Let's find the loan that fits.Mortgages, HELOCs, and investor loans.
I'm a mortgage broker in Irvine, California, licensed to help in 15 states.
Find your options
Step 1 of 9
A few quick questions so I can find the right options for you. No hard credit check to start. A credit pull comes later, with your OK.
What are you looking to do?
Pick the closest fit. We can always adjust when we talk.
You'll work with me and my team directly.
Randy Mathis, Executive Branch Manager, NMLS #1516760
Prefer to talk? (949) 990-6030
Randy Mathis
Executive Branch Manager, Lumin Lending Inc.
NMLS# 1516760 | DRE 02236644
Mortgage broker since 2015, based in Irvine. I shop your loan across 100+ lenders, and you work with me and my team directly. Tell me what you are trying to do and I will tell you what fits, what it takes, and what the next step is.
About RandyWhy use a mortgage broker
Access to 100+ lenders
Through Lumin Lending I shop your loan with wholesale lenders. A bank can only sell you its own programs.
One application, many programs compared
Apply once. I put your purchase, refinance, HELOC, DSCR, bank statement, or hard money options side by side.
View Loan ProgramsMe and my team, directly
No call center. You talk to me and my in-house team until closing.
About RandyHELOC / HELOAN
Tap your equity and keep your current mortgage.
Learn MoreCash out
Replace your mortgage and take cash out.
Learn MoreReduce rate / term
Refinance for a better rate or a shorter payoff, no cash out.
Learn MoreConventional
Standard financing for a primary, second home, or investment property.
Learn MoreVA
For veterans and active-duty service members.
Learn MoreFHA
Government-backed, with flexible credit guidelines.
Learn MoreNon-QM
Flexible qualifying: P&L, bank statements, assets, or 1099s.
Learn MoreDSCR / Investor loans
Rentals and investment properties, qualified on the property.
Learn MoreReverse
Age 55 and up on select programs in select states; no monthly mortgage payment, but you still pay taxes, insurance, and upkeep.
Learn MoreHEA / HEI
Access equity with no monthly payments and no new loan.
Learn MoreHard money
Fast, asset-based funding for bridge, flip, or time-sensitive deals.
Learn MoreCommercial
Multifamily, mixed-use, and commercial property, reviewed case by case.
Learn MoreNew to mortgages? Try the frequently asked questions or the mortgage glossary.
Been Told No? Let's Look at Other Options.
Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.
5-Day Digital HELOC
Funding in as few as 5 business days after you accept your offer, on select digital programs for qualifying borrowers.
Reviews You Can Check
Three recent reviews from Experience.com. Read all 78 there.
What My Clients Say
“Time was spent discussing the best options for me personally. My loan was an easy process and accomplished much quicker than I expected. Great communication and friendly service.”
Melba M.
Saint Clair, MI
“Randy is a true professional. He got us into the perfect loan and saved us a bunch of money in doing so. Excellent customer service! Highly recommended.”
John S.
Yulee, FL
“This is not the first time I've worked with Randy. Each time he's very knowledgeable about the market and the products available. He understands his client's needs and provides the service needed. I recommend him wholeheartedly.”
Anita O.
Glendale, AZ
Reviews reflect individual clients' experiences; your results may differ.
Ready when you are
Or call or text (949) 990-6030