Oz Lending - Brandon Simmons NMLS# 1731811

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Rockwall, TX
Oz Lending - Brandon Simmons NMLS# 1731811

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Oz Lending - Brandon Simmons NMLS # 1731811, Mortgage brokers, 1101 Ridge Road, Suite 249, Rockwall, TX.

I have a strong and genuine belief in the “customer for life” principle of doing business: it is this passion of doing right that referrals from previous clients & real estate professionals will continue to deliver the majority of my production.

11/02/2026

Rates ended last week at their lowest point since late September.

Where things landed (national averages, Mortgage News Daily, 10/30):
• 30-yr fixed: 7.27%, down 0.06 for the week
• 15-yr fixed: 6.92%, down 0.06
• FHA: 6.90%, down 0.08
• VA: 6.91%, down 0.08
• Jumbo: 7.55%, down 0.05

On the housing side, new listings are down 1.5% from a year ago (Realtor.com) and single-family completions are down about 11% this year. Fewer homes coming to market means pricing and prep matter more than ever if you're selling, and a quick move matters if you're buying.

Rates change daily. The best way to know what today's number means for your budget is to get Pre-Qualified.

DM us UPDATE and we'll walk you through it.

10/31/2026

Happy Halloween! 🎃👻

Wishing you a night full of treats, safe trick-or-treating and the best candy on the block.

From our team to your home, have a spooky, sweet one.

10/30/2026

Trick or treat? When you're buying a home, you want the treats. 🎃

Tricks to skip:
• Surprise costs at closing
• Shopping before you know your price range
• Opening new credit before you close

Treats to grab:
• Knowing your costs upfront
• Getting Pre-Qualified first
• Keeping your credit steady until the keys are yours

Comment TREAT and we'll help you skip the tricks.
https://www.ozlending.com/loan-officer/brandon-simmons

10/29/2026

Haunted houses? Please. These are the real scares. 👻

• Rent going up. Again.
• Opening a new credit card during underwriting
• House hunting without being Pre-Qualified

The good news: all three are avoidable with a plan.

Which one scares you most? Tell us below, or visit https://www.ozlending.com/loan-officer/brandon-simmons and we'll help you skip the scary parts.

10/28/2026

Some mortgage myths are scarier than any haunted house. Let's put them to rest. 🎃

• "You need perfect credit." Many buyers qualify with less-than-perfect credit.
• "Student loans mean you can't buy." They're part of the picture, not a deal-breaker.
• "Self-employed? Forget it." It may take a few more documents, but it's very doable.
• "The lowest rate is always the best deal." Fees, terms and cash to close matter too.

Heard a myth you're not sure about? Visit https://www.ozlending.com/loan-officer/brandon-simmons and we'll tell you what's real.

10/28/2026

Today is National First Responders Day.

Thank you to the firefighters, EMTs, paramedics, police officers and dispatchers who run toward what others run from. We're grateful for you and your families.

10/26/2026

No tricks this week, just a little treat. 🎃

Mortgage rates reached their lowest level in about a month. The 30-year fixed averaged around 7.33% as of Friday, down slightly on the week, per Mortgage News Daily. That makes three straight weeks of improvement since rates peaked in early October.

What to watch this week:
• Home price and new home sales reports on Tuesday
• The Fed's rate decision on Wednesday
• Fresh inflation data on Thursday

Wondering if this is a good time to make your move? We'll walk you through it.

Source: Mortgage News Daily. Rates shown are national averages, not a quote or commitment to lend.

10/24/2026

Go ahead, zoom in. 🔍

The thing standing between you and your first home might be a lot smaller than you think. For a lot of buyers, it's simply not knowing their numbers yet.

Getting Pre-Qualified shows you:
• Your price range
• What your monthly payment could look like
• What to work on, if anything, before you buy

Comment CLOSER or visit https://www.ozlending.com/loan-officer/brandon-simmons we'll help you take the first step.

10/23/2026

Be honest. How many dream kitchens are saved in your camera roll right now? 📸

Before you screenshot another one, do this first: get Pre-Qualified.
• You'll know your real price range
• You'll stop falling for homes outside your budget
• You'll be ready to move when the right one shows up

Comment FIRST or visit https://www.ozlending.com/loan-officer/brandon-simmons and we'll help you get started.

10/22/2026

"My friend got a better rate." We hear it all the time.

Your rate is built around your situation, not theirs. It can depend on:
• Your credit history
• Your down payment
• The loan type you choose
• When you lock

Comparing rates with a friend is a little like comparing shoe sizes. We'll walk you through what shapes your rate.
https://www.ozlending.com/loan-officer/brandon-simmons

Address

1101 Ridge Road, Suite 249
Rockwall, TX
75087

Website

http://MortgageByBrandon.com/

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