Mortgage Broker in Indiana

Licensed to originate mortgages in Indiana (IN) through Lumin Lending Inc. Purchase, refinance, and investment property loans with access to over 90 lenders.

Last updated: April 2026

Key Facts

Randy Mathis is a licensed mortgage broker serving Indiana through Lumin Lending Inc. (NMLS# 1516760). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The conforming loan limit in Indiana is $806,500 for 2026.

Mortgage Lending in Indiana

Indiana ranks among the more affordable states for homeownership, with median home prices well below the national average across most of the state. The Indianapolis metro area, Fort Wayne, and the Northwest Indiana corridor near Chicago all offer distinct market dynamics. Indiana's diverse economy spans manufacturing, life sciences, logistics, and agriculture, providing stable employment and consistent housing demand statewide.

With access to over 90 lenders through Lumin Lending Inc., I can shop your loan across multiple investors to find the right rate and terms for your specific situation in Indiana. 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 Indiana

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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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

Everything you need to know about buying your first home, from pre-approval to closing day.

Should You Refinance in 2026?

How to decide if refinancing makes sense for your situation, with break-even analysis.

DSCR Loans Explained

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

5-Day Digital HELOC Guide

Access your home equity in as few as 5 days with our digital HELOC process.

Credit Score Myths for Homebuyers

The 5 biggest credit score myths that stop people from pursuing homeownership.

Frequently Asked Questions

Answers to common mortgage questions about loan programs, credit, and the application process.

Frequently Asked Questions

What are the conforming loan limits in Indiana?

Indiana follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Indiana's affordable housing market means most home purchases fall well within this limit, providing broad access to conventional financing options.

Does Indiana have first-time homebuyer programs?

Yes, the Indiana Housing and Community Development Authority (IHCDA) offers several programs including the First Place program with down payment assistance and the Next Home program for repeat buyers. These can be combined with FHA, VA, USDA, or conventional first mortgages.

Can I get an FHA loan in Indiana?

Yes, FHA loans are widely available in Indiana and are a popular choice for first-time buyers. With as little as 3.5% down, flexible credit requirements, and seller concession allowances, FHA loans pair well with Indiana's affordable housing market.

Is Randy Mathis licensed to lend in Indiana?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Indiana through Lumin Lending Inc. (NMLS# 2716106), which holds an Indiana Mortgage Lending License. Whether you are buying your first home in Indiana or refinancing, Randy has access to over 90 wholesale lenders to find competitive rates across Indianapolis, Fort Wayne, and the rest of the state.

Can I finance investment property in Indiana?

Yes, Indiana's affordable home prices make it an attractive market for real estate investors. Conventional investment property loans, DSCR loans, and other investor-focused programs are available. Strong rental demand in the Indianapolis metro and college towns offers solid cash flow potential for portfolio builders.

Ready to Get Started in Indiana?

Let me find you a competitive mortgage rate from our network of 90+ lenders. Apply online or schedule a call to discuss your options in Indiana.

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