Lower Your Payment.
Tap Your Equity.Refinance Smart.

Access 160+ lenders to find the best refinance option for your situation. One application, multiple offers, your best deal.

No commitment. No impact to your credit to get started.

Last updated: April 2026

Three Ways to Refinance

Every situation is different. We help you find the right refinance strategy for your goals.

Rate & Term Refinance

Lower your monthly payment, shorten your loan term, or switch from an adjustable rate to a fixed rate. Keep more money in your pocket every month.

Cash-Out Refinance

Tap your home equity for renovations, debt consolidation, investments, or major expenses. Turn your equity into cash without selling your home.

Streamline Refinance

FHA Streamline or VA IRRRL — less paperwork, faster closing, and often no appraisal required. Designed to make refinancing as simple as possible.

When Does Refinancing Make Sense?

Your rate is 1%+ above current market rates
You want to remove PMI (private mortgage insurance)
You need cash for a major expense or investment
You want to switch from an adjustable rate to a fixed rate
You're consolidating high-interest debt into a lower payment
You want to shorten your loan term and build equity faster

Not sure if refinancing is right for you? Let's talk through your situation.

Why 160+ Lenders Matters

Banks offer ONE rate— theirs. We shop 160+ lenders to find YOUR best rate.

Same house, same credit score, dramatically different offers. That's the power of working with a broker who has access to the full market — not just one bank's pricing sheet.

Traditional Bank
1
Rate option
Take it or leave it
Mathis Mortgage
160+
Lender options
We find your best fit

How It Works

Four simple steps from application to closing.

1

Apply Online

Takes about 5 minutes. No commitment, no impact to your credit to get started.

2

We Shop 160+ Lenders

We compare rates and terms across our lender network to find your best option.

3

Lock Your Best Rate

We present your options, you choose what works. Lock in your rate with confidence.

4

Close in 21-30 Days

Smooth closing process with a dedicated team guiding you every step of the way.

See What You Qualify For

It takes about 5 minutes to apply. No obligation, and checking won't affect your credit score.

Randy Mathis NMLS# 1516760West Capital Lending NMLS# 1566096Licensed in 24 States