West Capital Lending
Randy Mathis
All States

Mortgage Broker in Pennsylvania

Licensed to originate mortgages in Pennsylvania (PA) 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 Pennsylvania 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 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 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 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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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 to originate mortgages in Pennsylvania through West Capital Lending. Randy serves borrowers in Philadelphia, Pittsburgh, the Lehigh Valley, and across the entire state with access to over 160 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 the best mortgage rate from our network of 160+ lenders. Apply online or schedule a call to discuss your options in Pennsylvania.

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