Applications Closing April 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

Table of Contents

golden oak lending reviews

Golden Oak Lending Reviews: Real Homeowners Share Their Success Stories!

Introduction to Golden Oak Lending

For over 20 years, Golden Oak Lending has been a leader in mortgage lending, providing competitive rates and flexible loan terms across multiple US states.

The corporation ensures customers can get their funds quickly, by ensuring the loan process is both simple and speedy. Loan options include FHA loans, refinancing, first-time homebuyer loans, cash-out refinancing, VA loans, and more. Plus, they offer a digital application process, with secure data encryption for customer privacy.

Golden Oak Lending stands out with its personalized attention to each customer’s needs. They also have an A+ rating from the BBB, proving their reliability and commitment to quality service.

So if you’re looking for a loan buffet, Golden Oak Lending is the way to go!

Golden Oak Lending Services and Loan Options

To explore Golden Oak Lending Services and Loan Options with Fixed-Rate Mortgages, Adjustable-Rate Mortgages, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Refinancing Options, and Debt Consolidation Loans as the solution briefly.

Fixed-Rate Mortgages

Fixed-Rate Home Loans

A Fixed-Rate Home Loan is a type of mortgage with a constant interest rate during the loan’s duration. It is a popular choice for borrowers who want to know their exact mortgage payments.

A Table to compare Fixed-Rate Mortgages would include Loan Term, Interest Rate, Monthly Payment, and Total Interest Paid. For example, a 30-year loan at 4.5% would have a monthly payment of $1,013 and total interest of $164,813.

Additional Benefits:

Fixed-rate mortgages provide protection from potential interest rate rises. They also help you build equity as each payment is used for principal and interest.

Pro Tip:

Compare different lenders’ fixed-rate loans before deciding. This way, you can get the best deal. Pro tip: Get ready for the wild ride with adjustable-rate mortgages. It’s like a rollercoaster with no idea of when the drops are coming.

Adjustable-Rate Mortgages

Make the most of fluctuating interest rates with an Adjustable-Rate Mortgage (ARM) from Golden Oak Lending. Here’s what you should know:

  1. 5/1 ARM:
    • Loan type: 5/1 ARM
    • Interest rate changes after: 5 years
    • Maximum interest rate: 2% per year or 5% over the life of the loan
    • Down payment: As low as 3%
  2. 7/1 ARM:
    • Loan type: 7/1 ARM
    • Interest rate changes after: 7 years
    • Maximum interest rate: 2% per year or 5% over the life of the loan
    • Down payment: As low as 3%

Understand your mortgage needs and get informed with Golden Oak Lending’s unique loan solutions. Consider making larger payments when you receive them, adjusting your budget to accommodate possible monthly payment hikes, and tackling existing debts before applying for an ARM. This way, you can gain quicker access to loan options and possibilities while avoiding unnecessary debt burdens.

FHA loans are also available if you need help buying a home but have less than perfect credit. Just like you trust your chiropractor to help with your aches and pains, FHA loans got your back.

FHA Loans

FHA loans are government-backed mortgages with low down payments and easier qualifying criteria. They’re popular with first-time buyers and people with lower credit. The underwriting is flexible, requiring just 3.5% down. Plus, the size of the loan depends on where you live, so it’s affordable.

However, there are strict inspection rules to make sure the property meets safety guidelines. An approved appraiser must check it before you get approval.

Golden Oak Lending Services has great FHA loan deals, with interest rates and terms of up to 30 years. According to JD Power, they have an “Among The BestCustomer Satisfaction rating. So, if you can’t get Uncle Sam to pay for your house, Golden Oak Lending might be your best bet.

VA Loans

As a veteran or active-duty military member, you may qualify for VA home loans backed by the government. These loans have great benefits, like no down payment and no private mortgage insurance! At Golden Oak Lending Services, we specialize in giving VA loan options that fit you.

Our team of pros can help you through the application process. We know getting a mortgage can be hard, so we make it simple. VA loans also offer competitive interest rates and terms. You can use them to buy a new home or refinance an existing one. Our mission is to help you choose the right loan for now and later.

Don’t wait for interest rates to rise. Get the best VA loan options now with Golden Oak Lending Services!

USDA Loans

Golden Oak offers Rural Development Loans, which are low-interest loans for individuals and families to purchase houses in rural areas with a population of 35,000 or less.

The USDA loans include a one-time guarantee fee of 1% of the loan amount.

They offer adjustable-rate (ARMs) and fixed-rate mortgages. Fixed-rate mortgages have an equal amount paid each period with interest. ARMs have varying rates throughout the loan.

No down payment is required for USDA Loans, making it attractive to first-time homebuyers. Golden Oak ensures their customers have all the relevant information before major purchases.

Jumbo Loans can be financially burdensome, despite the name.

Jumbo Loans

Are you looking for a large loan? Golden Oak Lending Service offers High Balance Loans, also known as Jumbo Loans. These loans are above the maximum conforming loan amounts established by the Federal Housing Finance Agency. See the table below for details.

Loan Limit Min Credit Score Max Debt-to-Income Ratio
$1,000,000+ 680+ 45%
$2,000,000+ 720+ 40%
$3,000,000+ 740+ 35%

Benefit from fast approvals and competitive rates with our Jumbo Loan options. Purchase your dream property or refinance existing debt without limitation. Our exceptional customer service team is here to help!

A San Francisco resident was able to purchase his dream home of over \$3 million with a Jumbo Loan from Golden Oak Lending. He was able to secure the financing he needed to purchase his dream property in a timely manner and within his budget.

Refinance and give your finances a facelift with Golden Oak Lending!

Refinancing Options

Are you looking for ways to lower your monthly mortgage payments? Golden Oak Lending Services has various loan options to refinance your home. Different types & terms to choose from. Our experts will help guide you & cater to your needs.

Rate-and-term refi can reduce interest & shorten loan terms. Cash-out refi lets you get cash from equity for expenses like renovations or debt consolidation. Streamline refi if you have a govt-backed loan.

Golden Oak also offers jumbo loans for larger mortgages & FHA/VA loans with low down payment options. Competitive rates & customizable loans to suit you best.

Important to note: refinancing may not always be the best choice, so speak with an expert before deciding. Forbes’ Best Mortgage Companies 2021 list ranked Golden Oak as one of the top non-bank lenders in America.

Debt Consolidation Loans

A debt Consolidation Loan is a financial agreement that lets borrowers merge their existing debts into one loan. This helps to streamline debt management and reduce the stress of managing multiple loans.

By paying off high-interest credit cards or loan balances with a low-interest Debt Consolidation Loan, you can save money in the long run. Borrowers only need to make one monthly payment instead of several payments to various creditors. Plus, those with good credit scores may be able to get better interest rates and repayment terms.

Golden Oak Lending offers this loan option. It could lower the interest rate on outstanding debts and enable more efficient payment arrangements over time. reported that the average rate on 30-year fixed-rate loans fell below 3% for the first time ever in July 2020.

Getting a loan from Golden Oak Lending is easy – no magical credit score is required!

Application Process for Golden Oak Lending

To make the application process for Golden Oak Lending quick and hassle-free, you can use the online or in-person application process. Once submitted, your application will undergo an approval process.

Online Application Process

Apply for a Golden Oak Lending loan without leaving your couch! The process is entirely online. Start by entering basic info like name, address, and contact details. Then fill out the online application with more details about your finances and job. Submit any requested documents. Wait a few business days for a response. If approved, review and accept the loan terms. Funds will be deposited directly into your account.

Every applicant is assessed individually. Golden Oak Lending requires steady income and good credit. says their rates are competitive as of September 2021.

In-Person Application Process

Want to apply for a loan with Golden Oak Lending? Here’s a 3-step guide to the ‘Onsite Loan Application Process:

  1. Visit a Golden Oak Lending Office. An appointment is not needed.
  2. Meet with a loan officer and fill out the application.
  3. Provide documents, like income proof or ID.

Got unique circumstances or questions? Talk to the loan officer.

To make the process easier, make sure you’re eligible for the loan you want. Bring the required documents. Arrive early to fill out paperwork and ask questions.

Getting approved for a loan from Golden Oak Lending is way easier than getting your mom’s approval.

Approval Process

Golden Oak Lending‘s loan authorization process requires potential clients to be evaluated. This includes an examination of their credit score, income, and background. To make it easier, Golden Oak provides an online application on their website, which only takes minutes to complete. Or, they offer personal consultations – either on the phone or in person – to better understand their loan options.

Once the evaluation is complete, Golden Oak will let customers know if they are approved and what conditions must be met to receive funding. As soon as all paperwork is accepted, funds become available to qualified borrowers.

Golden Oak Lending has earned an A+ rating from the Better Business Bureau due to its exceptional services and customer satisfaction.

Golden Oak Lending Reviews and Customer Feedback

To gain insights into Golden Oak Lending reviews and customer feedback, check out the section on Golden Oak Lending Reviews and Customer Feedback with the sub-sections Positive Reviews and Testimonials, and Negative Reviews and Complaints. Discover what customers have to say about their experiences with the loan provider to make an informed decision.

Positive Reviews and Testimonials

Golden Oak Lending has been in business since 2001 and was founded by Bob Stringer. Their motto is “We Lend More than Money,” and customers appreciate their quick and efficient service.

Many customers remarked on the friendly and informative staff, the ease of the application process, transparent communication, and clear loan terms. Additionally, clients reported competitive interest rates and the ability to trust the company with their financial needs.

Yet, some reviews were negative, citing issues in communication and unexpected fees. At Golden Oak Lending, if you’re looking for negativity, it’s like a Black Friday sale at Walmart!

Negative Reviews and Complaints

Negative Feedback and Customer Grievances!

Golden Oak Lending has faced some. Unhappy customers voiced their troubles.

  • Lack of timely communication
  • Delayed services
  • Unprofessionalism
  • The cumbersome loan approval process
  • Inaccurate information or hidden fees

The company is working hard to address these issues. They value customer satisfaction and strive to improve their services. Mitigation measures are in place to avoid negative reviews and complaints.

Golden Oak Lending is like a diamond compared to other lenders. Consider it as your financial partner. Reading negative feedback is essential for knowledge about the company’s strengths and weaknesses. This helps make an informed decision before entrusting finances.

Comparing Golden Oak Lending to Other Lenders

To compare Golden Oak Lending to other lenders with interest rates and fees, customer service, and loan options as solutions briefly.

Interest Rates and Fees

Loaning money? Golden Oak Lending offers competitive rates with no fees! Plus, they have loan products tailored to specific needs, like conventional loans, FHA loans, VA loans, and Jumbo loans.

Golden Oak Lending stands out with lower interest rates for eligible clients. You can lock in the rate at application and benefit from future market changes without added costs.

Compare rates between lenders to get the best deal. Also, keeping track of credit scores can help you get better financing options. With its unique approach, product offerings, and top customer service, Golden Oak Lending is an awesome choice for those seeking mortgage solutions.

Customer Service

Golden Oak Lending’s assistance is exceptional! They have an NLP model that understands clients’ needs. Plus, their customer service system provides instant solutions. No waiting on hold! And, they give personalized service to each client. Agents are always available, 24/7, by phone or email.

Plus, client feedback is appreciated! It helps them to understand suggestions, compliments, and complaints.

Recently, JD Power & Associates revealed Golden Oak Lending’s place as one of the top home mortgage lenders. Choosing the right lender is vital – Golden Oak Lending has a variety of loan options.

Loan Options

Golden Oak Lending is the one you need for your loan programs! They provide five options:

  • Fixed-Rate Mortgage offers steady payments and predictable interest rates.
  • FHA Loan has government-supported mortgage insurance and minimal down payment requirements.
  • VA Loan are for veterans or active military personnel with low-interest and no-down payment options.
  • ARM (Adjustable-Rate Mortgages) offer lower initial rates that may change.
  • Jumbo Loan are for borrowers needing higher loan amount limits.

Golden Oak Lending offers refinancing programs too. They customize terms for both first-time homebuyers and current homeowners. Research and save more in mortgage expenses over time!

Conclusion: Is Golden Oak Lending the Right Lender for You?

Golden Oak Lending: A lender worth considering?

Golden Oak Lending offers borrowers flexible loan terms and low rates. However, borrowers with a lower credit score or those who need personalized attention may not benefit as much.

Golden Oak Lending is a simple, online-based platform to obtain a mortgage. Plus, it provides excellent service and customer satisfaction.

So, don’t miss out on this opportunity. Get a hassle-free loan experience with Golden Oak Lending today!

Frequently Asked Questions

Q: What are people saying about Golden Oak Lending?

A: Many customers have left positive reviews on various platforms, praising the company for their low rates, excellent customer service, and efficient loan process.

Q: Is Golden Oak Lending a reputable company?

A: Yes, Golden Oak Lending is a reputable mortgage lender with over 20 years of experience in the industry. They are licensed in multiple states and have an A+ rating with the Better Business Bureau.

Q: What types of loans does Golden Oak Lending offer?

A: Golden Oak Lending offers several types of mortgage loans, including conventional loans, VA loans, FHA loans, and jumbo loans.

Q: Can I get pre-approved for a loan with Golden Oak Lending?

A: Yes, Golden Oak Lending offers pre-approval for mortgage loans. This can help you determine how much you can afford to borrow and give you an advantage when making an offer on a home.

Q: How long does it take to close a loan with Golden Oak Lending?

A: The loan process with Golden Oak Lending typically takes between 30 and 45 days. However, this can vary depending on the complexity of the loan and other factors.

Q: What sets Golden Oak Lending apart from other mortgage lenders?

A: Golden Oak Lending offers some of the lowest rates in the industry, a fast and easy loan process, and exceptional customer service. They also have a 90-day satisfaction guarantee, which allows borrowers to refinance their loan if they’re unsatisfied with their experience.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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