Lumin Lending
Randy Mathis
All States

Mortgage Broker in California

Licensed to originate mortgages in California (CA) 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 California 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 California is Varies by county, up to $1,209,750 in high-cost areas for 2026.

Mortgage Lending in California

California's real estate market is one of the most diverse and competitive in the nation, with home prices ranging dramatically by region. Many counties are designated high-cost areas with conforming loan limits well above the national baseline. From the Bay Area and Los Angeles to the Central Valley and Inland Empire, each market has unique dynamics that require tailored lending strategies.

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 California. 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 California

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.

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Should You Refinance in 2026?

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

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DSCR Loans Explained

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

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5-Day Digital HELOC Guide

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

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Credit Score Myths for Homebuyers

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

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Frequently Asked Questions

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

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Frequently Asked Questions

What are the high-cost area loan limits in California?
California has numerous high-cost counties where conforming loan limits exceed the national baseline of $806,500. In 2026, the highest-cost counties like Los Angeles, San Francisco, Orange, and San Diego have limits up to $1,209,750 for single-family homes. These higher limits mean more buyers can qualify for conventional financing instead of jumbo loans.
Can I get a Non-QM loan in California?
Yes, Non-QM loans are widely available in California and are especially popular among self-employed borrowers, business owners, and real estate investors. Options include bank statement loans, DSCR loans, asset depletion loans, and interest-only programs that provide flexible qualification outside of traditional guidelines.
Does California have first-time homebuyer programs?
Yes, the California Housing Finance Agency (CalHFA) offers several programs including the MyHome Assistance Program for down payment and closing cost help, and the CalHFA Dream For All shared appreciation program. These can be combined with FHA or conventional loans.
Is Randy Mathis licensed to lend in California?
Yes, Randy Mathis (NMLS# 1516760, DRE# 02236644) is based in Southern California and licensed through Lumin Lending Inc. (NMLS# 2716106, DRE# 02991443), which holds a California Real Estate Corporation License with MLO Endorsement. With deep knowledge of California's diverse markets and access to over 90 wholesale lenders, Randy specializes in finding the right loan for every situation.
What is a jumbo loan and do I need one in California?
A jumbo loan is any mortgage that exceeds the conforming loan limit for your county. In California's high-cost areas, the conforming limit goes up to $1,209,750, but many homes still exceed this threshold. Jumbo loans typically require higher credit scores and larger down payments but offer competitive rates for well-qualified borrowers.

Ready to Get Started in California?

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 California.

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