Oz Lending - Brandon Simmons NMLS# 1731811

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.

Chasing the cheapest rate feels smart, until you're days from closing and your lender goes quiet, the quote "adjusts," o...
06/13/2026

Chasing the cheapest rate feels smart, until you're days from closing and your lender goes quiet, the quote "adjusts," or the deal falls apart. A blown closing can cost you the home entirely.

What actually protects you is a lender with a long track record of closing on time, a team that answers the phone, and certainty that there won't be surprises at the table. Sellers and agents trust offers backed by a lender who delivers.

For decades, that's exactly what we've done, get people to the closing table, deal after deal.
A few basis points won't matter if you lose the house. The right lender will.

Let's talk about what a smooth, certain closing actually looks like.
https://www.ozlending.com/loan-officer/brandon-simmons

Somewhere along the way, "starter home" started to feel like settling. It's not.You don't have to find the perfect home....
06/12/2026

Somewhere along the way, "starter home" started to feel like settling. It's not.

You don't have to find the perfect home. You don't have to stay there forever. You just have to start.

Your first place is a foothold, equity you build instead of rent you lose, and room to grow into whatever comes next. The pressure to get it all right the first time is the very thing keeping so many people stuck renting. So don't wait for forever. Start with a start.

Ready to take the first step? DM us "FIRST" and let's talk about what's possible.
🔗 https://www.ozlending.com/loan-officer/brandon-simmons

Somewhere along the way, "starter home" started to feel like settling. It's not.You don't have to find the perfect home....
06/12/2026

Somewhere along the way, "starter home" started to feel like settling. It's not.

You don't have to find the perfect home. You don't have to stay there forever. You just have to start.

Your first place is a foothold, equity you build instead of rent you lose, and room to grow into whatever comes next. The pressure to get it all right the first time is the very thing keeping so many people stuck renting. So don't wait for forever. Start with a start.

Ready to take the first step? DM us "FIRST" and let's talk about what's possible.
🔗 https://ozlending.com/

You don't buy a house for the house. You buy it for nights like this. ✨🍽️ Long-table dinners that stretch past sunset🎶 A...
06/10/2026

You don't buy a house for the house. You buy it for nights like this. ✨

🍽️ Long-table dinners that stretch past sunset

🎶 A backyard that hosts birthdays, cookouts, and do-nothing Sundays

🏡 A place where your people just… gather

June is National Homeownership Month, and this is what it's really about, not the paperwork, the life that happens after the keys.

Ready for a backyard of your own? DM us "GATHER" and let's get you Pre-Qualified.
🔗 https://www.ozlending.com/loan-officer/brandon-simmons

This week, the jobs market did the talking and mortgage rates listened.The latest jobs report came in stronger than expe...
06/08/2026

This week, the jobs market did the talking and mortgage rates listened.

The latest jobs report came in stronger than expected, with upward revisions to prior months reframing a labor market that had looked like it was cooling. Here's the chain reaction: resilient employment data lowers the odds of near-term Fed rate cuts, bond yields climb in response, and because mortgage rates track those yields closely, financing costs edged higher.

What it means underneath the headline:

🏦 The Fed is still widely expected to hold steady at its upcoming meeting — but the market has shifted from anticipating cuts toward pricing in the possibility of hikes later this year

🏠 On the housing side, inventory remains above year-ago levels, asking prices keep softening, and investor activity has pulled back — easing competition for everyday buyers

⚖️ The net effect: borrowing costs nudged up, but the supply-and-competition picture keeps tilting toward buyers
Rates also remain below their recent highs, and a confirmed U.S.– Iran peace deal could open the door to a move lower. The bottom line: the fundamentals are still working in buyers' favor — and the smartest move is being ready when your moment comes.

Want to know what the current market means for your buying power? Message us today:
https://www.ozlending.com/loan-officer/brandon-simmons

If you've been waiting for the housing market to give buyers a break — June is looking like your moment. Here's what's h...
06/02/2026

If you've been waiting for the housing market to give buyers a break — June is looking like your moment.

Here's what's happening as the summer market opens up:
📈 More homes to choose from — inventory is sitting above year-ago levels
💰 Listing prices have eased year-over-year for 19 straight weeks (a record stretch), with more sellers pricing realistically from day one
📊 Mortgage rates are holding in the mid-6% range — and actually lower than they were a year ago
🤝 The takeaway: less bidding-war pressure, more room to negotiate
Smart buyers use a market like this to their advantage — and it starts with knowing your number.

📩 DM us "MARKET" and let's get you Pre-Qualified before you shop.
🔗 https://www.ozlending.com/loan-officer/brandon-simmons

There's a moment, keys in your hand, the door swinging open to a space that's finally yours, that changes everything. Ju...
06/01/2026

There's a moment, keys in your hand, the door swinging open to a space that's finally yours, that changes everything.

June is National Homeownership Month, and we're spending it celebrating exactly that: the dreamers, the savers, and the soon-to-be homeowners getting closer every day.

Because owning a home means:
🏡 Putting down roots and building something lasting
💰 Monthly payments that grow your equity — not your landlord's
🎨 The freedom to make every corner truly yours
👨‍👩‍👧 A foundation your family can grow into for years to come
Your homeownership story doesn't have to wait for "someday."

Let's find out what's possible right now.
🔗 https://www.ozlending.com/loan-officer/brandon-simmons

The market found its balance and that's good news for buyers.Here's what this week's data is telling us 👇📉 30 straight w...
05/28/2026

The market found its balance and that's good news for buyers.

Here's what this week's data is telling us 👇

📉 30 straight weeks of softening prices — the longest stretch of buyer-friendly pricing we've seen in this cycle

🏡 Inventory keeps rising — more choices as sellers reengage heading into summer

📈 The caveat: mortgage rates are still hovering above 6.5%, keeping affordability tight for some buyers

The takeaway? This is a balanced market, not a frenzy, not a freeze. Steady demand, growing inventory, and 30 weeks of price relief make this one of the calmest, most navigable windows buyers have had in a long time.
If you've been waiting for things to "settle down" before making a move — they have. 🔑

DM "MARKET" for a free pre-qualification consultation
🌐 https://www.ozlending.com/loan-officer/brandon-simmons

You're closer to buying than you think. Most people delay the conversation because they assume they're "not ready yet." ...
05/26/2026

You're closer to buying than you think.

Most people delay the conversation because they assume they're "not ready yet." They're waiting until:

— They have 20% down (you don't need that)

— Their credit is perfect (it doesn't have to be)

— Rates drop (they might not, and waiting could cost you more)

— They "feel ready" (you'll never feel ready, that's the trick)

Here's the truth: most buyers find out they qualify for more than they expected — but only after they have the conversation. The "I'm not ready yet" story keeps people renting for years longer than they need to.

Talking to a lender isn't a commitment. It's a clarity check.
Want to know where you actually stand? It takes 10 minutes.

📩 DM "CLOSER" to find out where you really are
🌐 https://www.ozlending.com/loan-officer/brandon-simmons

Today, we honor the ones who never came home — so we could come home to ours. 🇺🇸For every life laid down so that ours co...
05/25/2026

Today, we honor the ones who never came home — so we could come home to ours. 🇺🇸

For every life laid down so that ours could be lived freely.

For every family who carries a name they'll never stop saying.

For every flag folded, every salute held, every grave marked with a story that ended too soon.

We remember.

Not just today. Always.

Address

1101 Ridge Road, Suite 249
Rockwall, TX
75087

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