Lucid Lending • NMLS #1120087

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Lucid Lending • NMLS #1120087 We offer a variety of Mortgage products to help our clients make the right decision on what path is right for them. Call us today for an initial consult.
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Based out of Asheville NC, Lucid Lending is an independent Mortgage Broker proudly serving the communities of North Carolina, Florida and Pennsylvania for over 8 years. We offer Conforming, FHA, VA, as well as Non-Conforming products to give best offers from our Lenders. We also provide HECM (Reverse Mortgages) financing products for our older clients. 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. This provides the ability to show the best offers to Borrowers from our multiple Lenders host of loan products to save time, find the best loan, and ultimate savings over loan lifetimes.

10/14/2026
💎**From "Can I actually buy a house?" to "Welcome Home."**Buying a home can feel like a big journey—but it doesn't have ...
06/09/2026

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**From "Can I actually buy a house?" to "Welcome Home."**

Buying a home can feel like a big journey—but it doesn't have to be complicated.

💎 We'll help you create a game plan.
💎 Get pre-approved and understand your buying power.
💎 Connect with a great real estate agent and find the right home.
💎 Navigate underwriting, inspections, and loan approval with confidence.
💎 Get the keys and start your next chapter.

Swipe through this guide to see exactly how the homebuying process works—from the first conversation to closing day.

In a world full of lenders, experience, communication, and local knowledge still matter.

Serving Asheville and Western North Carolina.

💎 Matthew "Ozzie" Oswald
Mortgage Loan Originator | NMLS #365644

💎 PenFirst Mortgages Company DBA Lucid Lending | NMLS #1120087

📞 828-571-0219
🌐 lucidlending.com

**Your home. Your future. Your move. Let's make it happen.**

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Address

4 Vermont Avenue Unit 3
Asheville, NC
28806

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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