RC Advantage | Refinance Or Apply For A Mortgage Today!

Welcome to RC Advantage

In a 6 figure loan transaction, the loan process is a much more difficult process than it was 10 years ago. A major reason why is because in most transactions, the vast majority of processors do not work on site with the loan agent, but many times are both miles and states away. This can delay the loan process and cause communication problems between underwriting and the loan agent.

At RC Advantage, all of our loans are processed on site where your loan agent works which guarantees a great experience.

In addition to offering very low fixed rates and working with local owners/originators in the lending business with 50 years of experience, you will work with ONE office, where both the loan agent and processor works together, side by side, assembling the loan together, in turn submitting it to underwriting. This experience is rare and unique which sets us apart from the industry and we look forward to providing this experience for you.

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We love our clients, our clients love us too!

"My husband and I worked with several lenders in a 2 year span and no one heard us until we worked with Ralph. He met our needs right away and walked us through the process to buying our first home. We had the pleasure of working with Andi as well who made the process easy. They were so comforting and knowledgeable. I highly recommend their services."

Morgan Welty

"RC Advantage handled my second Re-Fi in a year. The first company took 7 months to complete the. transaction handing my account off to several different processors with many delays due to errors. RC Advantage lowered my mortgage rate and completed the loan process in about 6 weeks. They were extremely professional and thorough. I highly recommend them."

Linda Lyon

I bought my first home with the help of RC Advantage! Andi and Ralph were patient and thorough in walking me through the details the entire process. I'm so thankful I had them as a partner navigating my first time homebuyer process. I would highly recommend their services.

Sada Kernodle

"Ralph and Andi did an amazing job helping us get a loan for our home purchase. They truly went above and beyond to help us! Couldn’t have done it without them."

Josie Spainhour

"Ralph and Andi are a great team. They are trustworthy, professional, and efficient. You will be glad to have them on your side!"

Lacy Cannon

"Ralph and Andi went above and beyond the call of duty to help us do a refinance on our home in grass valley. Great customer service and behind the scenes efforts to make everything work out in our favor. I highly recommend rc advantage of grass valley."

Frank McCarthy

"RC Advantage GREATLY helped us to navigate through the crazy world of real estate and home buying!
They ABSOLUTELY went ABOVE and BEYOND to help us get into our home! We LITERALLY could not have done it without them!
If you're looking for FANTASTIC and KNOWLEDGEABLE service look no further!!!
SOOOOO HAPPY WITH RC ADVANTAGE!!!!"

Lee Walsh

"I recently worked with Ralph and Andi, and they are the best. They got me the best rate possible, explained everything to me in plain English, and answered all my questions promptly. They guided me through the whole process, and it couldn't have been any smoother. Great team here. Give them a call if you're looking for a Lender."

Corey Peters

"I procured both a business property loan and a private residence refinance. Ralph and Andi were awesome! Handled any problems I presented quickly and efficiently. They really made it easy! I highly recommend them!"

Dave Walters

"Ralph is absolutely and undeniably the BEST in the mortgage broker business. He works extremely hard for his clients. I have my own business so I’m a much higher risk for a bank to give me a home loan. Ralph didn’t quit until we got my deal done. Don’t even bother contacting the other brokers. I already had contacted 3 other brokers/banks and all kept turning me down. I know I’m not the perfect first time home buyer but who is? Ralph will get it done for you. He’s an absolute genius with this stuff. He’ll help you realize the dream of home ownership and I’m so incredibly thankful for all he did to help me in this endeavor."

Alexia LCA

Start your home loan process here!

The RC Advantage team is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.