Kahren Oxner

A Note From Kahren

With more than 25 years in the mortgage industry—and a genuine love for the work that hasn't faded—Kahren Oxner has built her career around a powerful combination of deep expertise, creative strategy, and real human connection. As the founder of One Eleven Mortgage | Powered by NEXA Lending, Kahren created the company around a simple belief: a mortgage should never feel like just another transaction. Behind every loan is a person, a family, an investment, or a dream, and they deserve an advisor who takes the time to understand where they are today and where they want to go. Part dynamic relationship builder and part self-proclaimed math nerd, Kahren earned a double major in Marketing and Finance from Western Washington University—a combination that still lets her use both sides of her brain every day. And she'll be the first to admit that coloring inside the lines has never been her strength. Her passion is solving complex financial puzzles and finding opportunities others may overlook. Kahren specializes in strategic mortgage planning, conventional, FHA and VA financing, investment properties, self-employed borrowers, unique income and asset scenarios, and creative solutions for borrowers whose stories don't always fit neatly inside the box. As an independent mortgage broker, she combines broad access to lending options with the experience to help clients determine which strategy makes the most sense for their individual goals. Kahren's impact extends well beyond her own clients. She is passionate about mentoring mortgage professionals, developing high-performing teams, speaking at industry events, and helping entrepreneurs and women grow with confidence. That same commitment to empowering others is woven into the culture of One Eleven Mortgage. Outside of mortgages, Kahren is all about connection. She loves cooking, gardening, entertaining, traveling, boating, skiing and golfing—but she's often happiest at home on the river, gathered around the fire pit with her partner, friends and family. And then there are Hank and Harper, her beloved Vizslas and longtime four-legged members of the family, who are fairly certain they're actually in charge. At the heart of everything Kahren does are two things that are non-negotiable: integrity and honesty. Whether someone is buying their first home, refinancing, investing in real estate, or navigating a complicated financial situation, her goal goes far beyond an on-time closing. It's about earning the kind of trust that turns one mortgage into a relationship for life.

"The right mortgage isn't about the lowest rate on paper — it's about the structure, strategy, and relationship that serve your goals for years to come."