Voted Bend’s #1 Mortgage Broker Three Years Running
For three consecutive years, Central Oregon has voted A2Z Home Loans the Best Mortgage Broker in the Source Weekly's Best of Central Oregon awards. Behind that recognition: 20 years of experience, more than 1,100 successful closings, and a straightforward approach to the home loan process.
An Independent Mortgage Broker With Access to More Options
A bank can only sell you what is on its own shelf. As an independent broker, A2Z works with dozens of wholesale lenders, which means more programs to compare and more flexibility when your situation does not fit a standard box.
That matters when rates move, when lending guidelines shift, or when one lender tightens up overnight. We shop the market for you, compare competitive options, and walk you through what each option actually means for your monthly payment, timeline, and long-term plans.
How A2Z Works With Central Oregon Homebuyers
Most clients say the same thing after closing: the process was easier than they expected. That is by design. Andy and the A2Z team handle most of the work by phone and online, so you do not have to take time off, drive across town, or sit through anything that feels like a sales pitch.
Whether you are buying your first home in Bend, moving up to a bigger place in Redmond, relocating from out of state, refinancing, or working through a more complex situation like a jumbo loan, VA loan, or self-employment income, we will walk you through every option that fits
Loan Programs We Offer in Bend, Redmond, Sisters, and Prineville
Andy Zook is a Bend, Oregon Mortgage Broker and A2Z Home Loans Founder.
Andy Zook has been originating mortgages in Central Oregon for more than two decades. That experience shows up in the details: catching problems before they hit your closing date, knowing which lender is competitive on which loan type this week, and answering your call the same day, including in the evening and on weekends.
It also shows up in the awards. Best Mortgage Broker in Central Oregon, three years running. Same community, same approach, every year.
20+ Years of Experience. 1,100+ Closings.
One Local Team
“Andy has been so easy to work with, and has made this process simple. I’ve honestly not yet met him in person – because he so respected my time that he made it easy for me to do by phone and web. Thanks, Andy!”
— COLLEEN Q.
Start Your Mortgage Application Today.
Apply online, request a quick quote, or call Andy directly at 541-420-2625. We will have a no-pressure conversation about your goals and walk you through which loan options actually make sense for your situation.
Your Questions, Answered
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A bank can only offer its own loan products. As an independent broker, A2Z compares programs from dozens of wholesale lenders, often resulting in more flexibility, more options, and a better fit for your specific financial picture.
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A2Z is based in Bend and serves homebuyers and homeowners throughout Central Oregon, including Redmond, Sisters, Prineville, and surrounding communities throughout the entire state of Oregon.
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Most A2Z clients close within 30 to 45 days, though every transaction is different. We will give you a realistic timeline up front based on your loan type, the property, and current lender turn times.
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That is where an independent broker really helps. Self-employed income, jumbo loans, recent credit events, and investment properties: the options are broader when we can compare programs across many lenders rather than one.
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The simplest first step is a quick conversation. Apply online at 2440932.my1003app.com, request a quote through this site, or call Andy at 541-420-2625.