A2Z Home Loans

A2Z Home Loans Voted #1 Mortgage Broker in Bend 3 years running! Apply below! NMLS: 147460
A2Z NMLS: 2579289 This type of relationship must be earned.

With 20+ years of expertise and 1,100+ happy customers, Andy Zook at A2Z Home Loans finds the most competitive mortgage options for your home purchase or refi. Andy Zook NMLS 147460, A2Z Home Loans NMLS 2440932

Andy has been a mortgage professional in central Oregon since 2005, and in that time he has helped hundreds of central Oregon families make well-informed mortgage decisions. As a trusted a

dvisor to his clients, Andy believes it is essential that you and your family have accurate, comprehensive and relevant information to guide your unique mortgage decision to ensure it’s best for your family. Andy is not interested in a single transaction but rather establishing a lifelong relationship with his clients. This holistic approach is a key reason the majority of Andy’s business comes from past clients who have referred other family members and their friends to him. Andy is indeed the “A” in Arbor Mortgage Group. As one of the founders of Arbor Mortgage Group in 2007, Andy has been a driving force in building Arbor’s outstanding reputation and market presence here in central Oregon. Andy moved to central Oregon in 2003 after a successful 15-year career in high-tech sales and marketing management at a Director or Vice President level for a variety of small and mid-sized technology companies. Andy received an MBA with a concentration in finance from the University of Note Dame and a BA in Economics from Benedictine College. Andy is a self-described “economics geek” and enjoys reading and discussing various topics of the day (… you have been fore-warned). Andy enjoys almost anything his two sons like to do and is grateful that they like golf, biking, fly fishing, camping, and hiking. Trust one of the most important financial decisions to be guided by Andy Zook. Call him today at 541-420-2625.

09/09/2026

How do I even start? It is the question first-time buyers ask Andy the most.

The honest answer: start with a conversation, not an application. A quick call tells Andy what you are working with and what a realistic path looks like, well before any paperwork. From there you shop with real numbers and a lot less stress.

Thinking about your first home anywhere in Oregon? Start with the conversation.

Andy Zook NMLS-147460 | A2Z Home Loans NMLS-2440932

Here is something you do not think about until you need it: can you actually reach your lender?Andy answers calls the sa...
09/07/2026

Here is something you do not think about until you need it: can you actually reach your lender?

Andy answers calls the same day, including evenings and weekends, because that is usually when a question about your home loan actually comes up. And because he runs the process by phone and secure web, you get answers without rearranging your schedule or sitting in an office.

Responsiveness is not a flashy selling point, but after 20 years and more than 1,100 closings, it is the thing clients bring up again and again.

Andy Zook NMLS-147460 | A2Z Home Loans NMLS-2440932

09/03/2026

Big banks have big buildings, big staff, and big marketing budgets.

All of it gets paid for somewhere, and much of it ends up in the rates and fees customers are charged.

Smaller shop, fewer mouths to feed.

NMLS-147460 | NMLS-2440932

For the past four years, A2Z Home Loans has been voted the best mortgage broker by the Central Oregon community! We don'...
08/31/2026

For the past four years, A2Z Home Loans has been voted the best mortgage broker by the Central Oregon community! We don't take that lightly.

We work very hard to ensure our clients and referral partners receive honest, transparent communication.

We keep our costs to a minimum so we can offer the most competitive rates around.

You have a choice in where you get your mortgage, and we're grateful that, after 20 years, you still choose A2Z.

If you are looking to buy a home or refinance, give Andy a call and see for yourself why more Central Oregonians choose A2Z Home Loans. (541) 420-2624 or visit us online at https://www.a2zhomeloans.net/

08/26/2026

Buyers often ask whether they need a pre-approval or a pre-qualification. Truth is, they are basically the same document. The part that matters is whose name is at the bottom.

That name tells a listing agent how much vetting happened before the letter went out. Every realtor has watched a deal fall apart because the financing never came together, even with a letter in hand.

That is why Andy's name carries weight. Agents across Central Oregon know the work behind an A2Z pre-qualification, so when it lands on an offer, they take it seriously.

Andy Zook NMLS-147460 | A2Z Home Loans NMLS-2440932

One of the highlights of my summer was having my son Ryan intern with us at A2Z Home Loans.Ryan is a rising junior at th...
08/24/2026

One of the highlights of my summer was having my son Ryan intern with us at A2Z Home Loans.

Ryan is a rising junior at the University of San Diego, and he spent the summer getting a firsthand look at how the mortgage business actually works. It was a great chance for him to learn, ask questions, and see what 20 years and 1,100+ closings looks like up close.

Proud of the work you put in, Ryan.

08/20/2026

If your loan officer has a giant team behind them, someone funds all that overhead.
Hint: it is baked into your costs.

With Andy, you get Andy.

NMLS-147460 | NMLS-2440932

In this business, a referral is the highest compliment a client can pay you.Two referrals pointing the same client to us...
08/17/2026

In this business, a referral is the highest compliment a client can pay you.

Two referrals pointing the same client to us? That tells me we got it right.

Thank you, Aaron, for trusting us with your first home purchase. After 20 years and 1,100+ closings, moments like this are still the best part of the job.

08/13/2026

Central Oregon, you did it again. A2Z Home Loans has been voted Best Mortgage Broker in the Source Weekly Best of Central Oregon awards for the fourth year running.

An award that comes from the community means more than any other kind. Thank you to every client and partner who trusted us with something as big as their home.

Nothing about how we work changes. Same straight answers, same low pressure, same person from the first call to the closing table.

Our experience makes yours better.

Andy Zook NMLS-147460 | A2Z Home Loans NMLS-2440932

Address

Bend, OR
97701

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