West Capital Lending
Randy Mathis
All States

Mortgage Broker in Missouri

Licensed to originate mortgages in Missouri (MO) 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 Missouri 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 Missouri is $806,500 for 2026.

Mortgage Lending in Missouri

Missouri offers highly affordable housing markets in both the Kansas City and St. Louis metro areas, with median home prices well below the national average. The state's central location, low cost of living, and no city earnings tax in most areas make it attractive for buyers and investors. Missouri also has strong first-time homebuyer programs through the Missouri Housing Development Commission.

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 Missouri. 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 Missouri

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 Missouri?
Missouri follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Missouri's affordable housing markets mean most purchases fall well within conventional lending guidelines.
Does Missouri have first-time homebuyer programs?
Yes, the Missouri Housing Development Commission (MHDC) offers the First Place Loan program with down payment assistance and competitive interest rates. Cash assistance can be used for down payment, closing costs, or prepaid items.
Can I get an FHA loan in Missouri?
Yes, FHA loans are widely available in Missouri and are popular for first-time buyers. With as little as 3.5% down, flexible credit guidelines, and the ability to finance in affordable markets like Kansas City and St. Louis, FHA loans help many Missouri buyers achieve homeownership.
Is Randy Mathis licensed to lend in Missouri?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Missouri through West Capital Lending. Randy helps Missouri borrowers in Kansas City, St. Louis, Springfield, and across the state find the best rates from over 160 lenders.
Can I buy investment property in Missouri?
Yes, Missouri's affordable housing prices make it an attractive market for real estate investors. Conventional investment property loans, DSCR loans, and other investor-focused programs are available. The strong rental markets in Kansas City and St. Louis offer solid cash flow potential for portfolio builders.

Ready to Get Started in Missouri?

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 Missouri.

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