RC Global

RC Global, operating as RC Global Financial, is a mortgage brokerage based in San Diego, California. According to official records, the company was established on 22 May 2019 and is registered at 3949 Clairemont Dr Ste 15, San Diego, CA 92117. The firm focuses on residential and commercial loan services, including purchase loans, refinancing, FHA and VA loans, and reverse mortgages.

RC Global operates without a known regulatory licence from any financial authority. It does not hold registration with the SEC, FINRA, or any state banking regulator for depository activities. This unregulated status is a significant factor for prospective clients, as it means the firm is not subject to the same oversight as licensed banks or credit unions.

The broker’s website lists a full suite of mortgage products: conventional fixed-rate loans, adjustable-rate mortgages (ARMs), jumbo loans, FHA loans with low down payments, VA loans for veterans, and home equity lines of credit. It also promotes FHA/VA streamline refinancing, which allows borrowers to lower monthly payments with minimal documentation.

In addition to standard home loans, RC Global claims to work with a network of over 100 lenders, including both prime and 'hardship' lenders. This suggests it may serve borrowers with less-than-perfect credit, though no specific underwriting criteria are disclosed on the site.

The firm’s staff page introduces four licensed mortgage professionals: Robert Cenzer (broker), Jeff Sinfield, Jeffrey Wolter, and Gladys Esponda. Each holds a California Bureau of Real Estate (CalBRE) licence number and a Nationwide Mortgage Licensing System (NMLS) ID. While individual licences are listed, RC Global as a company does not appear to be registered with the NMLS or any federal agency.

This distinction matters: individual loan officers may be licensed, but the brokerage itself operates outside typical regulatory frameworks. Clients should verify the current status of any licence through the NMLS Consumer Access portal.

RC Global Financial maintains a simple website at 877rcglobal.com, with pages for loan types, an about-us section, staff bios, and a glossary. The site includes a contact form and phone number (877-724-5622). The company is active on social media platforms such as Facebook and LinkedIn, and has a Yelp business page.

Email contact is provided (rcenzer@877rcglobal.com), and online loan applications are accepted through a third-party secure portal. There is no mention of a physical branch network, suggesting the business operates primarily through remote channels.

Based on the product range, RC Global appears to target individual homebuyers, including first-time buyers, veterans, seniors (via reverse mortgages), and real estate investors. The emphasis on FHA loans and streamline refinancing suggests a focus on borrowers seeking low-down-payment options or rate reduction.

The firm also markets to those with non-standard income documentation, as it mentions 'no documents' and 'full documents' underwriting. This flexibility may appeal to self-employed individuals or those with complex financial profiles.

As an unregulated mortgage broker, RC Global is not subject to the same consumer protection rules as federally regulated lenders. There is no deposit insurance scheme or mandatory disclosure of fees and rates. Prospective clients should approach with caution and independently verify the company’s standing with the California Department of Financial Protection and Innovation (DFPI).

The lack of regulatory oversight also means that recourse in case of disputes may be limited. FXCanary recommends that clients obtain all terms in writing, verify individual licence numbers, and consider consulting a housing counsellor before committing to any loan product.