Oxford Home Lending is a direct-to-consumer mortgage lender powered by Lower, specializing in mortgage refinance and home purchase loans. Licensed in 48 states with offices in New Albany, Ohio (Columbus) and Beachwood, Ohio (Cleveland), we serve homeowners, homebuyers, and real estate investors nationwide. Our team delivers a streamlined process, clear communication, and competitive rates across conventional, FHA, VA, USDA, and jumbo loans. We also offer rate-and-term refinance, cash-out refinance, FHA and VA streamline refinance, first-time homebuyer programs, down payment assistance, construction loans, 203k renovation loans, reverse mortgages, HELOCs, home equity loans, and 2-1 buydowns. Get pre-approved today!