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Take the Oz Challenge

Close in 15 days
or less

Don't let the loan approval
process hold you back

If you’re in the market for a new home, allow Oz Lending to offer you an approval as good as cash.

First Time
Home buyer?

Fill out our quick loan application and one of our seasoned loan officers will get in touch to walk you step by step in buying your first home!

Need to refinance a current home loan?

Our hands-on approach and extensive connections give us a unique ability to find the best loan possible for you and your family! Take our quick loan application and see what Oz Lending can do for you!

Get the Home You Deserve!

Oz Lending has access to the best loan programs available, including Conventional, FHA, VA, Construction, Jumbo, and even Specialty Programs like Bank Statement Programs. By providing more options than the industry standard, our borrowers have more loan options to fit your unique situation, which in turn gets you in the home you deserve!

Get Approved Fast!

Buying a home can be stressful. Oz Lending wants to ensure that you have a smooth and stress-free home buying process. Once you get approved, rest assured that we will do our best to take care of the rest. We pride ourselves in having a knowledgeable in-house team of professionals that consists of amazing loan officers, underwriters, closers, processors, and loan officer assistants. Our team works around the clock to get your loan done right and fast!

Technology +
People

“There is no place like home” is not just our mantra but why the Oz Lending Advantage App was developed. We wanted the client to be able to be at home and able to make the process of securing a home loan an incredible and easy experience. From Phone to Loan, Oz Lending is committed to simplifying the home buying and lending process. This app connects you with mortgage tools into an Allin-One easy-to-use interface, allowing you and your Realtor to receive real-time notifications about your home loan. Also, the ability to complete the entire loan process from your mobile device.

We are trusted by thousands

5/5
“Process was remarkably easy and fast. Best mortgage/refi experience we have ever had. No hassles and excellent customer service! We will definitely recommend them to our friends and family.”
5/5

5

“Great service, two week turn around on 400k loan!”
5/5
“Great and innovative team that knows how to close deals. I’d use them based off all of my experiences of working with them and seeing how satisfied their clients are.”

Oz Lending Loan Process

Connection

Starting with an in-depth conversation allows us to get a better understanding of your specific needs. By making this connection we'll be able to tailor your experience so that it's just right for you.

Connection

Starting with an in-depth conversation allows us to get a better understanding of your specific needs. By making this connection we'll be able to tailor your experience so that it's just right for you.

Application

Through your application, we are able to learn even more about your specific circumstances. This helps us to keep things moving with your loan process. We will even be able to give you a better idea of what you're able to spend on your new home.

Documentation

We’ll need your help on this part. Certain documents are critical to have in order to keep your home loan moving. Please provide these as quickly as possible when the request comes through to avoid delays. If you’re unsure about a request, your Loan Wizard comes in handy and can help guide you through.

Documentation

We’ll need your help on this part. Certain documents are critical to have in order to keep your home loan moving. Please provide these as quickly as possible when the request comes through to avoid delays. If you’re unsure about a request, your Loan Wizard comes in handy and can help guide you through.

Pre-Approval/
Fast Pass Approval

We have two great options for Underwriting. We can approve you for a loan prior to even getting a contract on a home which is our “Fast Pass” Program. That will allow you to show an “Approval Letter” to the Sellers instead of just a “PreApproval Letter". That option gives you a lot better chance to win an offer and makes it to where we just need an Appraisal and Title work.

Option 2 is UpFront Underwriting, to where we take your documents/loan application and get your loan into underwriting within 24 hours on average and issue an approval on the loan. This option is needed if you apply and get a contract to purchase a home within the same day of us issuing you the PreApproval Letter. Most mortgage companies do not submit your loan to Underwriting until 2 to 3 weeks into the process, so you really don’t know till then if your loan is truly approved. We take the guesswork out of it.

Pre-Approval/
Fast Pass Approval

We have two great options for Underwriting. We can approve you for a loan prior to even getting a contract on a home which is our “Fast Pass” Program. That will allow you to show an “Approval Letter” to the Sellers instead of just a “PreApproval Letter". That option gives you a lot better chance to win an offer and makes it to where we just need an Appraisal and Title work.

Option 2 is UpFront Underwriting, to where we take your documents/loan application and get your loan into underwriting within 24 hours on average and issue an approval on the loan. This option is needed if you apply and get a contract to purchase a home within the same day of us issuing you the PreApproval Letter. Most mortgage companies do not submit your loan to Underwriting until 2 to 3 weeks into the process, so you really don’t know till then if your loan is truly approved. We take the guesswork out of it.

Inspection & Appraisal

These are key components of buying a home, as well as financing one. We'll work hard to get these items scheduled and rolling as soon as possible.

Processing

Your Oz Lending Processor is part of the team that will get you to closing on time. They'll work closely with you and your Loan Wizard to ensure everything needed for approval has been collected and you are prepared for closing!

Processing

Your Oz Lending Processor is part of the team that will get you to closing on time. They'll work closely with you and your Loan Wizard to ensure everything needed for approval has been collected and you are prepared for closing!

Final Approval Issued

All final conditions are cleared by the underwriter that you have sent in or uploaded. Then the Final Stamp of Approval is done and you are ready for Closing…

Closing

Each step before this is taken so that you're completely prepared for your closing. We'll work with the Closing Attorney to let you know the exact amount you can expect to bring, as well as where to go and when. Once all the paperwork is signed, you'll walk away from the closing a happy homeowner!

Closing

Each step before this is taken so that you're completely prepared for your closing. We'll work with the Closing Attorney to let you know the exact amount you can expect to bring, as well as where to go and when. Once all the paperwork is signed, you'll walk away from the closing a happy homeowner!

Ready for the next step

Let’s Talk.

Whether it’s refinancing, buying a new home, building a home, or applying for home equity loans or second mortgages; we have an experienced, around the clock, qualified team of accessible “Wizards” who are with you every step of the homeownership process.

2805 Dallas Pkwy,
Suite 150
Plano, TX 75093
NMLS ID 1124061

Copyright 2021. All Rights Reserved. NMLS ID#: 2140754.  Oz Lending, DBA of Lower, LLC is actively licensed in TX, AZ, AR, CA, FL, IA, LA, MD, MA, NC, OH, OK, PA, SC, TN, VA.  Lower is an Equal Housing Opportunity Lender. Company NMLS ID#: 1124061 www.nmlsconsumeraccess.org.

Please visit www.homeside.com/license for Lower’s State Licensing Information and www.homeside.com/privacy to view Lower’s privacy policy. All loan applications are subject to underwriting and approval. Any loan programs, terms, and conditions discussed herein are subject to change without notice. Restrictions may apply, call 888-826-2710 for complete loan details http://www.homeside.com/privacy

Oz Lending

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