Conventional
Flexible financing for qualified buyers, including options for primary homes, second homes, and investment properties.
Clear advice. More loan choices. Personal service.
A mortgage plan built around your life.
Buying, refinancing, or investing starts with understanding your options. Zo and his team make the numbers clear and help you move forward with confidence.
Serving borrowers in Oklahoma, Texas, Colorado, and additional states through a nationwide lender network.
Start here
Three simple steps to get started.
Please complete these steps in order so Zo and the team have what they need before your Zoom call.
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1
Apply Now ↗
First step
Complete your application
Tell us about your home financing goals and provide the basic information needed to begin.
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2
Run Credit ↗
After applying
Run your credit
Use our secure credit link after you have submitted your mortgage application.
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3
Book With Zo ↗
Final step
Book your Zoom call
Choose a convenient time to review your goals, questions, and next steps with Zo.
Important: Please apply and run credit before booking your Zoom call.
Mortgage guidance without the guesswork
One conversation can open more doors.
Mortgage programs and market conditions change often. Working with an experienced broker gives you access to a broad network of lenders, flexible programs, and advice tailored to your goals.
“My business is to serve YOU! Tap in, connect, and let me know how I can help!” Zo Azubuike
About Zo Azubuike
Experienced guidance for one of life’s biggest decisions.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Because market conditions and mortgage programs change frequently, you need a knowledgeable professional who can provide quick, accurate financial guidance. Zo has the expertise to help you explore the financing options available and understand which path may work best for you.
Helping you make the right choice for you and your family is Zo’s ultimate goal. He is committed to providing mortgage service that exceeds expectations, with clear communication and personalized guidance throughout the process.
Browse the available loan programs and educational resources, then begin with three clear steps: complete the short application, run credit, and schedule a Zoom call. After you apply, Zo will review the details of your loan and connect with you to discuss your options. You may also contact him anytime by phone or email for personal service and expert advice.
Licensed in
Arizona · Arkansas · California · Colorado · Florida · Kansas · Missouri · Ohio · Oklahoma · Texas
Ways to finance
Loan options for where you are now.
Every borrower’s story is different. These are a few of the programs the team can help you explore.
FHA
A popular option with approachable down payment and credit guidelines for many first-time and repeat buyers.
VA
Powerful home financing benefits for eligible service members, veterans, and surviving spouses.
Alternative Income
Bank statement, DSCR, and other solutions for self-employed borrowers and real estate investors.
Investment Properties
Thoughtful financing options for rental properties and borrowers working toward long-term real estate goals.
Refinance
Review your current mortgage to explore payment, term, cash-out, or long-term wealth-building strategies.
HELOC
A revolving line of credit that lets qualified homeowners access available home equity for renovations, major expenses, or other financial goals.
Commercial
Financing solutions for eligible business-purpose and income-producing properties, including multifamily, office, retail, and other commercial real estate.
All In One
A first-lien mortgage and checking account strategy that applies regular income and available cash flow against the loan balance. When managed effectively, it may help reduce interest and allow a more rapid payoff in many scenarios while keeping funds accessible. Individual results depend on income, spending, rates, and account use.
Watch Zo and Michelle explain the All In One Loan ↗Program availability and qualification requirements vary. Your mortgage professional will help determine which options fit your situation.
What to expect
A steady hand from application to closing.
- Talk through your goalsShare what you want to accomplish, your timing, and the questions on your mind.
- Compare your optionsThe team reviews your information and explains the programs and numbers in plain language.
- Prepare your loanYou receive clear updates and help gathering what is needed for underwriting.
- Close with confidenceThe team stays with you through final approval, signing, and beyond the closing table.
Meet the team
People you can count on throughout your loan.
Zo’s team works together to keep your mortgage moving forward and make sure you always know what comes next.
Relationship Manager
Brittany Trowbridge
Brittany helps guide you through the loan process, keeps you informed about important milestones, and works with the lending team to make sure outstanding items are handled. She is here to answer questions, help with documents, and keep everything moving toward closing.
Loan Processor
Kami Lerch
Kami works closely with the lender and underwriting team to prepare and manage your loan file. She coordinates conditions, appraisals, and required documentation while helping move your loan from submission through final approval.
Join the team
Join Edge Home Finance and grow with Zo’s team.
Build your own mortgage business with the platform and resources of Edge Home Finance, plus the guidance of an experienced team. As team lead, Zo will serve as a mentor, helping you navigate the broker model, develop your business, and grow with support around you.
Explore the opportunity
Watch these informational videos for a closer look at Edge Home Finance, the broker model, and the support available to loan officers.
Watch the videos ▶Connect with Zo
If you are interested in joining Edge Home Finance as part of Zo’s team, tell Zo a little about yourself.
Connect with Zo ↗Google reviews
What clients and partners say.
★★★★★
“Great communication and work with you, no matter your situation.”
Daniel SigalaColorado Google review
★★★★★
“Thank you for your professionalism and customer focus to get the job done!”
Eric MosesColorado Google review
★★★★★
“Zo and his staff were very responsive to any questions I had.”
Angela RotolaOklahoma Google review
★★★★★
“His communication is top-notch, always keeping everyone informed.”
Danielle Sprik Realty GroupOklahoma Google review
Review counts and ratings verified on Google on September 11, 2026. Select a location above to read every review.
Learn more about Zo online
Helpful answers and trusted connections.
Get started
Fill Out Zo’s Mortgage Application↗ Run Credit After Applying↗ Book a Zoom Call After Running Credit↗ Read Client Reviews on Zillow↗ Read Colorado Google Reviews↗ Read Oklahoma Google Reviews↗ View Zo’s MortgageMatchup Profile↗Contact Zo
Questions? Reach out directly.
Zo is available to answer your mortgage questions and help you understand your next step.
Please do not send sensitive financial information, such as Social Security numbers or bank account details, by email or through general inquiries. Use the secure application portal when providing financial information.
Ready to begin? View the 3 steps