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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!

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Testimonials

What Clients Are Saying

5/5
“Bruce with Oz Lending was absolutely amazing! From our initial introduction, until our loan was fully funded, he was all my wife could ask for in a mortgage lender. He was responsive, courteous, and a great professional. He always gave me information that I felt was trustworthy and even encouraged us to explore other lenders when we first initiated contact with him. If we ever decide to into the home purchase market again, Bruce will absolutely be our choice for mortgage lending.”
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. “
5/5
“Chuck Burton consistently went above and beyond to ensure my clients were happy. He was informative and guided my buyers through the process allowing them to feel confident and comfortable with their new home purchase.”
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.ozlending.com/license for Oz Lending’s State Licensing Information and www.ozlending.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.ozlending.com/privacy

Oz Lending

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