Mortgage Broker in Idaho

I'm licensed to originate mortgages in Idaho (ID) 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 Idaho 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 Idaho varies by county (up to $1,249,125).

Mortgage Lending in Idaho

Idaho has been one of the fastest-growing states in the country, and the Boise metro has seen some of the biggest price gains. It's still cheaper than neighboring Washington and Oregon, which pulls in remote workers and West Coast families. A low cost of living makes it popular for primary homes and rentals alike.

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

Available Loan Programs in Idaho

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 Idaho?

Idaho follows the standard conforming loan limit of $832,750 for single-family homes in 2026 in every county except Teton County, which is part of the high-cost Jackson, Wyoming area and carries the $1,249,125 ceiling. Loans above the applicable limit require jumbo financing.

Does Idaho have first-time homebuyer programs?

Yes. Idaho Housing and Finance Association (IHFA) offers down payment and closing cost assistance for first-time and repeat buyers. It pairs with FHA, VA, USDA, or conventional first mortgages.

Can I get a conventional loan in Idaho?

Yes, and it's the most common loan type in Idaho. First-time buyers can put as little as 3% down, and conventional low-down-payment programs add extra help for low-to-moderate income buyers.

Is Randy Mathis licensed to lend in Idaho?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Idaho through Lumin Lending Inc. (NMLS# 2716106), which holds an Idaho Mortgage Broker/Lender License. I work with buyers and homeowners from the Boise metro to Coeur d'Alene, with 100+ wholesale lenders to shop.

Is Idaho a good state for real estate investment?

Idaho's growth and prices that still undercut the West Coast have drawn a lot of investors. Rental demand holds up in the Boise metro and other growing areas. I do DSCR loans and conventional investment property loans here.

Ready to Get Started in Idaho?

Tell me what you're trying to do in Idahoand 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