Loan Programs
I shop 50+ loan products across 100+ lenders to find the one that fits you.
HELOC / 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 MoreRates 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.
Not sure which program fits?
Answer a few quick questions and I'll point you to the right one.
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
