Lumin Lending
Randy Mathis
All States

Mortgage Broker in Colorado

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

Mortgage Lending in Colorado

Colorado's housing market spans from the fast-growing Front Range corridor to mountain resort communities with some of the highest home values in the country. Several mountain counties like Eagle, Pitkin, and San Miguel carry high-cost conforming loan limits. The state's strong job market in aerospace, tech, and outdoor recreation industries continues to drive demand across all price ranges.

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 Colorado. 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 Colorado

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 conforming loan limits in Colorado?
Colorado's conforming loan limits vary significantly by county. Most counties follow the standard $806,500 baseline, but high-cost mountain counties like Eagle (Vail), Pitkin (Aspen), and San Miguel (Telluride) have limits up to $1,209,750. The Denver metro area also has elevated limits due to higher median home prices.
Can I get a HELOC in Colorado?
Yes, HELOCs (Home Equity Lines of Credit) are available in Colorado for homeowners who have built equity in their property. HELOCs allow you to borrow against your home equity as a revolving line of credit, useful for renovations, debt consolidation, or other financial goals.
Does Colorado have first-time homebuyer programs?
Yes, the Colorado Housing and Finance Authority (CHFA) offers several programs including down payment assistance grants and affordable first mortgage options. CHFA programs can be combined with FHA or conventional loans to help first-time buyers get into their homes with less money down.
Is Randy Mathis licensed to lend in Colorado?
Yes, Randy Mathis (NMLS# 1516760) is a licensed mortgage broker serving Colorado through Lumin Lending Inc. (NMLS# 2716106), which holds a Colorado Mortgage Company Registration. Whether you are buying along the Front Range, in a mountain community, or anywhere in the state, Randy has access to over 90 wholesale lenders to find you competitive terms.
Can I finance a vacation home in Colorado?
Yes, second home and vacation property financing is available in Colorado through conventional loan programs. Mountain resort areas are popular for second homes, and financing options include conventional loans with competitive rates as well as jumbo loans for higher-value properties.

Ready to Get Started in Colorado?

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 Colorado.

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