Randy Mathis

How I work

I've worked in mortgage since 2015 (NMLS# 1516760). I'm a broker at Lumin Lending Inc., out of our Irvine office, so I don't have one bank's rate sheet to sell you. I find the loan that fits, then show you the math so you can check it. Math is what I do.

One file came back denied. I went back through it, resubmitted it to the same lender, and it funded. Not every denial turns around, and I'll tell you when one won't. But a “no” deserves a second read before anyone gives up on it.

Who I work with

Many of my clients are homeowners refinancing or pulling equity with a HELOC or a home equity investment. Others are self-employed, and their tax returns don't show what they earn, so a bank statement or P&L loan may fit. Investors come for DSCR loans qualified on the rent, or for bridge and fix-and-flip money. And some buyers want FHA, VA, and conventional side by side before they pick.

What happens with your file

• You talk to me first. I ask what you're trying to do, not just how much you need. I look at your income, credit, and property before any lender sees the file.
• I shop it across lenders. On a refinance I price it with the costs paid, with a lender credit, and with the costs rolled in. The right one depends on how long you'll keep the loan.
• My team keeps it moving. We track documents, conditions, and the appraisal from application to funding. You won't have to chase anyone for an update.
• I tell you when it doesn't fit. If a deal doesn't make sense for you, I say so. If the property is outside the 15 states I'm licensed in, I refer you to a broker I trust and receive nothing for the referral.

Every refinance gets a break-even number. That's how many months of savings it takes to pay back what the new loan costs. If you won't keep the home that long, I'll tell you.

Most mortgage mistakes happen because nobody explained the trade-off. I'd rather you understand what you're signing than close fast on something you don't.