West Capital Lending
Randy Mathis
All States

Mortgage Broker in Maryland

Licensed to originate mortgages in Maryland (MD) 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 Maryland 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 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 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 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.

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

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 West Capital Lending. Randy serves the entire state including the D.C. suburbs, Baltimore metro, and Eastern Shore, with access to over 160 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 the best overall cost structure for your transaction.

Ready to Get Started in Maryland?

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 Maryland.

Schedule a CallApply Now

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