Mortgage Broker in Wyoming

Licensed to originate mortgages in Wyoming (WY) 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 Wyoming 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 Wyoming is $806,500 for 2026.

Mortgage Lending in Wyoming

Wyoming offers wide-open spaces, no state income tax, and a low overall tax burden that makes it attractive for both primary residences and investment properties. The state's housing markets range from the resort communities around Jackson Hole — among the highest-value markets in the country — to affordable communities in Cheyenne, Casper, and across the state. Wyoming's energy, tourism, and agriculture industries anchor a steady economy.

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 Wyoming. 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 Wyoming

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 Wyoming?

Wyoming follows the standard conforming loan limit of $806,500 for single-family homes in 2026 across most counties. Teton County (Jackson Hole) is a notable high-value market where many properties exceed conforming limits and require jumbo financing.

Does Wyoming have first-time homebuyer programs?

Yes, the Wyoming Community Development Authority (WCDA) offers several programs including the Standard First-Time Homebuyer Program and the Home$tretch down payment assistance program. These can be combined with FHA, VA, USDA, or conventional first mortgages.

Does Wyoming have a state income tax?

No, Wyoming does not have a state income tax, which can significantly increase your purchasing power when buying a home. Combined with low property taxes and no estate tax, Wyoming has one of the most favorable overall tax environments in the country.

Is Randy Mathis licensed to lend in Wyoming?

Yes, Randy Mathis (NMLS# 1516760) is licensed in Wyoming through Lumin Lending Inc. (NMLS# 2716106), which holds both a Wyoming Consumer Lender License and a Wyoming Mortgage Lender/Broker License. Whether you are buying your first home in Wyoming or refinancing, Randy has access to over 90 wholesale lenders to find competitive rates from Cheyenne to Casper to Jackson Hole.

Can I get a jumbo loan in Wyoming?

Yes, jumbo loans are available in Wyoming for purchases that exceed the conforming loan limit. Jackson Hole and the Teton County area frequently require jumbo financing due to elevated property values. Jumbo loans typically require higher credit scores and larger down payments but offer competitive rates for qualified borrowers.

Ready to Get Started in Wyoming?

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 Wyoming.

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