Mortgage Broker in Ohio

Licensed to originate mortgages in Ohio (OH) 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 Ohio 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 Ohio is $806,500 for 2026.

Mortgage Lending in Ohio

Ohio offers some of the most affordable housing in the country, with strong markets in Columbus, Cleveland, Cincinnati, and growing communities throughout the state. The Columbus metro in particular has experienced rapid growth driven by Intel's investment, healthcare, insurance, and a thriving tech sector. Ohio's combination of affordability, strong job markets, and well-established first-time buyer programs through OHFA make it attractive for both primary residences and investment properties.

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 Ohio. 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 Ohio

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 Ohio?

Ohio follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Ohio's affordable housing market means most home purchases fall well within this limit, providing broad access to conventional financing options.

Does Ohio have first-time homebuyer programs?

Yes, the Ohio Housing Finance Agency (OHFA) offers several programs including Your Choice Down Payment Assistance and the Grants for Grads program for recent college graduates. OHFA programs can be combined with FHA, VA, USDA, or conventional first mortgages.

Can I get a renovation loan in Ohio?

Yes, renovation loans are available in Ohio 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 Ohio's many older housing markets with strong renovation potential.

Is Randy Mathis licensed to lend in Ohio?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Ohio through Lumin Lending Inc. (NMLS# 2716106), which holds an Ohio Residential Mortgage Lending Act Certificate. Whether you are buying your first home in Ohio or refinancing, Randy has access to over 90 wholesale lenders to find competitive rates from Columbus to Cleveland to Cincinnati and across the state.

Can I get a DSCR loan in Ohio?

Yes, DSCR loans are available in Ohio for real estate investors. Ohio's affordable property prices combined with strong rental demand in metro areas like Columbus, Cleveland, and Cincinnati make it one of the most attractive Midwest markets for building an investment portfolio.

Ready to Get Started in Ohio?

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 Ohio.

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