Own a home
with moxie .

In the wake of the COVID-19 pandemic, homeownership, one of the most powerful tools for building wealth, became increasingly difficult to attain. As interest rates climbed toward 8%, buyers saw nearly half of their purchasing power disappear, leaving many uncertain if owning a home was within reach.

After spending over seven years helping lead one of the largest real estate teams in the country, Robert Lucido Jr saw firsthand how these barriers were impacting everyday buyers. The challenge wasn’t just affordability. It was navigating a traditional lending system that often denied otherwise qualified buyers, not because they couldn’t afford a home, but because they didn’t fit neatly into traditional guidelines.

So he founded Moxie Mortgage with a simple mission: make home financing more accessible, more efficient, and more aligned with how people actually earn and live today.

The best of a direct lender and a broker

As a nationwide correspondent lender, Moxie combines the control and organization of a direct lender with the flexibility and product depth typically found in the broker channel. That means clients have access to the full spectrum of loan options (conventional, FHA, VA, USDA, and specialized non-traditional programs) all under one roof.

Whether a borrower has straightforward W-2 income or multiple complex tax returns, Moxie delivers competitive solutions without forcing clients into a one-size-fits-all box.

Better yet, with over 300 investors and no unnecessary middlemen, working with Moxie ensures you are paired with the right product, the best price, and a streamlined process that averages final approval in just 12 days.

At Moxie Mortgage, it’s not just about getting a loan approved. It’s about helping you unlock doors.