Smart Mortgage Solutions for California Homebuyers

Purchase and refinance loans designed to help you move forward with confidence.

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NMLS #02239255 | CA Licensed Mortgage Broker

CALIFORNIA MORTGAGE EXPERTISE YOU CAN TRUST

Impact Mortgage, Inc. is a California mortgage brokerage dedicated to helping borrowers secure competitive, reliable financing for home purchases and refinances. We guide clients through the lending process with clarity, personalized attention, and expert knowledge of today’s lending landscape.

Whether you’re a first-time buyer, seasoned investor, or homeowner exploring refinance options, our goal is to make mortgage financing simple, transparent, and accessible, so you can move forward with confidence.

Mortgage Solutions for California Homebuyers

  • Close-up of two hands holding a keyring with a single key.

    Home Purchase Loans

    We help you understand your options, prepare strong applications, and move forward with confidence, from pre-approval to closing.

  • Two women hanging picture frames on a gray wall in a well-lit room.

    Refinance Loans

    Whether you’re lowering your rate, consolidating debt, or accessing home equity, we’ll help you evaluate if refinancing makes sense for you.

  • First time home buyers happy and smiling

    First-Time Buyer Guidance

    Buying your first home doesn’t have to feel overwhelming. We walk you through every step, explain terminology clearly, and help you feel confident in your decisions.

  • Home financing discussion at a table.

    Strategic Loan Guidance

    Every borrower’s situation is different. We take time to understand your needs and recommend loan solutions designed to support both short-term affordability and long-term stability.

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How We Work

Clear guidance. No pressure. Just informed decisions.

  • We begin by listening. Every borrower’s financial situation and goals are different, and understanding your priorities helps us recommend the right options.

  • Once you’re comfortable with a direction, we stay engaged and responsive, guiding you through each step of the process with clarity and support through closing.

  • Once you’re comfortable with a direction, we guide you through the next steps with transparency and responsiveness through closing.

Schedule a Consultation

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Randy Munmon California Mortgage Broker

MEET RANDY MUNMON

Randy Munmon is a California-licensed mortgage professional with Impact Mortgage, Inc., dedicated to helping borrowers navigate home financing with clarity and confidence. With over fifteen years of experience in the real estate and housing industry, he brings a deep understanding of how lending decisions impact long-term financial stability.

Born and raised in the Bay Area, Randy is passionate about serving his local community through transparent guidance and personalized mortgage solutions. He works closely with clients to understand their goals, explain available options clearly, and support informed decision-making throughout the lending process.

Whether assisting first-time buyers, experienced homeowners, or those exploring refinance opportunities, Randy’s approach is grounded in education, responsiveness, and trust.

When he’s not working with clients, Randy enjoys spending time with family and friends, coaching youth football, and staying active in his church and community.

CONTACT RANDY

Have questions? Let’s talk through your options.

Ready to Get Started?

Begin your application or reach out to discuss your loan options with confidence.

Contact Randy

(415) 845-1160 | Randy@ImpactMortgageInc.com

  • Homeownership is more than a transaction, it’s a step toward stability, legacy, and opportunity.

  • Access to clear, honest lending information helps families make decisions that last for generations.

  • Everyone deserves guidance that respects their goals, their questions, and their future.

  • Financial clarity builds confidence. Confidence builds stronger communities.