West Capital Lending
Randy Mathis
All States

Mortgage Broker in Florida

Licensed to originate mortgages in Florida (FL) 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 Florida 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 Florida is $806,500 for 2026.

Mortgage Lending in Florida

Florida is one of the most active real estate markets in the country, fueled by no state income tax, a warm climate, and consistent population growth. The state's homestead exemption provides significant property tax savings and asset protection for primary residence owners. From Miami's luxury condo market to the affordable panhandle region, Florida offers diverse opportunities for buyers and investors.

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 Florida. 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 Florida

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

How does Florida's homestead exemption affect mortgages?
Florida's homestead exemption reduces the taxable value of your primary residence by up to $50,000, lowering your annual property tax bill. This exemption also provides powerful asset protection, shielding your primary home from most creditors. The lower property taxes can improve your debt-to-income ratio for mortgage qualification.
Can I get a DSCR loan for investment property in Florida?
Yes, DSCR loans are extremely popular in Florida given the state's strong rental and vacation rental markets. These loans qualify based on the property's rental income rather than your personal income, making them ideal for investors building portfolios in markets like Miami, Orlando, Tampa, and Jacksonville.
Does Florida have first-time homebuyer programs?
Yes, the Florida Housing Finance Corporation offers programs like the Florida Assist and Florida Homeownership Loan Program (FL HLP) that provide down payment and closing cost assistance. These programs can be combined with FHA, VA, or conventional first mortgages.
Is Randy Mathis licensed to lend in Florida?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Florida through West Capital Lending. Florida is one of the most active markets Randy serves, with extensive experience in conventional, FHA, VA, Non-QM, and investor loan programs throughout the state.
What types of insurance do I need for a Florida home?
Florida homeowners typically need standard homeowner's insurance plus windstorm coverage, and flood insurance is often required depending on the property's location and flood zone designation. Insurance costs have risen in recent years, so it is important to factor these into your overall housing budget when qualifying for a mortgage.

Ready to Get Started in Florida?

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 Florida.

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