West Capital Lending
Randy Mathis
All States

Mortgage Broker in Colorado

Licensed to originate mortgages in Colorado (CO) through West Capital Lending. Purchase, refinance, and investment property loans with access to over 160 lenders.

Last updated: April 2026

Key Facts

Randy Mathis is a licensed mortgage broker serving Colorado through West Capital Lending (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 160 lenders through West Capital Lending, I can shop your loan across multiple investors to find the best rate and terms available 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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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 West Capital Lending. Whether you are buying along the Front Range, in a mountain community, or anywhere in the state, Randy has access to over 160 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 the best mortgage rate from our network of 160+ lenders. Apply online or schedule a call to discuss your options in Colorado.

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Randy Mathis NMLS# 1516760 | West Capital Lending NMLS# 1566096 | NMLS Consumer Access