Mortgage Broker, Licensed in 15 States —You're in the Right Place
Looking to buy, refinance, access your equity, or explore your options? Based in Irvine, California and licensed in 15 states.
Randy Mathis
NMLS# 1516760 | DRE 02236644
Prefer to talk? Call or text (949) 990-6030
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Your Independent Wholesale Mortgage Broker
Randy Mathis
As a wholesale mortgage broker, I shop 100+ lenders to find the right 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 100+ lenders, and a team that actually picks up the phone.
View Loan Programs50+ Loan Programs. 100+ Lenders. One Call.
From conventional to creative, we find solutions where others see dead ends. New to mortgages? Start with our frequently asked questions or browse the mortgage glossary.
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, $100 Down, and Good Neighbor Next Door.
Learn MoreVA
Zero down, no PMI, 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, commercial, SBA, and mixed-use. If you were told no elsewhere, start here.
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 MoreRefinance
Lower your payment, shorten your term, or take cash out. We shop 100+ lenders to find your ideal refinance.
Learn MoreDebt Consolidation
Roll high-interest credit card balances into one simpler payment using your home's equity.
Learn MoreFirst-Time Homebuyer
0-3.5% down programs, down payment assistance, and a guide through every step of your first purchase.
Learn MoreBeen Told No? We Probably Have a Solution.
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.
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 15 states with verified reviews on Experience.com. Real clients, real results.
Licensed States
From California to Texas, wherever you own property, I can help.
Wholesale Lenders
I shop your loan across 100+ lenders to find competitive rates and terms.
Loan Products
Conventional, FHA, VA, Non-QM, HELOC, reverse, commercial, and more.
What Clients Say
“Time was spent discussing the best options for me personally. My loan was an easy process and accomplished much quicker than I expected. Great communication and friendly service.”
Melba M.
Saint Clair, MI
“Randy is a true professional. He got us into the perfect loan and saved us a bunch of money in doing so. Excellent customer service! Highly recommended.”
John S.
Yulee, FL
“This is not the first time I've worked with Randy. Each time he's very knowledgeable about the market and the products available. He understands his client's needs and provides the service needed. I recommend him wholeheartedly.”
Anita O.
Glendale, AZ
Licensed in 15 States
Randy Mathis is licensed to originate mortgages in 15 states. Find loan programs and licensing details for your state below.
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.