Lower Your Payment.
Tap Your Equity.Refinance Smart.
Access 90+ lenders to find the right refinance option for your situation. One application, multiple offers, your ideal 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. Not sure which path is right? Read our refinance decision guide for a breakdown of when each option makes sense.
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?
Not sure if refinancing is right for you? Let's talk through your situation.
Why 90+ Lenders Matters
Banks offer ONE rate— theirs. We shop 90+ lenders to find YOUR ideal 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. Most of our refinance clients go with a conventional refinance, but if you just need equity access, a HELOC may be a faster, lower-cost alternative.
How It Works
Four simple steps from application to closing.
Apply Online
Takes about 5 minutes. No commitment, no impact to your credit to get started.
We Shop 90+ Lenders
We compare rates and terms across our lender network to find your ideal option.
Lock Your Rate
We present your options, you choose what works. Lock in your rate with confidence.
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.
Get Started Today
Wondering if a refinance makes sense for you? Send me a message and I will review your situation personally.
Licensing:Randy Mathis · NMLS# 1516760 · DRE 02236644. Lumin Lending Inc. · NMLS# 2716106 · DRE# 02991443. Licensed in 15 states. Verify licensure at NMLS Consumer Access.
Equal Housing Lender. Lumin Lending Inc. does not discriminate based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good-faith exercise of rights under the Consumer Credit Protection Act.
Refinance disclosure: Refinancing replaces your existing mortgage with a new loan. Savings depend on your current rate, loan balance, remaining term, closing costs, and how long you stay in the home. A lower monthly payment can result in a longer overall repayment period and more total interest paid. This page is not an offer to lend or a commitment to lend. Rates, APR, and terms vary based on credit, loan-to-value, property type, and program.
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.