West Capital Lending
Randy Mathis
All States

Mortgage Broker in Maine

Licensed to originate mortgages in Maine (ME) 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 Maine 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 Maine is $806,500 for 2026.

Mortgage Lending in Maine

Maine's real estate market blends charming coastal communities, rural retreats, and growing urban centers like Portland and Bangor. The state has seen increased interest from remote workers seeking quality of life, driving appreciation in many areas. Maine's MaineHousing programs provide strong support for first-time buyers, and the state's vacation rental market along the coast creates opportunities for real estate 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 Maine. 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 Maine

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 Maine?
Maine follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. While some coastal areas have higher property values, no Maine counties are currently designated as high-cost areas for conforming loan limit purposes.
Does Maine have first-time homebuyer programs?
Yes, MaineHousing offers the First Home Loan program with competitive rates and down payment assistance options. They also provide the Advantage program for repeat buyers. These programs can be combined with FHA, VA, or conventional loans to make homeownership more accessible.
Can I get a HELOC in Maine?
Yes, HELOCs (Home Equity Lines of Credit) are available in Maine for homeowners with built-up equity. A HELOC provides flexible access to your home equity as a revolving credit line, useful for home improvements, debt consolidation, or other financial needs.
Is Randy Mathis licensed to lend in Maine?
Yes, Randy Mathis (NMLS# 1516760) is licensed to originate mortgages in Maine through West Capital Lending. Randy serves borrowers throughout the state from Portland to Bangor and beyond, with access to over 160 lenders.
Can I finance a vacation property in Maine?
Yes, second home and vacation property financing is available in Maine. The state's coastal communities are popular for seasonal homes, and conventional loan programs offer competitive rates for second home purchases. Investment property loans are also available for buyers interested in the vacation rental market.

Ready to Get Started in Maine?

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 Maine.

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