Loan

First-Time Homebuyer Friendly: FHA Loans with Low Down Payment and Flexible Qualifications

VA Loan

Honoring Your Service: VA Loans with No Down Payment and Exclusive Benefits for Veterans

USDA Loan

Rural Homeownership Made Affordable: USDA Loans with No Down Payment and Reduced Costs

Rehabilitation (Rehab) Loan

Transform a Diamond in the Rough: Rehab Loans for Purchasing and Renovating Your Future Home

Jumbo Loan

Financing Your Dream Estate: Jumbo Loans for High-Value Properties with Competitive Rates

Non-Qualified Mortgage (Non-QM) Loan

Beyond Traditional Lending: Non-QM Mortgages for Unique Borrower Situations and Financial Profiles

Down Payment Assistance (DPA) Loan

Unlock Homeownership: Down Payment Assistance is Available to Make Your Dream a Reality!

Cash-Out Refinance Loan

Unlock Your Home’s Equity: Cash-Out Refinance for Home Improvements, Debt Consolidation, and More

Tired of Confusing Mortgage Processes and Last-Minute Surprises?

At RC Lending, we know that securing a home loan can feel overwhelming — especially when you’re juggling multiple offers, timelines, and lenders who speak in code.

What Our Clients Are Saying

Real reviews from real people—hear directly from those we’ve helped secure their financial future.

Julia K.

5.0

Yelp

Super helpful, very responsive, and genuinely cared about our needs.

Tanya N.

5.0

Facebook

Highly recommend. Honest and dependable team that really cares.

Elena M.

5.0

Google

The team was professional and friendly. I felt confident from start to finish.

Johnathon R. C.

5.0

Facebook

Michael Ieraci's VA loan knowledge made all the difference.

Tiffani

5.0

Google

Ricardo had our back the whole way. Communication was good. 10/10 recommend!

Susan R.

5.0

Facebook

Ricardo and his staff went above and beyond to help us. Highly recommend!

Marcus L.

5.0

Google

I felt like a priority at every step. Thank you for making the process smooth.

Mohammed K.

5.0

Facebook

Friendly, prompt, and detail-oriented. Would use them again.

Jessica F.

5.0

Yelp

Their patience and dedication stood out. Great experience!

Kevin T.

5.0

Facebook

Fast, efficient, and transparent. Couldn't ask for more.

Brian Z.

5.0

Yelp

Five stars isn't enough — these folks are amazing!

Natalie W.

5.0

Google

We were nervous first-time buyers and they made everything simple and clear.

Austin S.

5.0

Yelp

Rich and his team's guidance throughout the whole process was great!

Luis A.

5.0

Google

Everything was explained clearly. Smooth and stress-free process!

David P.

5.0

Yelp

Clear communication and a fast close — really impressed!

Meet the People Behind the Progress

Our expert team is here to guide, support, and partner with you every step of the way.

Ricardo Carrillo

Branch Manager

Randall Le Blanc

Branch Production Manager

Pre Approval Specialist

Danielle Pacheco

Head of Operations

Brandenn Pedregon

Client Success Coordinator

Moises Rosales

Branch Creative Strategist

See What We’ve Helped Build

Explore our portfolio of successfully funded properties and the communities they support.

Hocking Hills Retreat

Shenandoah Mansion

The Baraboo Hideaway

The Deer Den

The Pepper Place

The Timberline Lodge

Frequently Asked Questions

What services does RC Lending provide? +

RC Lending specializes in personal loans, business loans, and real estate-backed financing. We offer fast approvals, flexible terms, and personalized support.

How do I apply for a loan with RC Lending? +

You can apply by filling out our secure online application or contacting our team directly. We’ll guide you through each step of the process.

What are the eligibility requirements? +

While requirements vary, you typically need a valid ID, proof of income or collateral, and a completed application. Our team will help clarify everything you need.

How long does the approval process take? +

Most applications are reviewed within 24–48 hours, and funding may be available the same week.

Do you offer loans to businesses? +

Yes! We provide funding for startups, small businesses, and established companies — whether for working capital, growth, or other needs.

Will applying affect my credit score? +

We start with a soft credit check, which doesn’t impact your score. A hard inquiry may be done later if you move forward with the loan.

Is my information secure? +

Yes — we use industry-standard encryption and data protection practices to keep your personal and financial data safe.

Where is RC Lending based? +

We’re based in Southern California and serve clients across the United States.

Can I speak to someone directly? +

Absolutely! Reach out via phone, email, or our website’s contact form — we’re happy to help.