You are in theright place
Looking to buy, refinance, access your equity, or explore your options?
Randy Mathis
NMLS# 1516760 | DRE 02236644
Your Independent Wholesale Mortgage Broker
Randy Mathis
As a wholesale mortgage broker, I shop 160+ lenders to find the best rate and program for your deal - not just the ones a bank wants to sell you.
About Randy50+ Loan Programs, One Broker
Refi, purchase, investment property, HELOC, DSCR, bank statement, hard money - if it involves financing a property, I've done it.
We Close Loans Others Can't
In-house processing, aggressive pricing across 160+ lenders, and a team that actually picks up the phone.
View Loan Programs50+ Loan Programs. 160+ Lenders. One Call.
From conventional to creative, we find solutions where others see dead ends. New to mortgages? Start with our frequently asked questions or browse the mortgage glossary.
Conventional
Competitive rates, jumbo, HomeReady, HomePossible, DPA, and renovation options. Down payments as low as 3%.
Learn MoreFHA
3.5% down, scores as low as 500, DPA programs, 203(K) renovation, $100 Down, and Good Neighbor Next Door.
Learn MoreVA
Zero down, no PMI, VA renovation loans, sub-580 FICO options, and VA IRRRL streamline refinance for veterans.
Learn MoreNon-QM / Investor Loans
DSCR, bank statement, 1099, hard money, bridge, foreign national, ITIN, commercial, SBA, and mixed-use. If you were told no elsewhere, start here.
Learn MoreHELOC / HELoan
HELOC, home equity loans, and 3rd lien options. 5-Day Digital HELOC - 100% online, funding in as few as 5 business days.
Learn MoreReverse Mortgage
Convert your home equity into tax-free income. Designed for homeowners 62 and older.
Learn MoreBeen Told No? We Probably Have a Solution.
5-Day Digital HELOC
Access your home equity in as few as 5 business days. 100% online process - no appraisal in most cases, up to $750K. Keep your existing low mortgage rate.
- Fund in as few as 5 days
- No appraisal (most cases)
- Up to $750K
- No out-of-pocket costs
Trusted by Homeowners & Investors Nationwide
Licensed in 24 states with verified reviews on Experience.com. Real clients, real results.
Licensed States
From California to Florida, wherever you own property, I can help.
Wholesale Lenders
I shop your loan across 160+ lenders to find the best rate and terms.
Loan Products
Conventional, FHA, VA, Non-QM, HELOC, reverse, commercial, and more.
What Clients Say
“Randy found us a loan program after two other brokers told us it couldn't be done. He explained every step of the process and we closed three days ahead of schedule.”
Michael T.
“I refinanced with Randy and the communication was outstanding from start to finish. He answered every question I had, even on weekends, and made sure I understood my options before moving forward.”
Sarah K.
“As a self-employed borrower, I had a hard time qualifying anywhere else. Randy knew exactly which lenders to go to and got my loan approved in under two weeks.”
David R.
Get Started Today
Not ready to apply? Schedule a consultation with Randy to speak through your scenario. The sooner you make a plan, the clearer your next steps will be.
Reach Out!
Phone
(949) 705-4321Hours
Mon-Fri 8AM-5PM PST
Sat-Sun By Appointment