Lumin Lending
Randy Mathis
All States

Mortgage Broker in Maryland

Licensed to originate mortgages in Maryland (MD) 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 Maryland 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 Maryland is Varies by county, up to $1,209,750 in high-cost areas for 2026.

Mortgage Lending in Maryland

Maryland's proximity to Washington D.C. drives significant housing demand, particularly in the suburban counties of Montgomery, Prince George's, Howard, and Anne Arundel. Several counties carry high-cost conforming loan limits due to elevated home values. The state also has a diverse market ranging from the Baltimore metro area to the Eastern Shore, offering options at every price point for buyers and investors.

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 Maryland. 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 Maryland

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.

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Should You Refinance in 2026?

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

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DSCR Loans Explained

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

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5-Day Digital HELOC Guide

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

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Credit Score Myths for Homebuyers

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

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Frequently Asked Questions

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

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Frequently Asked Questions

What are the conforming loan limits in Maryland?
Maryland has multiple high-cost counties with elevated conforming loan limits. Counties near Washington D.C. like Montgomery, Prince George's, Frederick, and Calvert have limits above the standard $806,500 baseline, reaching up to $1,209,750 in the highest-cost areas. Other counties follow the standard limit.
Does Maryland have first-time homebuyer programs?
Yes, the Maryland Department of Housing and Community Development offers the Maryland Mortgage Program (MMP) with competitive rates and down payment assistance for first-time and repeat buyers. The state also has a SmartBuy program that helps borrowers with student loan debt.
Can I get a VA loan in Maryland?
Yes, VA loans are widely available in Maryland and are popular given the state's proximity to numerous military installations and federal employment centers. VA loans offer zero down payment and no PMI, and Maryland's high-cost county limits allow for larger VA loan amounts.
Is Randy Mathis licensed to lend in Maryland?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Maryland through Lumin Lending Inc. (NMLS# 2716106), which holds a Maryland Mortgage Lender License. Randy serves the entire state including the D.C. suburbs, Baltimore metro, and Eastern Shore, with access to over 90 wholesale lenders for competitive rates and terms.
What are the closing costs like in Maryland?
Maryland has a state transfer tax and recordation tax that can add to closing costs, though these are often negotiable between buyer and seller. Working with a broker who can shop multiple lenders helps ensure you get competitive lender fees and a favorable overall cost structure for your transaction.

Ready to Get Started in Maryland?

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 Maryland.

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