West Capital Lending
Randy Mathis
All States

Mortgage Broker in Oregon

Licensed to originate mortgages in Oregon (OR) 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 Oregon 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 Oregon is $806,500 for 2026.

Mortgage Lending in Oregon

Oregon's housing market centers on the Portland metro area, which has seen significant growth and appreciation over the past decade. The state has no sales tax, which benefits homeowners on everyday purchases, though property taxes and income taxes are higher than average. Oregon's diverse geography offers everything from urban living in Portland and Eugene to rural homesteads and coastal communities, each with distinct market dynamics.

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 Oregon. 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 Oregon

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 Oregon?
Most Oregon counties follow the standard conforming loan limit of $806,500 for 2026. Some counties in the Portland metro area may have slightly elevated limits. Loans above these amounts require jumbo financing with different qualification requirements.
Does Oregon have first-time homebuyer programs?
Yes, Oregon Housing and Community Services (OHCS) offers programs including down payment assistance and reduced rate first mortgages. The Oregon Bond Residential Loan program provides competitive rates for first-time buyers and can be paired with cash assistance for down payment and closing costs.
Can I get a Non-QM loan in Oregon?
Yes, Non-QM loans are available in Oregon for borrowers who do not fit traditional qualification guidelines. Bank statement loans, asset depletion loans, DSCR investor loans, and other Non-QM products provide flexible alternatives for self-employed borrowers, business owners, and real estate investors in Oregon.
Is Randy Mathis licensed to lend in Oregon?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Oregon through West Capital Lending. Randy can help buyers and homeowners across the state, from Portland to Bend to the Oregon coast, with access to over 160 lenders for competitive rates.
Are there any Oregon-specific homebuying considerations?
Oregon does not have a sales tax, which benefits homeowners on purchases and daily expenses. However, property taxes and state income taxes are higher than the national average, which impacts your overall housing cost. Additionally, Oregon has specific disclosure requirements for sellers that provide buyers with detailed property condition information.

Ready to Get Started in Oregon?

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 Oregon.

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