West Capital Lending
Randy Mathis
All States

Mortgage Broker in Virginia

Licensed to originate mortgages in Virginia (VA) 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 Virginia 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 Virginia is Varies by county, up to $1,209,750 in high-cost areas for 2026.

Mortgage Lending in Virginia

Virginia's housing market is heavily influenced by the Washington D.C. metro area, with Northern Virginia counties like Arlington, Fairfax, and Loudoun carrying high-cost conforming loan limits. The state also has a strong military presence with numerous bases and the Pentagon, making VA loans especially common. Beyond the D.C. suburbs, Virginia offers diverse markets from the Hampton Roads area to the Shenandoah Valley and Southwest Virginia.

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 Virginia. 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 Virginia

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 Virginia?
Virginia's conforming loan limits vary significantly by county. Northern Virginia counties near Washington D.C. like Arlington, Fairfax, Loudoun, and Prince William have high-cost limits up to $1,209,750. Other counties across the state follow the standard $806,500 baseline.
Can I use a VA loan in Virginia?
Yes, VA loans are extremely popular in Virginia given the state's massive military and federal employment presence. Virginia is home to multiple military installations including the Pentagon, Naval Station Norfolk, and Joint Base Langley-Eustis. VA loans offer zero down payment and no PMI, with higher loan limits in Northern Virginia's high-cost areas.
Does Virginia have first-time homebuyer programs?
Yes, Virginia Housing (formerly VHDA) offers programs including down payment assistance grants and competitive first mortgage rates. Their programs serve first-time and repeat buyers and can be combined with FHA, VA, or conventional loans.
Is Randy Mathis licensed to lend in Virginia?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Virginia through West Capital Lending. Randy serves borrowers across the state from Northern Virginia to Hampton Roads and beyond, with access to over 160 lenders for competitive rates and programs.
What should I know about buying in Northern Virginia?
Northern Virginia has some of the highest home values on the East Coast due to proximity to Washington D.C. The high-cost conforming loan limits allow for larger conventional and VA loans without jumbo pricing. Strong employment in government, tech, and defense drives consistent demand, and the region has excellent public transportation and school systems.

Ready to Get Started in Virginia?

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 Virginia.

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