West Capital Lending
Randy Mathis
All States

Mortgage Broker in Delaware

Licensed to originate mortgages in Delaware (DE) 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 Delaware 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 Delaware is $806,500 for 2026.

Mortgage Lending in Delaware

Delaware offers a unique advantage for homeowners: it is one of only a few states with no sales tax and relatively low property taxes compared to its Mid-Atlantic neighbors. The state's compact size means buyers can easily commute to Philadelphia, Baltimore, or Washington D.C. while enjoying more affordable housing. Delaware's beach communities along the coast also create active second home and investment markets.

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 Delaware. 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 Delaware

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 Delaware?
Delaware follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all three counties. Sussex County's beach communities can have higher-value properties, but the standard limit applies. Loans exceeding this amount require jumbo financing.
Does Delaware have first-time homebuyer programs?
Yes, the Delaware State Housing Authority (DSHA) offers several programs including the Preferred Plus program with down payment and closing cost assistance. These programs can provide significant help to first-time buyers looking to purchase in Delaware.
Can I get a bank statement loan in Delaware?
Yes, bank statement loans are available in Delaware for self-employed borrowers and business owners. Instead of traditional tax returns, these loans use 12 or 24 months of bank statements to verify income, making them ideal for borrowers with strong cash flow but complex tax situations.
Is Randy Mathis licensed to lend in Delaware?
Yes, Randy Mathis (NMLS# 1516760) is licensed to originate mortgages in Delaware through West Capital Lending. Randy serves all three Delaware counties and can help with everything from first-time purchases to refinances and investment properties.
What are the benefits of buying a home in Delaware?
Delaware has no state sales tax, no tax on Social Security benefits, and relatively low property taxes compared to nearby states like New Jersey and Maryland. The state also has a realty transfer tax, but it is often split between buyer and seller. These factors make Delaware an attractive state for homeownership.

Ready to Get Started in Delaware?

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 Delaware.

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