West Capital Lending
Randy Mathis
All States

Mortgage Broker in Minnesota

Licensed to originate mortgages in Minnesota (MN) 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 Minnesota 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 Minnesota is $806,500 for 2026.

Mortgage Lending in Minnesota

Minnesota's housing market is anchored by the Minneapolis-St. Paul metro area, which offers a strong job market driven by Fortune 500 companies and a robust healthcare sector. The state has a higher-than-average homeownership rate and a well-established network of homebuyer assistance programs. While winters are cold, housing costs remain reasonable compared to coastal metros, and the quality of life consistently ranks among the highest in the nation.

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 Minnesota. 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 Minnesota

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 Minnesota?
Minnesota follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. The Twin Cities metro area has higher home values than rural Minnesota, but all counties currently fall within the standard limit.
Does Minnesota have first-time homebuyer programs?
Yes, Minnesota Housing offers several programs including Start Up and Step Up loans with down payment and closing cost assistance. The state also has a mortgage credit certificate program that provides an annual federal tax credit for a portion of your mortgage interest paid.
Can I get a HELOC in Minnesota?
Yes, HELOCs are available in Minnesota for homeowners looking to access their home equity. Minnesota has seen strong appreciation in many areas, meaning homeowners may have more accessible equity than they realize. HELOCs can be used for home improvements, debt consolidation, or other financial needs.
Is Randy Mathis licensed to lend in Minnesota?
Yes, Randy Mathis (NMLS# 1516760) is licensed to originate mortgages in Minnesota through West Capital Lending. Randy serves borrowers throughout Minnesota with access to over 160 lenders for competitive rates on purchase, refinance, and investment loans.
What types of refinance options are available in Minnesota?
Minnesota homeowners can take advantage of rate-and-term refinancing to lower their interest rate or change their loan term, cash-out refinancing to access home equity, and streamline refinance options for FHA and VA loans. Each option serves different financial goals, and a broker can help determine which is best for your situation.

Ready to Get Started in Minnesota?

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 Minnesota.

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