I'm Brandon.
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About Brandon Simmons

Born in Okinawa, Japan and raised all over the World, Texas is where he calls home. After high school he attended Texas Christian University and graduated in 2003 as well as married his college sweetheart. Brandon was a Sr. Project Engineer for an Energy Management Company for 5 years and eventually moved into Engineering Sales for Dell Inc. After 15 years in the field of technology and engineering, he transitioned into becoming a Mortgage Loan Officer and brings the same dedication/passion to make sure his clients get the best rate and excellent service.

Brandon loves spending time with his family and after 18 years of marriage, he has a running list of 'to do items' to be completed around the house. His favorite season is summer and when the weather is nice you can find him barbequing in the backyard, playing basketball/volleyball, or at a local gym cheering on his kids to compete at their highest level.

About Oz Lending: 'I love Oz Lending and everything we are about! In the Mortgage industry, you will find many companies who say that they put their customers first, but don't back it up with their actions. Oz Lending is not one of those companies and the philosophy of Oz Lending is not to simply make a profit, but rather to provide financial guidance to all clients. What I love most about Oz Lending is the true family atmosphere here …. It is something I love being a part of, and I can confidently say that The Love is Real!'

Why mortgages? 'I've always been a 'numbers guy', and I love helping people. Since I was a kid, I always knew I wanted to help people in an impactful way and had no idea that being a Loan Officer was going to be in my future. I remember, right after college, when I attempted to get pre-approved for my first home in Baton Rouge, La. I knew very little about mortgages and the loan process. The loan officer who helped me was so knowledgeable, kind, patient, and explained everything to me in a way I could understand. I promise to take that same approach to make sure your experience is a great one. Even though I worked on hundreds of loans, I understand that this may be your first loan and It is a big deal to buy a home, so it is important to have someone answer any questions you might have along the way. I enjoy being that person and hope to be that person for you someday.

In addition to purchases, I pride myself on helping my clients with refinancing their current homes, as it is a great way to relieve any pressures of debt and improve your lifestyle. My goal is to be an asset to all my clients by using mortgages to improve your financial situations and/or life.'


Brandon Simmons

Loan Originator

NMLS# 1731811

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Brandon Simmons picture
1101 Ridge Road Ste. 249
Rockwall, TX 75087
(512) 619-3807

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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me
Anytime.

Brandon Simmons

Loan Originator

NMLS# 1731811

Brandon Simmons picture
Brandon Simmons picture
Brandon Simmons picture

Brandon Simmons

Loan Originator

OZ Lending | NMLS: 1731811

Getting started is Quick & Easy

If you have any questions, I’m here for you

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