Mortgage Broker in Kansas

Licensed to originate mortgages in Kansas (KS) 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 Kansas 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 Kansas is $806,500 for 2026.

Mortgage Lending in Kansas

Kansas offers highly affordable housing markets, with median home prices well below the national average in both urban and rural areas. The Kansas City metro on the eastern side, Wichita, and Topeka all anchor distinct regional markets. The state's economy is anchored by aviation manufacturing, agriculture, energy, and a growing tech presence, providing stable employment and consistent housing demand.

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 Kansas. 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 Kansas

Conventional

Traditional financing with as little as 3% down. Competitive rates for purchase and refinance.

Learn more

FHA

Government-backed loans with 3.5% down and flexible credit requirements for first-time buyers.

Learn more

VA

Zero down payment and no PMI for eligible veterans, active-duty, and qualifying spouses.

Learn more

Non-QM / DSCR

Bank statement, DSCR, asset depletion, and other flexible programs for self-employed and investors.

Learn more

HELOC / HELoan

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

Learn more

Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments for homeowners 62 and older.

Learn more

Commercial

Financing for commercial properties, mixed-use buildings, and business real estate needs.

Learn more

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 Kansas?

Kansas follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Given Kansas's very affordable housing market, conventional financing is accessible to the vast majority of homebuyers in the state.

Does Kansas have first-time homebuyer programs?

Yes, the Kansas Housing Resources Corporation (KHRC) offers the First Time Homebuyer Program with down payment assistance for qualifying buyers. These programs can be combined with FHA, VA, USDA, or conventional first mortgages to make homeownership more accessible.

Can I get a VA loan in Kansas?

Yes, VA loans are available in Kansas for eligible veterans, active-duty service members, and qualifying spouses. Kansas is home to Fort Riley and McConnell Air Force Base, and VA loans provide zero down payment and no PMI, making them an excellent option for military-connected buyers.

Is Randy Mathis licensed to lend in Kansas?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Kansas through Lumin Lending Inc. (NMLS# 2716106), which holds a Kansas Mortgage Company License. Whether you are buying your first home in Kansas or refinancing, Randy has access to over 90 wholesale lenders to find competitive rates from Kansas City to Wichita and across the state.

Can I finance a multi-unit property in Kansas?

Yes, you can finance multi-unit properties (2-4 units) in Kansas using conventional, FHA, or VA loans if you plan to live in one of the units. For pure investment properties, conventional and DSCR loan options are available. Kansas's affordable price points make multi-unit investing especially accessible.

Ready to Get Started in Kansas?

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 Kansas.

Schedule a Call Apply Now

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