West Capital Lending
Randy Mathis
All States

Mortgage Broker in Tennessee

Licensed to originate mortgages in Tennessee (TN) 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 Tennessee 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 Tennessee is $806,500 for 2026.

Mortgage Lending in Tennessee

Tennessee has emerged as one of the top destination states for relocating families and remote workers, driven by no state income tax on wages, affordable housing, and growing metro areas like Nashville, Memphis, and Knoxville. Nashville in particular has experienced rapid growth and appreciation, while other markets across the state remain highly affordable compared to national averages.

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 Tennessee. 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 Tennessee

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 Tennessee?
Tennessee follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. While Nashville's market has appreciated significantly, all Tennessee counties currently fall within the standard conforming limit.
Does Tennessee have first-time homebuyer programs?
Yes, the Tennessee Housing Development Agency (THDA) offers the Great Choice Home Loan program with competitive rates and the Great Choice Plus program that provides down payment and closing cost assistance. These programs serve first-time and repeat buyers statewide.
Does Tennessee have a state income tax?
Tennessee does not have a state income tax on wages and salaries, making it one of only nine states with no income tax. This can significantly lower your overall cost of living and increase your purchasing power when buying a home. The state relies primarily on sales tax revenue instead.
Is Randy Mathis licensed to lend in Tennessee?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Tennessee through West Capital Lending. Randy helps borrowers across Nashville, Memphis, Knoxville, Chattanooga, and the rest of the state find competitive mortgage rates from over 160 lenders.
Can I get a DSCR loan in Tennessee?
Yes, DSCR loans are available in Tennessee for real estate investors. Nashville's strong rental market and the affordable entry points in cities like Memphis and Knoxville make Tennessee an attractive state for building an investment portfolio using income-based qualification rather than personal income verification.

Ready to Get Started in Tennessee?

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 Tennessee.

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