Ozzie and his team stayed on top of everything and had a high level of communication with the purchase of the property. I look forward to working with them in the future.

Ozzie and nick made possible what we thought was completely out of our reach. They were quick to respond and helped us problem solve through our unique situation. They are good navigators!

If you're looking for someone with great communication skills who is available at all times of the day to answer any question you have look no further. Ozzie and Nick were (are) amazing. They never missed a call and were quick to answer any email. They went above and beyond to help my husband and I find and secure a lender/mortgage for our first home (with the BEST rate available). Can't thank them or praise their phenomenal work ethic and collaborative efforts enough. We are definitely planning to use them in future purchases or refinancing!

Nick was very attentive and communicative throughout the entire buying process. We would gladly work with him again.

Amazing experience working with Ozzie at Lucid Lending! The whole process was so smooth from the initial phone call till after closing day. This team works hard to keep their clients happy and get them what they want. I'm so pleased I chose them as my lender.

The pairing of Nick & Ozzie at Lucid Lending were pivotal in making our first homebuying experience easy and smooth. They were immediately responsive to all of our communications. We were pre-approved quickly, and they helped guide us through the process as first-time home buyers without a hitch, finding us the best rate, providing updated disclosures and documents in a timely fashion, getting our appraisal scheduled and completed, and helping us to finalize everything to get us through to closing. I would recommend them to anyone looking to buy a home.

I strongly recommend you work with Ozzie and his team when seeking a mortgage; we had a great experience! In short: incredibly fast response time, great rates (the best rates!), ready for closing weeks in advance, and a smooth process. From that first Sunday night call in response to an email, Ozzie was consistently fast in his response - he speaks plain English and both he and Nick are so patient answering every question and explaining and re-explaining until you have a full understanding. I shopped rates and Lucid Lending offered the best rates and the fastest process. I strongly recommend this team!

As a first time home buyer, Nick was extremely helpful guiding me through the process and answering all my questions, even if I felt like they were dumb. They seamlessly worked with my agent to make sure everything was tight for due diligence and closing. I felt listened to and well-guided. So grateful for the whole experience!

Matthew Oswald moved mountains for me and my family. Our previous lender had dropped out on our loan process 24 hours before closing. We were already out of our home and living in an office space because of the catastrophe of that first closing process. Matthew handled everything and had us closed in 3 weeks, unheard of. He was unbelievable! He stayed up late, managing paperwork and working on documents for us. I don't think we would have ever closed if it wasn't for him. We hit snag after snag with the property we were buying, but Matthew (ozzie) made it all work and even called to help me calm down a few times when I was freaking out. I have recommended him to anyone I could, and will continue to as he is truly an awesome person to work with!