Success Strategies Whitepapers Feel free to download these documents and keep them throughout the process. Or as a Realtor, save these whitepapers to prepare clients for the process of getting through a mortgage successfully. Owner/Broker Matthew "Ozzie" Oswald has led teams in mortgage lending for 15 plus years.Any mortgage complication is solvable in his capable hands. Mortgage Loan Originator John Lentini has been a real estate broker and native to Asheville. His knowledge of the locale and coinciding industries supports you through the mortgage process. Loan Application Just above this is a loan application. It's completely secure and goes only to PennFirst Mortgages. Our lenders are some of the best in the industry.Or click here to go to the Long Loan Application.