Clear to close in as few as 14 days.
Most lenders take 45 days and go quiet in between. We close in 14 to 21, and you'll always know exactly where your loan stands.
By the numbers.
Short-term rentals funded
Airbnbs, cabins, and vacation rentals financed for investors nationwide.
First-time buyers
Families walked from first call to first keys.
Loan programs
From conventional to DSCR to 40-year terms, across our full lender lineup.
Approval rate
Across everything we offer, nearly every qualified client finds a program that fits.
Day closings
Our target from application to keys, built to move the moment you're ready.
States served
One team serving all 50 states plus Puerto Rico.
See what you’d save in 30 seconds.
Play with the numbers. No contact info required. When you want real pricing, that's the 5-10 minute call.
Not sure what rate you'd get today? That's exactly what the 5-10 minute call answers.
Estimates for illustration only. Principal and interest shown; excludes taxes, insurance, HOA, and mortgage insurance. Not a quote, a pre-approval, or a commitment to lend. Your actual rate, payment, and program eligibility depend on your full credit profile, income, and property once we run your scenario.
Whatever you're buying, there's a loan for it.
From first homes to investment portfolios. Here are the most popular, and there are more.
Conventional Fixed Rate
One locked rate, one predictable payment, for the life of the loan.
FHA
Lower down payments and flexible credit qualifying.
VA
No down payment and exclusive benefits for those who served.
Non-QM
Bank statement and alt-doc loans for business owners and unique profiles.
Jumbo
Competitive financing above conventional loan limits.
11 programs. One conversation.
See every loan program we offer, or tell us your situation and we'll match you.
View All ProgramsHow it works.
The entire process, from your first click to your keys.
Fill out the form
Takes about a minute. No documents, no credit pull, no pressure.
We call you in 5-10 minutes
During business hours, a member of our team calls with a few quick questions to make sure we can actually help. If we're a fit, you're scheduled for a pre-approval call with your Loan Officer.
Close in 14-21 days
Your Loan Officer compares programs, issues a pre-approval sellers take seriously, and runs the file to the finish line with updates at every milestone.
Properties we've financed.
More than 900 short-term rentals and 1,000 first homes closed across all 50 states and Puerto Rico. A few recent fundings:
One cabin in Broken Bow.
Misty S. wanted a short-term rental in Broken Bow, Oklahoma, one of the busiest cabin markets in the country. The standard investment route would have asked for 20 to 25% down.
We qualified her differently: a program that let her in at 10% down, keeping roughly $60,000+ in her pocket at closing instead of tied up in the property.
Her first year of bookings grossed over $225,000.
A real RC Lending Advisors client. Individual results depend on the market, the property, pricing, and management, and are not typical or guaranteed. Rental income projections are not used to promise investment returns. Program eligibility depends on your full financial profile. Not an offer of credit or a commitment to lend.
What clients say.
From Google, Facebook, and Yelp.
"Ricardo had our back the whole way. Communication was good. 10/10 recommend!"
"We were nervous first-time buyers and they made everything simple and clear."
"Clear communication and a fast close. Really impressed!"
"Highly recommend. Honest and dependable team that really cares."
"Fast, efficient, and transparent. Couldn't ask for more."
"Rich and his team's guidance throughout the whole process was great!"
Ricardo Carrillo
Ricardo leads RC Lending Advisors as Branch Manager, backed by the lending power of Cornerstone First Mortgage and a platform that closes in all 50 states and Puerto Rico.
His rule is simple: treat every loan like it's your own money and your own family. That's why nearly all of RC Lending Advisors's business comes from referrals and repeat clients.
Questions? Answered.
Where does RC Lending Advisors operate?
Everywhere. We serve clients in all 50 states and Puerto Rico through Cornerstone First Mortgage's nationwide lending platform.
How fast can I actually close?
Our target on purchase loans is 14 to 21 days from application to keys. On your first call we'll map your exact timeline and tell you what's realistic for your situation, honestly.
What services does RC Lending Advisors provide?
Residential financing across the board: purchase loans (conventional, jumbo, FHA, VA, USDA), refinances, cash-out, renovation loans, and Non-QM programs for self-employed borrowers and investors.
How do I get started?
Fill out the short form below and a member of our team will call you within 5 to 10 minutes during business hours. After-hours submissions get the first call of the morning. We'll ask a few quick questions to see how we can help, and if we're a fit, you'll be scheduled for a pre-approval call with a Loan Officer.
Do you work with self-employed borrowers and investors?
It's one of our specialties. Bank statement loans, DSCR and other Non-QM programs exist precisely for borrowers whose income doesn't fit inside a W-2.
Will applying affect my credit score?
No. Pre-approvals start with a soft credit check, which does not affect your score. A full credit pull only happens later in the loan process, and multiple mortgage inquiries inside a short shopping window are typically scored as one.
What are the eligibility requirements?
With more than 3,000 loan programs in our lineup, eligibility is less about fitting one box and more about finding your fit. The fastest way to know your options is one short conversation.
Is my information secure?
Yes. Everything you submit goes straight into our internal portal, accessed only by our team. Your information is never passed around over email or shared with outside parties.
Can I speak to someone directly?
Yes. Every inquiry gets a real member of the team, not a bot, and the first call happens within minutes of your form coming in. You can also email teamrc@rclending.co.
See what you qualify for.
Tell us a little about your goals, and a member of our team will call you within 5 to 10 minutes during business hours to see how we can help.
- Takes less than a minute
- No documents, no credit pull to start
- No pressure, no obligation