Your Local Mortgage Experts in Asheville, NC
We help you find the right loan, with less stress and more savings.
Your Local Mortgage Experts in Asheville, NC
We help you find the right loan, with less stress and more savings.
Your Local Mortgage Experts in Asheville, NC
We help you find the right loan, with less stress and more savings.
Lucid Lending's specialty
Lucid Lending's specialty
Lucid Lending's specialty
Mortgages Don’t Have To Be Overwhelming.
Local and Independent
Schedule as many strategy sessions as needed to your business
Straight Talk, No Jargon
Leverage industry-leading expertise to drive informed decisions
Handpicked Loan Options
Get customized strategies designed to with your unique goals
Quick, Reliable Communication
Make confident moves with insights backed by research & analytics.
How it works with us
How it works with us
How it works with us
We Make It Simple, Personal, and Clear Every Step of the Way.
01
We Start with a Simple Pre-Approval Letter Request
This gives us the info we need to understand your goals and show you what you qualify for.
We Start with a Simple Pre-Approval Letter Request
This gives us the info we need to understand your goals and show you what you qualify for.
We Start with a Simple Pre-Approval Letter Request
This gives us the info we need to understand your goals and show you what you qualify for.
We Shop the Right Lenders With You
We compare loan options across our network to find what fits your needs and budget.
We Shop the Right Lenders With You
We compare loan options across our network to find what fits your needs and budget.
We Shop the Right Lenders With You
We compare loan options across our network to find what fits your needs and budget.
02
03
You Close with Confidence
We handle the details and keep you updated so you can move forward without the stress.
You Close with Confidence
We handle the details and keep you updated so you can move forward without the stress.
You Close with Confidence
We handle the details and keep you updated so you can move forward without the stress.
How it works
How it works
How it works
Loan Options Preview
Find out which one of our loans best fits your needs
Find out which one of our loans best fits your needs
Conventional Loan
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
FHA Loans
Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can't get approved for private mortgage insurance should look into FHA loans.
VA Loans
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more.
USDA Loans
There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.
Refinance Loans
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home's equity.
203K Renovation Loans
Rather than getting one mortgage loan for a home purchase and a separate loan or line of credit for the renovations, you can do both together with an FHA 203k loan. This program allows you to buy and fix up a home with one affordable mortgage.
Conventional Loan
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
FHA Loans
Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can't get approved for private mortgage insurance should look into FHA loans.
VA Loans
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more.
USDA Loans
There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.
Refinance Loans
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home's equity.
203K Renovation Loans
Rather than getting one mortgage loan for a home purchase and a separate loan or line of credit for the renovations, you can do both together with an FHA 203k loan. This program allows you to buy and fix up a home with one affordable mortgage.
Conventional Loan
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
FHA Loans
Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can't get approved for private mortgage insurance should look into FHA loans.
VA Loans
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more.
USDA Loans
There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.
Refinance Loans
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home's equity.
203K Renovation Loans
Rather than getting one mortgage loan for a home purchase and a separate loan or line of credit for the renovations, you can do both together with an FHA 203k loan. This program allows you to buy and fix up a home with one affordable mortgage.
From Our Clients
From Our Clients
From Our Clients
Real Stories. Real Peace of Mind.
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
Ozzie and his team did a fantastic job! They handled my original mortgage and reached back out when it was time to refinance. Their process is streamlined and their communication is fantastic. As a real estate agent, I would highly recommend them to friends, family, and future clients. Thank you for your help, and I look forward to working with you again in the future!
Travis Alley
I highly recommend Ozzie with Lucid Lending. Ozzie helped us with the mortgage for our home and it was a great experience throughout the entire process. Ozzie’s approach is very personalized and he really goes out of his way to ensure a great experience and provides updates throughout the process. We will definitely be using him in the future for any lending needs.
Jennifer House
My first time using a mortgage broker & it won't be the last. Ozzie has been one of the best people to work with. Super responsive & professional with clear communication. He was able to get a really amazing rate that couldn't come close to beating any credit union. I will be recommending Ozzie to anyone looking for a mortgage.
Sue Polston
Ozzie at Lucid Lending helped us work out a loan for an investment property. He brings energy and versatility to the table to make it happen. He provided quick turnaround and is familiar with all aspects of the process. We will be using Lucid for the next one!
Marcus Renner
I found Ozzie’s rates very competitive, and was pleasantly surprised with how much money that he helped us save. If you’re looking for a lender who can get you a good deal and get the job done efficiently, Ozzie is a good choice.
Tesslyn Escamilla
Ozzie was fantastic to work with. Transparent at every step, worked seamlessly with the rest of my home-buying team, secured me savings at nearly every step (even when it was smaller items like fees or credits), and was very communicative and easy to work with. Thanks again Ozzie!
Ryan Bradley Simpson
Our team
Our team
Our team
Who We Are At Lucid Lending
At Lucid Lending we look forward to matching you with the best mortgage program to fit your needs. We know everyone has a different situation, some are more unique that others, and it is important that you work with someone that has the knowledge and experience of the constantly changing mortgage industry.
Based out of Asheville, NC, Lucid Lending is an independent Mortgage Broker proudly serving Asheville, North Carolina and it’s surrounding neighborhoods for over 10 years. We help borrowers navigate the home buying process by educating them on all the different programs and making the process easy to understand.
We have a variety of lenders to choose from, all with different niche programs and all have different interest rates, so when you call Lucid Lending you are shopping multiple lenders at once to make sure you are getting the best interest rate available to you.
Whether you are a first time Homebuyer or an experienced investor, purchasing or refinancing, we have the right mortgage program that will fit your needs.
We’ve partnered with:
FAQ
FAQ
FAQ
Answers to your most common questions
How do I know which loan is right for me?
What’s the first step to buying a home?
How do mortage brokers in North Carolina get compensated?
What are the current mortgage rates in North Carolina?
How can I improve my chances of getting approved for a mortgage in North Carolina?
Is Lucid Lending local to Asheville?
What is a mortgage lender and how do they differ from a bank?
What is the typical timeline for getting mortgage in North Carolina?
Are there any first time home buyer programs or incentives in North Carolina?
How do I know which loan is right for me?
What’s the first step to buying a home?
How do mortage brokers in North Carolina get compensated?
What are the current mortgage rates in North Carolina?
How can I improve my chances of getting approved for a mortgage in North Carolina?
Is Lucid Lending local to Asheville?
What is a mortgage lender and how do they differ from a bank?
What is the typical timeline for getting mortgage in North Carolina?
Are there any first time home buyer programs or incentives in North Carolina?
How do I know which loan is right for me?
What’s the first step to buying a home?
How do mortage brokers in North Carolina get compensated?
What are the current mortgage rates in North Carolina?
How can I improve my chances of getting approved for a mortgage in North Carolina?
Is Lucid Lending local to Asheville?
What is a mortgage lender and how do they differ from a bank?
What is the typical timeline for getting mortgage in North Carolina?
Are there any first time home buyer programs or incentives in North Carolina?