West Capital Lending
Randy Mathis
All States

Mortgage Broker in Kentucky

Licensed to originate mortgages in Kentucky (KY) 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 Kentucky 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 Kentucky is $806,500 for 2026.

Mortgage Lending in Kentucky

Kentucky offers some of the most affordable homeownership opportunities in the nation, with median home prices significantly below the national average. The state's diverse economy includes manufacturing, healthcare, logistics, and bourbon production, providing stable employment across regions. The Kentucky Housing Corporation provides robust first-time buyer programs that make homeownership accessible to a wide range of borrowers.

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 Kentucky. 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 Kentucky

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 Kentucky?
Kentucky follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Kentucky's affordable housing market means most buyers can comfortably use conventional financing without approaching the conforming limit.
Does Kentucky have first-time homebuyer programs?
Yes, the Kentucky Housing Corporation (KHC) offers several programs including down payment assistance of up to $10,000 through the Affordable DAP program. KHC also offers competitive first mortgage rates and can be combined with FHA, VA, or conventional loans.
Can I get an FHA loan in Kentucky?
Yes, FHA loans are available throughout Kentucky and are a popular option for first-time buyers. FHA requires as little as 3.5% down, has more flexible credit requirements than conventional loans, and allows seller concessions to help with closing costs.
Is Randy Mathis licensed to lend in Kentucky?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Kentucky through West Capital Lending. Randy helps Kentucky borrowers find the best rates and programs from over 160 lenders for purchase, refinance, and investment property loans.
Can I finance a multi-unit property in Kentucky?
Yes, you can finance multi-unit properties (2-4 units) in Kentucky 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. Multi-unit properties can be an excellent way to build wealth through real estate in Kentucky's affordable market.

Ready to Get Started in Kentucky?

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 Kentucky.

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