Mortgage Broker in Maryland

I'm licensed to originate mortgages in Maryland (MD) through Lumin Lending Inc., and I shop 100+ lenders on purchase, refinance, and investment loans.

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Last updated: October 2026

Key Facts

Randy Mathis (NMLS# 1516760) is a licensed mortgage broker serving Maryland through Lumin Lending Inc. (NMLS# 2716106). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The 2026 conforming loan limit in Maryland varies by county (up to $1,249,125).

Mortgage Lending in Maryland

Maryland's housing demand runs through Washington D.C. The suburban counties of Montgomery, Prince George's, Howard, and Anne Arundel feel it most, and several counties carry high-cost conforming loan limits. Away from D.C., Baltimore and the Eastern Shore cover a wide range of prices for buyers and investors.

I'm a broker, not a bank, so your Maryland loan goes to whichever of my 100+ lenders fits it best.

Available Loan Programs in Maryland

Conventional

As little as 3% down, for purchase or refinance.

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FHA

Government-backed, 3.5% down, and easier on credit. A common first-time buyer loan.

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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 more for self-employed borrowers and investors.

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HELOC / HELoan

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

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments from age 55 on select programs (62 for the FHA-insured HECM); you still pay property taxes, homeowners insurance, and upkeep.

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Commercial

Loans for commercial, mixed-use, and business real estate.

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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

Buying your first home, step by step from pre-approval to closing.

Should You Refinance in 2026?

How to tell if a refinance pays off, with the break-even math.

DSCR Loans Explained

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

5-Day Digital HELOC Guide

How the digital HELOC works: funding in as few as 5 business days after offer acceptance on select digital programs.

Credit Score Myths for Homebuyers

The 5 credit score myths that keep people from buying.

Frequently Asked Questions

Straight answers on loan programs, credit, and applying.

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 $832,750 baseline, reaching up to $1,249,125 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 runs the Maryland Mortgage Program (MMP), with down payment assistance for first-time and repeat buyers. Its SmartBuy program helps buyers who carry student loan debt.

Can I get a VA loan in Maryland?

Yes, and they're popular here with so many military installations and federal jobs nearby. VA means zero down and no PMI, and Maryland's high-cost county limits allow bigger 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. I cover the whole state, from the D.C. suburbs to the Baltimore metro and the Eastern Shore, with 100+ wholesale lenders to shop.

What are the closing costs like in Maryland?

Maryland charges a state transfer tax and a recordation tax, and buyer and seller often negotiate who pays them. On the lender side, I shop multiple lenders so you aren't stuck with one lender's fees.

Ready to Get Started in Maryland?

Tell me what you're trying to do in Marylandand I'll shop it across 100+ lenders. Apply online or grab a time to talk.

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