West Capital Lending
Randy Mathis
All States

Mortgage Broker in Utah

Licensed to originate mortgages in Utah (UT) 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 Utah 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 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 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 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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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 to originate mortgages in Utah through West Capital Lending. Randy serves borrowers from Salt Lake City to St. George and everywhere in between, with access to over 160 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 the best mortgage rate from our network of 160+ lenders. Apply online or schedule a call to discuss your options in Utah.

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