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.
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, and sub-580 FICO programs.
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 MoreCommercial
Commercial, SBA, mixed-use, and multi-family (5+ units). Office, retail, industrial, and investment property financing.
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.
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