West Capital Lending
Randy Mathis
All States

Mortgage Broker in Michigan

Licensed to originate mortgages in Michigan (MI) 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 Michigan 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 Michigan is $806,500 for 2026.

Mortgage Lending in Michigan

Michigan offers a wide range of housing markets from the revitalized Detroit metro area to the scenic lakefront communities of the west coast and northern regions. The state has experienced a strong housing recovery with home values appreciating steadily. Michigan's affordable home prices relative to coastal states, combined with no state income tax on retirement income, make it attractive for both young families and retirees.

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 Michigan. 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 Michigan

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 Michigan?
Michigan follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Michigan's generally affordable housing market means most home purchases fall well within this limit, giving buyers broad access to conventional financing.
Does Michigan have first-time homebuyer programs?
Yes, the Michigan State Housing Development Authority (MSHDA) offers programs with down payment assistance of up to $10,000 or more depending on the area. MSHDA loans can be combined with FHA, VA, USDA, or conventional first mortgages.
Can I get a renovation loan in Michigan?
Yes, renovation loans are available in Michigan through programs like the Fannie Mae HomeStyle Renovation loan and FHA 203(k). These allow you to finance the purchase price plus renovation costs in a single loan, which is especially useful in Michigan's many older housing markets with renovation potential.
Is Randy Mathis licensed to lend in Michigan?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Michigan through West Capital Lending. Randy serves borrowers across the state with access to over 160 lenders for purchase, refinance, and investment property financing.
Are DSCR loans available for Michigan rental properties?
Yes, DSCR loans are available in Michigan for real estate investors. Michigan's affordable property prices and strong rental demand in metro areas like Detroit, Grand Rapids, and Ann Arbor make it an attractive market for investors looking to qualify based on property income rather than personal income.

Ready to Get Started in Michigan?

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 Michigan.

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