Lumin Lending
Randy Mathis
All States

Mortgage Broker in Oregon

Licensed to originate mortgages in Oregon (OR) 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 Oregon 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 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 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 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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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.

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Should You Refinance in 2026?

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

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DSCR Loans Explained

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

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5-Day Digital HELOC Guide

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

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Credit Score Myths for Homebuyers

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

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Frequently Asked Questions

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

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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 Lumin Lending Inc. (NMLS# 2716106), which holds an Oregon Mortgage Lending License. Randy can help buyers and homeowners across the state, from Portland to Bend to the Oregon coast, with access to over 90 wholesale 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 a competitive mortgage rate from our network of 90+ lenders. Apply online or schedule a call to discuss your options in Oregon.

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