OUR MISSION
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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.
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 a more 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.
One property at a time.
WHAT OUR CLIENTS SAY ABOUT MOXIE...
Jimmi Combs
Rob and his team delivered above and beyond on expectations when refinancing our first home! I enjoyed knowing I could get ahold of rob personally anytime of day or weekend to continue the process and get to the end. Moxie Mortgage will be who we refer to our friends and family.
Justin Moriki
Robert and the team are Moxie are the absolute best! They went above and beyond for us the whole process. From helping me fix things on my credit so that we could get approved to working through a couple last minute hiccups at the end. nothing but professional care and support. Highly recommended for anyone in the market for an awesome mortgage team! Much mahalos and we appreciate everything you guys did for us!
Jhanna Kanoa
Jimmi Combs
Rob and his team delivered above and beyond on expectations when refinancing our first home! I enjoyed knowing I could get ahold of rob personally anytime of day or weekend to continue the process and get to the end. Moxie Mortgage will be who we refer to our friends and family.
Justin Moriki
Robert and the team are Moxie are the absolute best! They went above and beyond for us the whole process. From helping me fix things on my credit so that we could get approved to working through a couple last minute hiccups at the end. nothing but professional care and support. Highly recommended for anyone in the market for an awesome mortgage team! Much mahalos and we appreciate everything you guys did for us!
Jhanna Kanoa
Justin Hendrickson
Moxie is simply incredible.
Robert was absolutely fantastic, and beyond helpful. He was always there to answer our questions, provide guidance, reassurance, and support whenever we needed it.
As a matter of fact... There came a point where we literally needed professional support, and he proactively took the time to reach out to someone that we could not, to keep the entire deal flowing. Because of him and his efforts, everything was a success.
Buying and selling a home at the same time is -stupidly- stressful. Robert did everything he could to walk us through the process, and ultimately? It was, indeed, Moxie, that helped myself and my partner get into our dream home. We couldn't be happier.
We truly mean it, when we say that you can count on Robert and his team to take care of you.
5 out of 5 stars for Robert, his team, and Moxie.
Reynaldo Patricio
Moxie Mortgage facilitated a remarkably seamless home-buying experience. Alex Salomons, in particular, provided exceptional service and expertise, and I would recommend their team without reservation.
Tyler Trudeau
Alex and here team at Moxie were outstanding! Very responsive and were able to get in touch with them in minutes even over the weekends!
Julia B
Gosh, where to begin?? Alex at Moxie Mortgage was an absolute GODSEND as my husband and I navigated becoming first-time home owners. She was endlessly patient with our questions, explained concepts in a way we could understand and really just instilled a trust that we were checking all our boxes. We can't say enough how grateful we are to her for everything, and just closed on our house yesterday!! We couldn't be happier. THANK YOU, ALEX!!!
Seth Gyasi
I enjoyed working with you
Tanner McCormack
Drew is absolutely amazing!!! Super straight forward and super fast with responding to questions and helping to understand documents and what was needed. I will one hundred percent recommend friends and family to go with Moxie and Drew.
Shari Grunenwald
Drew has been great to work with. We are about to close next week on our refinance. This was a very easy process. Thank you Drew!
Ribe Ninan
Robert and his team were fantastic to work with. They were extremely responsive, supportive, and helped navigate several hurdles along the way to ensure a smooth transaction for my client. Their professionalism and efficiency really stood out - they were able to get the loan closed in about 15 days, which was incredibly impressive. I truly appreciated their partnership throughout the process and look forward to working together again on future deals.
Doris Coleman
I would like to say from the very beginning of my process,My experience was so wonderful and your representative GP was so encouraging and down to earth.I felt like I had known him for many years.His professionalism and calming personality had a calming effect on my journey to sell my home of 30+ years and as a widow with some credit challenges,had lowered my self esteem about the process.He treated me as a family member being kind,but giving clear, honest instructions &imfo.Along with Cassie Biller and Jennifer,they were so wonderful (A-team).I am forever Grateful.
Justin Morris
GP Lindsay made our first-time homebuying experience as smooth and stress-free as possible. From the beginning, he guided us through every step of the process and made sure we felt confident in our decisions. He was extremely attentive to detail, responsive, and always quick to get things done.
Closing was seamless, and he truly helped my wife and I achieve our goal of becoming first-time homeowners. We’re incredibly excited for this new chapter and so grateful for all of his help along the way.
If you’re looking for someone who is knowledgeable, professional, and genuinely cares about his clients, GP is the person to call. He was awesome!
Dershil Patel
We were on a time crunch but Robert and his team were able to get everything done in record time. Highly recommend.
islander islander
Professional representation and guidance from the Moxie Mortgage team and the Keller Williams Lucido Agency. Rapid responses quick turnaround on deadlines leaving us ample time to address so many personal issues making the transition effortless. Gold stars!
Robert Kuziel
Alex met our expectations keeping us informed every step of process.
Natalie Moreno
Highly recommend the team at Moxie! They are very quick to respond and always provide solutions to any challenges I have. I know my clients are in the best hands, feeling informed and supported throughout their home purchase process.
Evan Santini
We had a great experience working with Alex and Moxie Mortgage. She made the whole process very easy and stress free. Highly recommend
Julia Santini
We recently closed on a HELOC with Moxie Mortgage and could not have been happier with the entire experience!! Our loan officer, Alex, went above and beyond to ensure a smooth and seamless process from start to finish. She was always available to answer all of our questions and walk us through each step to help us secure the best possible options. We highly recommend Alex and her team at Moxie Mortgage!!
Jennifer Dente
We had such an amazing experience working with Alex! She is the perfect combination of friendly, smart, and extremely informative. She made us feel comfortable from day one and was always quick to answer questions (and we had a lot!).
She walked us through every step, kept us updated constantly, and somehow still managed to get us a great interest rate. You can tell she truly cares about her clients and goes above and beyond. We couldn’t have asked for a better person to help us through this process!
Highly recommend! You want her on your team.
Rosemarie Cabagason
JoEllen Wallace
I can’t say enough great things about Robert and his assistant Drew. They made the entire loan process incredibly smooth and stress-free from start to finish. They were always immediately available to answer questions, explain each step clearly, and ensure everything stayed on track.
Even when an unexpected issue came up with the appraisal verbiage, Robert and Drew handled it quickly and professionally, going above and beyond to resolve the problem without delay. Their dedication, communication, and support truly made all the difference.
If you’re looking for a lending team that will guide you every step of the way and genuinely cares about making the process easy, I highly recommend Robert and Drew!
kaiini estrada
Drew and Robert is always a pleasure to work with. They have gone above and beyond what we expected. It’s also a pleasure to say that they have earned our trust and also became ohana(family). Thank you for all that you do for our family and communities.
Davspirals
The perfectionism, expertise made my process very easy. My officer Alex Solomons was on her game.
Kimi Hammonds
Robert at Moxie Mortgage was exceptional. We navigated a challenging appraisal involving an unpermitted structure on the property, and Robert handled it with skill and precision. When the buyer’s retirement funds unexpectedly became unavailable, he quickly restructured the financing, added a second loan, and coordinated down payment assistance to keep the deal on track. Calm, solution-oriented, and highly capable—exactly who you want when things get complicated.
Haley Wilson
GP Lindsay was an absolute pleasure to work with throughout my first time homebuying journey. From the very beginning, he took the time to explain every step of the process and made sure I fully understood my options. He was incredibly knowledgeable, personable, and always available whenever I had questions or needed clarification. GP made what can often be a stressful experience feel smooth and manageable, and his responsiveness and professionalism gave me a lot of confidence along the way. I truly felt supported from start to finish and would highly recommend GP to anyone looking for a reliable and trustworthy loan officer!
Aerin Kage
Did my loan through moxie for my home and closing. Everything went great, Geeper was very helpful and made the whole process easy. Will definitely use again if I ever buy another home.
Bo
Robert and Alex were fantastic to work with. They truly made our dreams come true. I don't know how they did it, but they made the impossible happen. They got us a great mortgage. The process was very easy when working with them. It was a true pleasure. Very professional, yet I know that after this experience we are friends. We live in Hawaii and hope and expect to see them when they come out here in the future.
I actually have recommended them to friends that are thinking about buying a home here in Hawaii. Although I know they service all of America.
We are so very thankful. If you are looking for a Mortgage Broker, look no further than Moxie. Robert and Alex are the best. And I have bought a lot of homes in my life. We still can't believe we live here in the most beautiful big horse ranch I ever seen.
Sincerely,
Bo Ehrig
Rich Crisafulli Keller Williams West Chester
Richard Crisafulli
Cory Peterson
GP Lindsey and team have guided me smoothly through two new home purchases and a refinance. GP is extremely knowledgeable, attentive and pleasant to work with. Highly recommend!
Cortney Pratt
Alex has been an absolute pleasure to work with during both our initial home buying process and our refinance. She is quick to respond, incredibly knowledgeable, and made the entire experience an absolute breeze, especially for us as first time homebuyers!
Ivette Garcia
Alexis helped me get a loan approved and the process was fast and easy. She is great at making things happen. I would definitely work with her again in the future if I ever needed another loan.
Alex Micco
Great experience with Drew and Moxie throughout the loan process for my client
Ethan Rhea
Done many deals with them and every time it’s a smoothest transaction it’s very easy for the buyers sellers and everyone to be able to get the deal to closing as soon as possible as well. Never had a problem with them 10/10.
Rob Barr
10/10 experience. Will only be working with Moxie on all future properties. Really incredible service!
Lisa Crowley
The easiest, most stress free process ever! Alex was absolutely amazing walking me through the mortgage process. It had been years since I bought a house and she made it an amazing experience. I would recommend Moxie Mortgage for your next mortgage.
Debbie Coppenger
Dear Alex,
Now that the initial flurry has settled and I am surrounded by boxes, furniture to put together, Christmas, and all the fun that comes with moving and settling in my new home, I wanted to write with special appreciation of you and your work to get me here!
I appreciated the incredible support I received during the difficult housing market of Reedsport OR. There are very few homes within my price range that would also meet my needs. It was your enthusiastic responsiveness every time I needed even the smallest thing that sold me on Moxie Mortgage. In addition, I appreciated your engaging personal skills that established rapport and relationship from the start. Even though there were some no's along the way, you encouraged me to know together we could do this. As I addressed medical challenges your helpfulness made all the difference.
Thank you for your knowledgeable assistance, flexibility, encouragement, and perseverance.
I sincerely thank you for everything!
Debbie Coppenger
Jenna Thomas
I absolutely loved working with Alex. Soo knowledgeable and responsive! 10/10
Ricardo Stallings
The process with Moxie Mortgage Company was easy and efficient. The online portal for updating and signing forms was very convenient, and the process was smooth from start to finish. Our loan officer, Ms. Alexandra Solomon, was helpful, knowledgeable, and always kept us updated. I highly recommend the streamlined services!
As first-time Condominium buyers, we thought the process would be simple, however we really didn't know the whole mortgage process for a condominium was different than a conventional home loan. Ms. Solomon was incredibly supportive in helping us through the hurdles then getting us from pre-approval to closing. She was very responsive, even outside of business hours, to our questions and worked closely with our realtor to get everything explained in a way we could understand. Her knowledge and guidance were outstanding, and we truly appreciated her patience and dedication. The overall experience was seamless and worry-free. Thank you for making our dream of owning a Condo on the Beach come true!
Andy Powell
Alex was personable and kind, respectful and direct. She offered the options available to us, and was quick to get any answers she didn’t have on the spot. I will go to her for my next financial need.
spencer clevenger
Robert and Drew are the highest level professionals and they continually went out of their way to be available and answer any questions whenever we had them. They always treated us with respect and made us feel like the most important customers. Throughout the entire process they treated us extremely well and working with them was not simply transactional. I know I can trust them finding the best deal for us and getting the job done. They did everything we needed and more. Robert and Drew were patient, responsive, clear, and extremely knowledgeable. I strongly recommend them to anybody looking to get a mortgage and I look forward to working with them again down the road.
Ricardo Stallings
Alex is the best! Very helpful, knowledgeable, and resourceful. She kept the process moving from start to finish. My clients were able to purchase their condo right on time and just before the holidays! I highly recommend.
Hana McKee
Rob, Alex, and Drew were fantastic to work with. We wouldn’t have been able to buy our dream house without them. It was a long process with lots of stress, as home buying is. The team at Moxie Mortgage made everything possible and walked us through the process with care. I highly recommend them!
Parker Dixon
GP was great to work with on both my first home loan and refinance. As a first-time homebuyer GP talked me through everything and made the process much easier than I had anticipated.
melody colliatie
I can’t say enough good things about our experience with Robert. Moxie is first class and treated us with respect and professionalism and got the job done! They were extremely timely and made themselves available to help whenever we had a question. Robert and Drew are honest and earned our sincere trust as they were always doing what was best for us.
Shon Lowry
We give a 5 rating for going through the process with us on 3 offers and canceled home contracts along with being helpful in answering all questions that came up and getting us through the process over several months.
And finally helping us get the mortgage needed on the home that finally met our needs.
Serge Jacques
Robert went above and beyond to help me purchase my home. From the beginning, he was professional, patient and extremely knowledgeable. He took the time to walk me through every step of the lending process, answered my questions, and made sure I always felt confident and supported.
Thanks to Robert's guidance and dedication, everything moved smoothly and closed right on time. If you're looking for someone who truly cares and delivers results, I highly recommend Robert!
Nick Bund
Great experience, guided through very thoroughly. Explained every little financial detail we had questions and concerns about. All around good experience.
Rene Garcia
Yale F. Lewis
Working with Alex Salamons of Moxie Motgage was an absolute pleasure from start to finish! Whenever we had questions, she was quick to respond and patiently walked us through every step of the process. Alex was always responsive, incredibly knowledgeable, and truly had our best interests at heart.
What really stood out was her attention to detail and ability to make a complex process feel simple and stress-free. Alex went above and beyond to find the best possible rate and made sure everything stayed on track for a smooth, on-time closing.
If you’re looking for a mortgage professional who’s not only excellent at what they do but also genuinely cares about your experience, look no further than Alex Salamons. I can’t recommend her highly enough!
Bebi Wolfe
Alex was a pleasure to work with! She was always available to answer questions despite the time difference. Her timeliness and responsiveness is greatly appreciated. 👏
Bherin Brown
Robert is great to work with! We threw him a loop and decided to close 30 days early and he was able to pull it off, all the while providing great communication and follow through. He also offered great rates for my clients compared with competitors. My client also had some issue that came up that he was able to overcome. It was a mini miracle! Highly recommend Robert and Moxie!
Saffiatu Sillah
Words cannot express how grateful I am for Alex from Moxie. She went above and beyond to ensure my mortgage was approved within an incredibly short timeframe—just 10 days!
My situation was both unique and stressful. I had been working with another lender who had already approved my loan and cleared all conditions. We were only 10 days away from closing when, out of nowhere, something unexpected happened that completely jeopardized our ability to close. We were devastated and scrambling for options.
That’s when Alex from Moxie stepped in and truly saved the day. Within 10 days, she took us from pre-approval to full approval and clear to close—all in record time. Thanks to her hard work, dedication, and expertise, we were able to close on our home as originally scheduled.
Alex achieved what seemed impossible and made it look effortless. If you’re looking for someone who delivers results and truly cares about her clients, look no further—you’re in the best hands with Alex and the Moxie team.
Thank you, Alex, and thank you to Moxie for giving her the tools and support to make this possible!
Homes And Chocolate
Exceptional Service!
Working with Robert & Moxie Mortgage was truly an outstanding experience. From start to finish, their team provided unmatched service — professional, patient, and attentive every step of the way. They took the time to explain every detail, answered all our questions, and made the entire process smooth and stress-free despite the hiccups that were outside of our control.
It’s rare to find a lender who combines deep expertise with genuine care for their clients. They were in communication throughout the entire transaction. I highly recommend Robert & Moxie Mortgage to anyone looking for top-tier service and a seamless lending experience!
Homes and Chocolate Team 🍫
K Beck
As a Real Estate Broker, I have high expectations for my vendor partners when it comes to servicing my clients. Robert Lucido and his Moxie team are among the few that have exceeded those expectations. Availability, Expertise, Quality Communication, and the best Rates - a winning combination for any Client.
Leiola Augustine
Mahalo Robert for treating us to a level of class unmatched by your competitors (not that WE would send our business anywhere else)You certainly know how to take care of your clients and Referal partners as well as create a memorable event that I’m honored to have been included in. Cheers to our $100M team goal for 2026!!!! 🥂
Carolina Frias
Working with Robert Lucido at Moxie Mortgage was an absolute game-changer. He is relentless, insanely smart, and incredibly knowledgeable—no challenge is too big, and he always finds a solution. From getting the best rates to providing hands-down top-tier service and communication, Robert goes above and beyond every step of the way.
If you want a mortgage pro who is committed to getting the absolute best outcome and makes the process seamless, Robert is the one to call. Truly unmatched!
Missy Elliott
Robert and his team at Moxie Mortgage are fantastic to work with. There are incredibly knowledgeable, think outside the box to help get the deal done and have excellent communication with agents and clients. Highly recommend!
Rose Sakai
Robert and Drew are incredible to work with! They truly go above and beyond for every client and every transaction. They’re true solution finders — ALWAYS responsive, proactive, and committed to making the process as smooth as possible. I have full trust in them and look forward to making more clients’ dreams come true together!
Aloha
Rose Sakai
John Smith
Easy, professional and well communicated throughout the process. Definitely recommend.
John Ma-e
Absolutely one of my best experiences working with this team. They made a home I thought impossible, possible. If I have to do it all over again I’d choose this team. Thank you for working with me every step of the way.
jpi96766 i
My Mortgage transaction was a very particular situation and Robert and his team handled it fantastically. Without them, I would not have been able to purchase my new home.
victor mazzio
Alex and her team at Moxie Mortgage were absolutely wonderful to work with. There were many obstacles and challenges associated with my home purchase and Alex patiently walked me through each challenge and made me feel comfortable dealing with this process and getting me in my home. I am grateful that her team including GP, and Megan had my back. Thank you Alex and team Moxie!! The best team ever!!
Emily Ruff
Alex is one of the most knowledgeable and helpful people to work with. She is an expert in finding the best loan for her clients and her commitment to getting you to the finish line is unmatched. I would highly recommend her to all of my friends and family to assist with their new home purchase!
Jeff Grunenwald
I couldn't same better things about Drew. I will recommend him to anyone I know who is looking for a mortgage. Thank you Drew!
Yolanda Philandez
I could not have asked for a more committed and dedicated Loan Officer. Drew of Moxie Mortgage took the time to understand my needs for not only an affordable mortgage but the right home. He is highly recommended to all my friends and family.
kyle ferderer
Very pleased with our experience with Drew as our LO. He was a true pro and navigated tight timelines seamlessly and made sure we were able to close ahead of schedule. In addition to securing the best rate in the market, we were impressed with his responsiveness, experience, and overall level of service.
Mary Crone
Excellent service, always there to answer questions!!!! Our realtor wasn't the best so we lost several houses and needed to get pre approval letters for a number of houses. Drew was on top of our request, he was sincere and detailed oriented. Would highly recommend and would use again!!!!
Elise Hammond
GP was great to work with. Very thorough. Kept me updated. Always pleasure to talk with.
Taylor Hull
Robert and Drew were both extremely informative and helpful throughout the whole mortgage process! They took the time to explain everything clearly and made sure I felt comfortable with each step! Their support made the experience smooth and stress-free. I really appreciated their guidance and enjoyed working with them!
Tony Glenn
Robert and his team are the absolute best!!! They got me a great rate and the process was so smooth!!! I'd recommend them to EVERYONE!!!
Matt Cordova
Working with Robert and the Moxie Mortgage team was seamless from start to finish. Clear communication, quick responses, and a true commitment to our client’s best interests made the process stress-free and efficient. Highly recommend!
Christine Kalapala-Brijbasi
We had the absolute pleasure of working with Alex from Moxie Mortgage for the purchase of our new home, and we couldn’t be happier with the experience. From the very first conversation, Alex made the process feel clear, manageable, and even exciting. They walked us through every step with patience, answered all of our questions promptly, and provided thoughtful guidance that helped us feel confident in our decisions.
Alex’s professionalism, transparency, and dedication were evident throughout; they consistently went above and beyond to secure the best rates and ensure everything moved forward smoothly. Even when timelines were tight, Alex kept us informed and calm, making what could have been a stressful process truly seamless.
If you’re looking for someone who genuinely cares about helping you achieve your homeownership goals and will treat you like more than just a transaction, we can’t recommend Alex and Moxie Mortgage enough. We’ll be working with them again in the future!
Xaviera Rosado
want to take a moment to commend Robert for his outstanding professionalism, persistence, and clear communication throughout the entire transaction process. His dedication to ensuring every step moved forward smoothly was evident from start to finish. Robert consistently went above and beyond to keep all parties informed, address any concerns promptly, and navigate challenges with a solutions-focused approach. His expertise and commitment truly elevated the experience, and it was a pleasure to work with someone so reliable and driven. Looking forward to closing more deals ! Thank you Robert!