Mortgage Broker in Nevada

Licensed to originate mortgages in Nevada (NV) through Lumin Lending Inc. Purchase, refinance, and investment property loans with access to over 90 lenders.

Last updated: April 2026

Key Facts

Randy Mathis is a licensed mortgage broker serving Nevada through Lumin Lending Inc. (NMLS# 1516760). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The conforming loan limit in Nevada is $806,500 for 2026.

Mortgage Lending in Nevada

Nevada's housing market is anchored by the fast-growing Las Vegas metro area and the Reno-Sparks region, both of which have seen significant appreciation driven by population influx from California and other higher-cost states. Nevada has no state income tax, which boosts buyer purchasing power. The state's economy spans tourism, gaming, logistics, and a growing tech sector, supporting consistent housing demand.

With access to over 90 lenders through Lumin Lending Inc., I can shop your loan across multiple investors to find the right rate and terms for your specific situation in Nevada. 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 Nevada

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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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

Everything you need to know about buying your first home, from pre-approval to closing day.

Should You Refinance in 2026?

How to decide if refinancing makes sense for your situation, with break-even analysis.

DSCR Loans Explained

How real estate investors qualify based on rental income instead of personal tax returns.

5-Day Digital HELOC Guide

Access your home equity in as few as 5 days with our digital HELOC process.

Credit Score Myths for Homebuyers

The 5 biggest credit score myths that stop people from pursuing homeownership.

Frequently Asked Questions

Answers to common mortgage questions about loan programs, credit, and the application process.

Frequently Asked Questions

What are the conforming loan limits in Nevada?

Nevada follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. While Las Vegas and Reno have seen significant appreciation, all Nevada counties currently fall within the standard conforming limit.

Does Nevada have first-time homebuyer programs?

Yes, the Nevada Housing Division offers the Home Is Possible program with down payment assistance for first-time and repeat buyers. Cash assistance is provided as a percentage of the loan amount and can be used for down payment and closing costs, paired with FHA, VA, USDA, or conventional first mortgages.

Does Nevada have a state income tax?

No, Nevada does not have a state income tax, which can significantly increase your purchasing power when buying a home. The state relies primarily on sales tax and gaming revenue. This tax advantage is one reason Nevada continues to attract buyers from income-tax states like California.

Is Randy Mathis licensed to lend in Nevada?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Nevada through Lumin Lending Inc. (NMLS# 2716106), which holds a Nevada Mortgage Company License. Whether you are buying your first home in Las Vegas, Reno, or anywhere in Nevada, Randy has access to over 90 wholesale lenders to find competitive rates.

Can I get a DSCR loan in Nevada?

Yes, DSCR loans are available in Nevada for real estate investors. Las Vegas's strong rental and short-term rental markets make Nevada an attractive market for building an investment portfolio using income-based qualification rather than personal income verification.

Ready to Get Started in Nevada?

Let me find you a competitive mortgage rate from our network of 90+ lenders. Apply online or schedule a call to discuss your options in Nevada.

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Randy Mathis NMLS# 1516760 | Lumin Lending Inc. NMLS# 2716106 | NMLS Consumer Access