Mortgage Broker in Utah

Licensed to originate mortgages in Utah (UT) 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 Utah 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 Utah is $806,500 for 2026.

Mortgage Lending in Utah

Utah has experienced rapid population and economic growth, driven by its thriving tech sector (the Silicon Slopes corridor), outdoor recreation industry, and family-friendly communities. The Salt Lake City metro, Provo-Orem corridor, and St. George have all seen significant home price appreciation. Utah's strong employment growth and high quality of life continue to attract new residents, keeping housing demand robust across the state.

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 Utah. 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 Utah

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.

Should You Refinance in 2026?

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

DSCR Loans Explained

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

5-Day Digital HELOC Guide

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

Credit Score Myths for Homebuyers

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

Frequently Asked Questions

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

Frequently Asked Questions

What are the conforming loan limits in Utah?

Most Utah counties follow the standard conforming loan limit of $806,500 for 2026. Some counties along the Wasatch Front may have slightly elevated limits due to higher home values. Loans above these amounts require jumbo financing.

Does Utah have first-time homebuyer programs?

Yes, the Utah Housing Corporation (UHC) offers several programs including the FirstHome Loan with down payment assistance and the Score Loan for borrowers with lower credit scores. These programs provide competitive rates and can be combined with FHA, VA, or conventional financing.

Can I get a conventional loan in Utah?

Yes, conventional loans are available throughout Utah and are the most common loan type for buyers along the Wasatch Front and in growing communities. With down payments as low as 3% and competitive rates, conventional loans are well-suited to Utah's housing market.

Is Randy Mathis licensed to lend in Utah?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Utah through Lumin Lending Inc. (NMLS# 2716106), which holds a Utah Mortgage Entity License (DRE). Randy serves borrowers from Salt Lake City to St. George and everywhere in between, with access to over 90 wholesale lenders for competitive rates.

Is Utah a good state for real estate investment?

Utah's strong population growth, job creation in the tech sector, and limited housing supply have made it an attractive state for real estate investment. Rental demand is strong across the Wasatch Front, and DSCR loans and conventional investment property financing are available for investors looking to build a portfolio.

Ready to Get Started in Utah?

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 Utah.

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