West Capital Lending
Randy Mathis
All States

Mortgage Broker in Wisconsin

Licensed to originate mortgages in Wisconsin (WI) 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 Wisconsin 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 Wisconsin is $806,500 for 2026.

Mortgage Lending in Wisconsin

Wisconsin offers affordable homeownership opportunities across its diverse markets, from the Milwaukee metro area and Madison's college-town energy to the scenic lakefront communities throughout the state. The state has a higher-than-average homeownership rate and strong first-time buyer programs through WHEDA. Wisconsin's stable economy, anchored by manufacturing, healthcare, and agriculture, provides consistent housing demand.

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 Wisconsin. 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 Wisconsin

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 Wisconsin?
Wisconsin follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across all counties. Wisconsin's affordable housing market means most home purchases are well within the conforming limit, providing broad access to conventional financing options.
Does Wisconsin have first-time homebuyer programs?
Yes, the Wisconsin Housing and Economic Development Authority (WHEDA) offers programs including the WHEDA Advantage Conventional and FHA loans with competitive rates, plus the Easy Close Advantage program for down payment and closing cost assistance.
Can I get a reverse mortgage in Wisconsin?
Yes, reverse mortgages (Home Equity Conversion Mortgages) are available in Wisconsin for homeowners age 62 and older. A reverse mortgage converts home equity into cash without requiring monthly mortgage payments, which can be a valuable tool for supplementing retirement income.
Is Randy Mathis licensed to lend in Wisconsin?
Yes, Randy Mathis (NMLS# 1516760) is licensed in Wisconsin through West Capital Lending. Randy serves borrowers in Milwaukee, Madison, Green Bay, and across the entire state with access to over 160 lenders for purchase, refinance, and investment loans.
What are property taxes like in Wisconsin?
Wisconsin property taxes vary by municipality and school district and are generally moderate. The state offers a School Levy Tax Credit and a Lottery and Gaming Credit that reduce property tax bills for primary residences. Understanding your local property tax rate is important because it directly impacts your monthly mortgage payment and qualification.

Ready to Get Started in Wisconsin?

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 Wisconsin.

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