Mortgage Broker Asheville NC

Mortgages Don't Have To Be Confusing

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 8 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.

Among Our Lenders:

More Loan Options At Better Rates

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We Take The Guesswork Out & Help You Compare Rates

YOUR MORTGAGE RESOURCES

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frequently asked questions for mortgages

We offer all home mortgage loans, including FHA (Federal Housing Administration), VA (Veterans), Conventional (FannieMae and Freddie Mac), USDA (Rural Development), and Renovation Loans (FHA 203K and Fannie Mae HomeStyle). Getting Pre-qualified for a mortgage only takes a few minutes and is only a click or a phone call away, click below to get started now, one of our experienced loan originators is ready to assist you today.

Call us anytime to find out for yourself why Lucid Lending is the go-to Mortgage broker here in Asheville NC. When it comes down to getting your loan closed fast and with the best interest rate, Lucid Lending should be your first call.

EXPERTISE

How we can be useful for you

Not Sure What Type Of Loan You Need?

We understand that not all people are in the same financial position. We assess the whole picture with every client to show their best foot forward to our Lenders.

So you’re ready to buy a home? Are you a first time home buyer? Maybe you’re ready to buy a vacation home. Or are you a seasoned investor looking to mortgage a new rental property? No matter what your purchase needs are, you’re in good hands. Here’s an intro into types of loans:

Conventional Home Loan

When the majority of people imagine a mortgage, they are actually thinking about a conventional home loan. The conventional loan is the closest one can get to the “standard” mortgage. These loans are not associated with any special eligibility requirements, and just about all mortgage lenders provide them.Read More »

FHA Home Loan

An FHA Loan is a type of mortgage that is insured by the Federal Housing Administration. FHA insurance provides mortgage lenders with protection, which allows those lenders to offer loans with low down-payments (beginning at just 3.5%, easier credit requirements, and below-average interest rates).Read More »

FHA 203K Loan

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.Read More »

VA Home Loan

For those that qualify, the VA Loan Program is rated as the most cost-effective mortgage. VA loans are backed and supported by the U.S. Department of Veteran Affairs and designed to assist veterans, active-duty military, and a few other select groups to own their own homes at an incredibly affordable cost.

USDA Loan

USDA home loans are mortgages provided by the U.S. Department of Agriculture for eligible rural homebuyers as part of the USDA Rural Development Guaranteed Housing Loan Program.Read More »

Investment/Rental Mortgage

It is possible to make a lot of money with investment and rental properties even though the mortgage rates on these properties are higher than standard rates. Even though you’ll face higher rates, it is still a great idea to invest in real estate for the long term.Read More »

Looking To Buy?

HOW MUCH CAN YOU AFFORD?

Know exactly what you can afford before you start searching for a home.

Time To Refi?

FIND OUT HOW MUCH YOU'D SAVE!

Are you ready to move to reap the rewards of that investment or lower your monthly payment?

Real Estate Investment?

SECOND OR VACATION HOME MORTGAGE

Getting a mortgage on a second home or vacation property.

Reviews

What our clients have to say about Lucid Lending.
Ryan M
Ryan M
2024-03-21
I recently had a fantastic experience with Lucid Lending! They offered very competitive interest rates, better than other large and medium-sized companies I considered. Plus, Matt was incredibly responsive and easy to work with. He was able to expedite things quickly, significantly aiding my house-buying process. I highly recommend them to anyone looking into their lending options.
Garrett Pernell
Garrett Pernell
2024-02-21
Ozzie was vey helpful during the whole process and I look forward to working with him in the future!
Sue Polston
Sue Polston
2024-01-11
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.
Mike McNerney
Mike McNerney
2023-12-26
It's all about the details, and Lucid Lending gets it. I had 101 questions, and they had 101 answers. Excellent customer service across the board. They stayed with me throughout the process and went the extra mile to be sure we closed on time. Highly recommend the Lucid Lending Team.
Beau Wilkins
Beau Wilkins
2023-12-18
Ozzie was amazing and got us the best deal I’d seen after shopping with serval lenders. Right before closing he got our interest rate down even more. Highly recommend him!
R K
R K
2023-12-13
Superior (nay decent) service is a rarity these days, regardless of your need or dollar value of your purchase. And buying a home is a stressful experience, even under the best circumstances. But a highlight of my home-buying experience was working with Ozzie. Aside from the fact that working with a Mortgage Broker is the smartest way to find the right mortgage for your circumstances, Ozzie is a top notch Broker. Not one single call to Ozzie by me, my realtor or my real estate attorney's office went unanswered. And at closing, my real estate attorney's office was shocked that ALL my paperwork was accurate, complete and received by it three days before closing, all to Ozzie's credit. As a result, closing was a breeze. And Ozzie's not just professional, he's also a thoughtful, personable man who wants his clients to succeed. If/when I purchase another property in Ozzie's territory, I will call him again. And you should to!
alex eichstadt
alex eichstadt
2023-12-09
I can’t recommend Ozzie enough. I’ve close a lot of loans over the years and it can be a stressful process. Ozzie helped alleviate that through his transparent and communicative style.
Trevor Halsey
Trevor Halsey
2023-11-15
It is an understatement to say that this a great company. Matthew was very approachable and helpful in every step of the process. He and his team went out of their way to make sure everything went smoothly and as expected with the mortgage. For a first time homebuyer, this can an intimidating venture. It is very reassuring to know that there is a local company like Lucid Lending to help make dreams come true.
Jennifer Frick
Jennifer Frick
2023-11-08
When I needed mortgage in 2018, Ozzie was referred to me by friends, and he turned out to be a good fit. He got a very good interest rate with a well-established lender. A year and a half later, at his initiative, helped me remortgage to take advantage of an even better interest rate. I've been very impressed with the depth and breadth of his knowledge of the lending business. Very recently, I reached out to him concerning line of credit possibilities, and appreciated his advice and candor on the subject. Thank you, Ozzie!!!
Annah Kirschbaum
Annah Kirschbaum
2023-11-08
Ozzy was so helpful with the entire experience. I would highly recommend him to anyone!

CONTACT

Let us find you the best mortgage rate!

OFFICE

4 Vermont Ave #3
Asheville, NC 28806

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