fbpx
OZ Lending is trusted by thousands

Close in 15 days
or less

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

Oz Lending uses state-of-the-art technology to make the process faster and more efficient. Our team of human “wizards” helps to make it a friendly and enjoyable process along the way. Find out why our clients are constantly bragging about our super convenient easy-to-use mobile app that is accessible 24/7 from your phone. Using the mobile app only helps to simplify the home buying and lending process even more. It even allows you to scan and upload documents right at your fingertips. Download our app today!

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.

Our goal is to make homeownership more accessible, and to help more people buy more homes.

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

Copyright 2021. All Rights Reserved. Oz Lending, dba Lower, LLC | NMLS 1124061 | 8621 Robert Fulton Drive, STE 105, Columbia, MD 21046. Lower, LLC is the true legal name for Lower and may be abbreviated as “Lower.”  Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to: acceptable current credit worthiness, income history, etc. Loan programs & options are subject to change at any time. Lower is mortgage lender and is not affiliated with, or an agent or division of a governmental agency or depository institution. | nmlsconsumeraccess.org

Oz Lending

We care about your experience. Fill in your details and we’ll contact you shortly.