Mortgage Broker in Oregon

I'm licensed to originate mortgages in Oregon (OR) through Lumin Lending Inc., and I shop 100+ lenders on purchase, refinance, and investment loans.

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Last updated: October 2026

Key Facts

Randy Mathis (NMLS# 1516760) is a licensed mortgage broker serving Oregon through Lumin Lending Inc. (NMLS# 2716106). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The 2026 conforming loan limit in Oregon is $832,750.

Mortgage Lending in Oregon

Most of Oregon's market is the Portland metro, which has grown and appreciated a lot over the past decade. There's no sales tax, but property and income taxes run above average, and I factor that in when we look at what you can afford. Outside Portland you have Eugene, rural acreage, and the coast, and each one behaves differently.

I'm a broker, not a bank, so your Oregon loan goes to whichever of my 100+ lenders fits it best.

Available Loan Programs in Oregon

Conventional

As little as 3% down, for purchase or refinance.

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FHA

Government-backed, 3.5% down, and easier on credit. A common first-time buyer loan.

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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 more for self-employed borrowers and investors.

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HELOC / HELoan

Tap your home equity with a line of credit or a fixed-rate home equity loan.

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments from age 55 on select programs (62 for the FHA-insured HECM); you still pay property taxes, homeowners insurance, and upkeep.

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Commercial

Loans for commercial, mixed-use, and business real estate.

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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

Buying your first home, step by step from pre-approval to closing.

Should You Refinance in 2026?

How to tell if a refinance pays off, with the break-even math.

DSCR Loans Explained

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

5-Day Digital HELOC Guide

How the digital HELOC works: funding in as few as 5 business days after offer acceptance on select digital programs.

Credit Score Myths for Homebuyers

The 5 credit score myths that keep people from buying.

Frequently Asked Questions

Straight answers on loan programs, credit, and applying.

Frequently Asked Questions

What are the conforming loan limits in Oregon?

Every Oregon county, including the Portland metro, follows the standard conforming loan limit of $832,750 for single-family homes in 2026; no Oregon county is designated high-cost. Above that, you need a jumbo loan, which has its own qualifying rules.

Does Oregon have first-time homebuyer programs?

Yes. Oregon Housing and Community Services (OHCS) offers down payment assistance and reduced rate first mortgages. The Oregon Bond Residential Loan program is built for first-time buyers and can be paired with cash help for the down payment and closing costs.

Can I get a Non-QM loan in Oregon?

Yes. If you don't fit the standard guidelines, I have bank statement, asset depletion, DSCR, and other Non-QM loans in Oregon. They're built for self-employed borrowers, business owners, and investors.

Is Randy Mathis licensed to lend in Oregon?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Oregon through Lumin Lending Inc. (NMLS# 2716106), which holds an Oregon Mortgage Lending License. I work with buyers and homeowners from Portland to Bend to the Oregon coast, and I shop 100+ wholesale lenders for you.

Are there any Oregon-specific homebuying considerations?

No sales tax helps on everyday spending. But property taxes and state income taxes run above the national average, and both affect what owning a home really costs you. Oregon sellers also have specific disclosure rules, so you get detailed information on the property's condition.

Ready to Get Started in Oregon?

Tell me what you're trying to do in Oregonand I'll shop it across 100+ lenders. Apply online or grab a time to talk.

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