Lumin Lending
Randy Mathis
All States

Mortgage Broker in Pennsylvania

Licensed to originate mortgages in Pennsylvania (PA) 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 Pennsylvania 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 Pennsylvania is $806,500 for 2026.

Mortgage Lending in Pennsylvania

Pennsylvania's housing market offers remarkable diversity, from the urban markets of Philadelphia and Pittsburgh to the suburban communities of the Lehigh Valley and central Pennsylvania. The state has a wide range of home prices, with many areas offering significantly more affordable housing than neighboring New Jersey and New York. Pennsylvania's first-time homebuyer programs through PHFA are among the most comprehensive in the country.

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 Pennsylvania. 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 Pennsylvania

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 Pennsylvania?
Pennsylvania follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Despite Philadelphia's higher home values in some neighborhoods, no Pennsylvania counties are currently designated as high-cost areas.
Does Pennsylvania have first-time homebuyer programs?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers several programs including the Keystone Home Loan with competitive rates and the Keystone Advantage Assistance Loan for down payment and closing cost help. PHFA programs are well-regarded and widely available across the state.
Can I get a HELOC in Pennsylvania?
Yes, HELOCs are available in Pennsylvania for homeowners who have built equity. A HELOC lets you borrow against your home equity as needed through a revolving credit line. Pennsylvania homeowners often use HELOCs for home renovations, especially in the state's many older housing markets.
Is Randy Mathis licensed to lend in Pennsylvania?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Pennsylvania through Lumin Lending Inc. (NMLS# 2716106), which holds a Pennsylvania Mortgage Lender License. Randy serves borrowers in Philadelphia, Pittsburgh, the Lehigh Valley, and across the entire state with access to over 90 wholesale lenders.
What should I know about property taxes in Pennsylvania?
Pennsylvania property taxes are levied at the county, municipality, and school district levels, and rates vary significantly across the state. Some areas have much higher effective tax rates than others. Understanding your local property tax situation is important because it directly affects your monthly mortgage payment and overall qualification.

Ready to Get Started in Pennsylvania?

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 Pennsylvania.

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