Mortgage Broker in Colorado

I'm licensed to originate mortgages in Colorado (CO) through Lumin Lending Inc., and I shop 100+ lenders on purchase, refinance, and investment loans.

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Last updated: October 2026

Key Facts

Randy Mathis (NMLS# 1516760) is a licensed mortgage broker serving Colorado through Lumin Lending Inc. (NMLS# 2716106). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The 2026 conforming loan limit in Colorado varies by county (up to $1,249,125).

Mortgage Lending in Colorado

Colorado runs from the fast-growing Front Range to mountain towns with some of the highest home values in the country. Mountain counties like Eagle, Pitkin, and San Miguel carry high-cost conforming loan limits. Aerospace, tech, and outdoor recreation jobs keep demand up at every price point.

I'm a broker, not a bank, so your Colorado loan goes to whichever of my 100+ lenders fits it best.

Available Loan Programs in Colorado

Conventional

As little as 3% down, for purchase or refinance.

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FHA

Government-backed, 3.5% down, and easier on credit. A common first-time buyer loan.

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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 more for self-employed borrowers and investors.

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HELOC / HELoan

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

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments from age 55 on select programs (62 for the FHA-insured HECM); you still pay property taxes, homeowners insurance, and upkeep.

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Commercial

Loans for commercial, mixed-use, and business real estate.

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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

Buying your first home, step by step from pre-approval to closing.

Should You Refinance in 2026?

How to tell if a refinance pays off, with the break-even math.

DSCR Loans Explained

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

5-Day Digital HELOC Guide

How the digital HELOC works: funding in as few as 5 business days after offer acceptance on select digital programs.

Credit Score Myths for Homebuyers

The 5 credit score myths that keep people from buying.

Frequently Asked Questions

Straight answers on loan programs, credit, and applying.

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 $832,750 baseline, but high-cost mountain counties like Eagle (Vail), Pitkin (Aspen), and San Miguel (Telluride) have limits up to $1,249,125. The Denver metro area also has elevated limits due to higher median home prices.

Can I get a HELOC in Colorado?

Yes. If you've built equity in your Colorado home, a HELOC (Home Equity Line of Credit) lets you borrow against it as a revolving line. People use it for renovations or to pay off higher-interest debt.

Does Colorado have first-time homebuyer programs?

Yes. The Colorado Housing and Finance Authority (CHFA) offers down payment assistance grants and its own first mortgage options. I can pair CHFA with an FHA or conventional loan so you bring less money to closing.

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. I shop 100+ wholesale lenders for buyers on the Front Range, in the mountains, and everywhere else in the state.

Can I finance a vacation home in Colorado?

Yes. Conventional second-home loans are the usual route, and mountain resort towns are a popular place for them. For higher-priced properties, I have jumbo options too.

Ready to Get Started in Colorado?

Tell me what you're trying to do in Coloradoand I'll shop it across 100+ lenders. Apply online or grab a time to talk.

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