Mortgage Broker in Michigan

I'm licensed to originate mortgages in Michigan (MI) 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 Michigan 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 Michigan is $832,750.

Mortgage Lending in Michigan

Michigan covers a lot of ground, from a Detroit metro that has come back strong to lakefront towns on the west coast and up north. Home values have climbed steadily, but prices still run well below the coasts. That, plus tax breaks on retirement income, draws young families and retirees alike.

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

Available Loan Programs in Michigan

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 Michigan?

Michigan follows the standard conforming loan limit of $832,750 for single-family homes in 2026 across all counties. Most Michigan purchases come in well under that, so conventional financing is open to most buyers.

Does Michigan have first-time homebuyer programs?

Yes. The Michigan State Housing Development Authority (MSHDA) offers down payment assistance of up to $10,000 or more, depending on the area. MSHDA loans work with FHA, VA, USDA, or conventional first mortgages.

Is Randy Mathis licensed to lend in Michigan?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Michigan through Lumin Lending Inc. (NMLS# 2716106), which holds Michigan 1st Mortgage Broker/Lender and 2nd Mortgage Broker/Lender Registrations. I shop 100+ wholesale lenders on purchase, refinance, and investment loans anywhere in Michigan.

Are DSCR loans available for Michigan rental properties?

Yes. Low prices and strong rental demand in Detroit, Grand Rapids, and Ann Arbor make Michigan a good market for investors who want to qualify on the property's income instead of their own.

Ready to Get Started in Michigan?

Tell me what you're trying to do in Michiganand 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