Mortgage Broker in Utah

I'm licensed to originate mortgages in Utah (UT) through Lumin Lending Inc., and I shop 100+ lenders on purchase, refinance, and investment loans.

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Last updated: October 2026

Key Facts

Randy Mathis (NMLS# 1516760) is a licensed mortgage broker serving Utah through Lumin Lending Inc. (NMLS# 2716106). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The 2026 conforming loan limit in Utah varies by county (up to $1,150,000).

Mortgage Lending in Utah

Utah has grown fast, pulled along by tech jobs on the Silicon Slopes corridor and a big outdoor recreation industry. Home prices have climbed a lot in the Salt Lake City metro, Provo-Orem, and St. George. Strong job growth keeps demand up across the state.

I'm a broker, not a bank, so your Utah loan goes to whichever of my 100+ lenders fits it best.

Available Loan Programs in Utah

Conventional

As little as 3% down, for purchase or refinance.

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FHA

Government-backed, 3.5% down, and easier on credit. A common first-time buyer loan.

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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 more for self-employed borrowers and investors.

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HELOC / HELoan

Tap your home equity with a line of credit or a fixed-rate home equity loan.

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments from age 55 on select programs (62 for the FHA-insured HECM); you still pay property taxes, homeowners insurance, and upkeep.

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Commercial

Loans for commercial, mixed-use, and business real estate.

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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

Buying your first home, step by step from pre-approval to closing.

Should You Refinance in 2026?

How to tell if a refinance pays off, with the break-even math.

DSCR Loans Explained

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

5-Day Digital HELOC Guide

How the digital HELOC works: funding in as few as 5 business days after offer acceptance on select digital programs.

Credit Score Myths for Homebuyers

The 5 credit score myths that keep people from buying.

Frequently Asked Questions

Straight answers on loan programs, credit, and applying.

Frequently Asked Questions

What are the conforming loan limits in Utah?

Most Utah counties, including those along the Wasatch Front, follow the standard conforming loan limit of $832,750 for 2026. A few counties carry higher limits, led by Summit and Wasatch counties (the Park City area) at $1,150,000. Loans above the applicable limit require jumbo financing.

Does Utah have first-time homebuyer programs?

Yes. The Utah Housing Corporation (UHC) offers the FirstHome Loan with down payment assistance and the Score Loan for borrowers with lower credit scores. Both can be combined with FHA, VA, or conventional financing.

Can I get a conventional loan in Utah?

Yes. Conventional is the most common loan along the Wasatch Front and in Utah's growing towns. Down payments start as low as 3%, which works well in this 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). I work with borrowers from Salt Lake City to St. George, and I shop 100+ wholesale lenders for you.

Is Utah a good state for real estate investment?

Utah's population growth, tech hiring, and tight housing supply have drawn plenty of investors. Rental demand is strong along the Wasatch Front. I do DSCR loans and conventional investment property loans for investors building a portfolio here.

Ready to Get Started in Utah?

Tell me what you're trying to do in Utahand I'll shop it across 100+ lenders. Apply online or grab a time to talk.

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