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About Us

Pennfirst Mortgages, NMLS # 1120087

Matthew Oswald started PennFirst Mortgages in 2014, after numerous years practicing Loan Origination in Denver, CO. Expansion into a new branch of PennFirst began in 2015 in Asheville, NC. Originally licensed in PA, Ozzie personally manages both PennFirst branches in Johnstown and Asheville, building communities in both areas he calls home.

Ozzie holds values of integrity, efficiency and accuracy, knowing PennFirst will not only meet their borrowers’ needs, but far surpass expectations of a fiduciary broker relationship. Having grown up in a small and very connected community, PennFirst brokers have appreciation for getting to know their borrowers as individuals, and share a lighthearted approach to life in both business and pleasure.

PennFirst Mortgages upholds and encourages wellness in employees’ personal lives, in company interactions and communications, and in life in general. Kayaking, yoga, swimming, running and gardening are just a few ways these values are upheld, as well sponsoring events, and making charitable donations to local non-profit groups.

We look forward to matching you with the loan product that is right for you. We offer incredibly competitive rates and points to secure you the best possible terms for your home loan. Contact us anytime and find out for yourself why PennFirst Mortgages is very quickly becoming the go-to broker business for local homebuyers.

Matthew (303.717.2243)

Matthew Ozzie Oswald, Senior Loan Officer, NMLS #365644

Matthew has paired borrowers with the best possible loan product for their unique needs for over 10 years, having been employed as a loan originator and Branch Manager for Urban Financial Group, First Mortgages, and others.  Passionate about market analytics,  Ozzie takes pride in giving accurate and timely financial advice, and educating borrowers to understand the benefits of his services towards improving their borrower status. Ozzie is focused and driven, a lover of challenge, and a lifelong learner. Happy to call both Johnstown, PA and Asheville, NC his home,  he has a great appreciation for the culture, history and land of the Appalachian mountains. His family, friends and community are all very important to him, as is his pup, Oliver Twist. Go Pens!



John (828.279.5052)

John T Lentini, Mortgage Loan Originator, NMLS #1499926

John is an Asheville area native knowledgeable about the area and market and development history. Previously a Realtor broker in Asheville, he understands the ins and outs to work well with Realtors. As a long-time resident, he has an ingrained sense of community and opportunity in Asheville.

Having run a technology warcenter onboard an USN ship, he became very well-versed in systems and protocols which apply to deeply complex mortgage lending systemization.