rwagner@houseloan.com
818-483-4899
Randy Wagner
Buying a home or exploring a refinance? Connect with Randy to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Randy
To Randy, buying a home is never just a transaction. It’s the start of a lifetime of memories. For more than 30 years, clients have trusted him to help them get there, and he loves celebrating closing day alongside them.
Randy works closely with clients to match them with the right loan for their needs, from conventional, FHA, VA, and USDA to jumbo financing for high-value homes. He walks them through their options and stays ahead of the details so nothing slows down the process. Randy’s commitment to his clients has consistently earned him top 10 percent recognition at his previous companies throughout his career.
Randy grew up in the San Fernando Valley and studied philosophy and mathematics at Cal State Northridge. He’s called Calabasas home since 2003. Married and a proud dad to three grown children, he's happiest spending time with his family and taking his dog on new adventures. You'll also find him on the pickleball court or cheering on his beloved Dodgers.
What clients say about Randy
He is very friendly, fast, and smart. Everything was being taken care of by Randy and his team. I enjoyed working with Randy.
I cannot say enough great things about Randy and his team. From the very beginning through closing, they were absolutely outstanding. Our loan was not necessarily the simplest transaction, but Randy and his team never missed a beat. They were incredibly knowledgeable, responsive, patient, and persistent throughout the entire process. Whenever there was an obstacle, they immediately went to work finding a solution and kept everything moving forward. What really stood out to me was the level of personal attention. I never felt like I was just another loan in the pipeline. Randy genuinely cared about getting this done for us, and his entire team shared that same commitment. Communication was excellent, questions were answered quickly, and I always knew where things stood. I've dealt with many professionals over the years, and Randy and his team are truly among the best. They went above and beyond what I expected and made what could have been a very stressful process much easier. If you're looking for a mortgage broker who will work hard for you, communicate with you, and stay with you until the job is finished, I would recommend Randy and his team without hesitation. Absolutely a five-star experience. I would use Randy again in a heartbeat.
Randy and his team were communicative all throughout the lending process. We knew exactly what was going on, what was needed, and next steps. A very professional team!
Randy and his team were awesome from start to finish!! It was a seamless, well organized and highly coordinated experience that was super professional.We loved Randy’s “Thursday Communication” update video messages to keep us aware of progress along the way.
Randy was very attentive! He problem solved and made us feel protected! We are happy!
Randy and his team were dedicated, responsive, positive, and personally committed to finding and closing the right loan for us. They were a pleasure to work with. I highly recommend them.
Randy and his team were professional, responsive, and helped us with creative solutions when we ran into any problems. Highly recommend!
Let’s connect
Contact Randy
Share a little about your plans and how to reach you.
Office locations
Office A
Santa Barbara, CA 93101
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Randy today.
