Loans - Oz Lending

Down Payment Assistance

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.

woman on floor buying a new home

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 the application we're able to learn even more about your specific circumstances; that will help us to keep things moving with your loan process. We'll 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.

man on couch buying a new home

Contract Executed (or) TBD Underwriting

We have an option pre-approve you and get you ready for an execuatable contract on your new home prior to finalizing all the steps required for full approval. This can help you to get your offer in fast and ensure you don't miss out!

Contract Executed (or) TBD Underwriting

We have an option pre-approve you and get you ready for an execuatable contract on your new home prior to finalizing all the steps required for full approval. This can help you to get your offer in fast and ensure you don't miss out!

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.

Undewritting

Next comes the Underwriter! They'll conduct a super thorough review of your loan and request conditions. Your loan wizard will work with you to get these items resolved and keep the file moving right along.

Undewritting

Next comes the Underwriter! They'll conduct a super thorough review of your loan and request conditions. Your loan wizard will work with you to get these items resolved and keep the file moving right along.

Processing

Your Oz Lending Processor is part of your 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.

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 table 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 table a happy homeowner!

Get Approved Fast
Testimonials

What Clients Are Saying

5/5
“Chuck and his team were always answering questions around the clock. During closing I was told by the title company that my closing process was one of the few closings that had been going very smooth.”
5/5
“As a first time homeowner, Bruce and his team made me very comfortable. You hear all the horrible horror stories about home purchases and loan approval. I was terrified going in. I was very wrong! Bruce and his team answered all and I mean all of my questions. I highly recommend Bruce!”
5/5
“Barry is the supreme educator for homebuyers. He is very knowledgable and provides relevant and timely advice. Even when there were challenges to obtaining a mortgage, he continued to provide guidance, education and support.”
5/5
“Bruce Cline restored my faith in ever finding great customer service again! Remember when people always responded in a timely manner? Well, Bruce Cline still delivers. He answers all questions quickly and courteously. During our refinance process, he did everything he could to get us to closing in less than 4 weeks! His personal courteous responsiveness is what makes him the best! A sincere thank you to Bruce and his team.”
5/5
“He was great to work with very easygoing and explained everything in terms I could understand. I will recommend him to all my friends and family buying homes.”
5/5
“Great experience with Oz Lending. Would recommend them for your home loan needs. Made the process easy and got to our closing on time.”
5/5
“Excellent experience and direction throughout the entire process. Great job by the whole oz lending team!!!”
5/5
“Bruce served our mortgage needs like a true professional. From his initial phone contact through loan closing, his personable approach and attention to detail gave us the comforting assurance that we were in good hands. He patiently walked us through the large amount of information gathering and complex documents associated with a home mortgage application. Bruce was consistently courteous, prompt, and thorough, even making himself available after business hours. My wife and I would strongly recommend Bruce Cline as a loan officer to anyone considering a home mortgage loan.”
5/5
“I would definitely recommend Cynthia Guerra and her team to my family and friends. I closed within 31 days of my loan application. I had to get my home refinanced ASAP, Cynthia and her team made it happen for me. They were kind, patient, and very helpful throughout the whole process. “

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.

3009 112th Ave NE
Suite 200
Bellevue, WA 98004

NMLS ID 27830

Axia Home Loans does not represent HUD or FHA and the information provided here was not authored, approved, or endorsed by HUD or FHA. Axia Home Loans is the sole author and originator of this information. An FHA home loan is a mortgage originated by a lender that is insured by the Federal Housing Administration. Our business services or products do not originate from HUD or FHA

Copyright © 2024 – Axia Home Loans is a registered trade name of Axia Financial, LLC – NMLS# 27830, 3009 112th Ave NE, Suite 200, Bellevue, WA 98004