Mortgage Broker in Arizona

Licensed to originate mortgages in Arizona (AZ) through Lumin Lending Inc. Purchase, refinance, and investment property loans with access to over 90 lenders.

Last updated: April 2026

Key Facts

Randy Mathis is a licensed mortgage broker serving Arizona through Lumin Lending Inc. (NMLS# 1516760). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The conforming loan limit in Arizona is $806,500 for 2026.

Mortgage Lending in Arizona

Arizona's housing market has experienced significant growth, driven by population influx from higher-cost states like California. The Phoenix metro area and Tucson offer diverse options from entry-level homes to luxury properties. Arizona has no transfer tax on real estate sales, and the state's strong job market in tech and healthcare continues to fuel housing demand.

With access to over 90 lenders through Lumin Lending Inc., I can shop your loan across multiple investors to find the right rate and terms for your specific situation in Arizona. Whether you are a first-time homebuyer, looking to refinance, or building an investment portfolio, I have programs designed to fit your needs.

Available Loan Programs in Arizona

Conventional

Traditional financing with as little as 3% down. Competitive rates for purchase and refinance.

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FHA

Government-backed loans with 3.5% down and flexible credit requirements for first-time buyers.

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VA

Zero down payment and no PMI for eligible veterans, active-duty, and qualifying spouses.

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Non-QM / DSCR

Bank statement, DSCR, asset depletion, and other flexible programs for self-employed and investors.

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HELOC / HELoan

Access your home equity with a line of credit or fixed-rate home equity loan.

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments for homeowners 62 and older.

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Commercial

Financing for commercial properties, mixed-use buildings, and business real estate needs.

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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.

HELOC: Timing may vary based on borrower qualifications and loan conditions. Appraisal may be required in certain circumstances. Subject to credit approval. Your home is used as collateral and may be at risk if you do not repay. APR, terms, and repayment structure vary by product.

Helpful Resources

First-Time Homebuyer Guide 2026

Everything you need to know about buying your first home, from pre-approval to closing day.

Should You Refinance in 2026?

How to decide if refinancing makes sense for your situation, with break-even analysis.

DSCR Loans Explained

How real estate investors qualify based on rental income instead of personal tax returns.

5-Day Digital HELOC Guide

Access your home equity in as few as 5 days with our digital HELOC process.

Credit Score Myths for Homebuyers

The 5 biggest credit score myths that stop people from pursuing homeownership.

Frequently Asked Questions

Answers to common mortgage questions about loan programs, credit, and the application process.

Frequently Asked Questions

What are the conforming loan limits in Arizona?

Most Arizona counties follow the standard conforming loan limit of $806,500 for 2026. Some counties in the Phoenix metro area may have slightly higher limits. Loans above this threshold are considered jumbo loans and have different qualification requirements.

Can I get an FHA loan in Arizona?

Yes, FHA loans are widely available in Arizona and are a popular choice for first-time homebuyers. FHA loans require as little as 3.5% down with a credit score of 580 or higher, and they allow for seller concessions to help cover closing costs.

Does Arizona have first-time homebuyer programs?

Yes, the Arizona Industrial Development Authority (AzIDA) and the Arizona Housing Finance Authority offer down payment assistance programs. These include grants and second mortgages that can cover up to 5% of the purchase price for qualifying buyers.

Is Randy Mathis licensed to lend in Arizona?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Arizona through Lumin Lending Inc. (NMLS# 2716106), which holds an Arizona Mortgage Banker License. Whether you are buying in Phoenix, Scottsdale, Tucson, or anywhere in the state, Randy can help you find the right loan program from over 90 wholesale lenders.

Can I use a VA loan to buy a home in Arizona?

Yes, VA loans are available in Arizona for eligible veterans, active-duty service members, and qualifying spouses. With no down payment required and no PMI, VA loans are one of the strongest financing options available. Arizona's large military presence makes VA lending especially common here.

Ready to Get Started in Arizona?

Let me find you a competitive mortgage rate from our network of 90+ lenders. Apply online or schedule a call to discuss your options in Arizona.

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Randy Mathis NMLS# 1516760 | Lumin Lending Inc. NMLS# 2716106 | NMLS Consumer Access