West Capital Lending
Randy Mathis
All States

Mortgage Broker in Oklahoma

Licensed to originate mortgages in Oklahoma (OK) 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 Oklahoma 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 Oklahoma is $806,500 for 2026.

Mortgage Lending in Oklahoma

Oklahoma ranks among the most affordable states for homeownership, with median home prices well below the national average in both urban and rural areas. The state's economy is anchored by energy, aerospace, and agriculture industries, providing diverse employment opportunities. Oklahoma's low cost of living and the absence of city income tax in most areas allow buyers to stretch their purchasing power further than in most states.

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 Oklahoma. 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 Oklahoma

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 Oklahoma?
Oklahoma follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Given Oklahoma's very affordable housing market, conventional financing is accessible to the vast majority of homebuyers in the state.
Does Oklahoma have first-time homebuyer programs?
Yes, the Oklahoma Housing Finance Agency (OHFA) offers the OHFA Homebuyer Down Payment Assistance program and the OHFA Dream program. These provide financial assistance for down payments and closing costs and can be combined with FHA, VA, or conventional first mortgages.
Can I get a VA loan in Oklahoma?
Yes, VA loans are available in Oklahoma for eligible veterans, active-duty service members, and qualifying spouses. Oklahoma has multiple military installations, and VA loans provide zero down payment and no PMI, making them an excellent option for military-connected buyers.
Is Randy Mathis licensed to lend in Oklahoma?
Yes, Randy Mathis (NMLS# 1516760) is licensed to originate mortgages in Oklahoma through West Capital Lending. Randy serves buyers and homeowners throughout Oklahoma City, Tulsa, and the entire state with access to over 160 lenders.
What makes Oklahoma affordable for homebuyers?
Oklahoma's low median home prices, no state tax on Social Security benefits, and relatively low property taxes contribute to its affordability. The combination of low housing costs and a reasonable cost of living means buyers can often afford larger homes or better locations compared to higher-cost states.

Ready to Get Started in Oklahoma?

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 Oklahoma.

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