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Home > Financial Services > Mortgage Brokers > Golden Oak Lending
Golden Oak Lending
A Mortgage is a document that contains the details of an agreement between two parties. One of which is a borrower and the other party is a lender. The Agreement will include information like, Loan amount, Time period of the loan, Interest and the collateral on the loan which is normally the property being bought. A mortgage broker is generally a person or company whose expertise lies in the field of mortgage laws, properties available for sale, and loan procedures. They provide these services to clients for a fee which is usually a percentage of the loan or property amount.
Golden Oak Lending was founded on some simple yet powerful principles. Their company founders learned from their many years of experience that the customer wants to be treated as an equal partner in the mortgage relationship.They know that while low rates and good terms are important, equally important is a high level of customer service. They like to make things fast and easy for their customers. Their Loan Officers answer the phones themselves without the annoying menus and waiting that are so common nowadays. With 27 years of mortgage banking experience, Bob is co-founder and co-owner of Golden Oak Lending. He is responsible for all functions of the company, and is primarily involved with marketing and strategic planning.
The company offers loan programs and loan products. In that loan programs consist of Refinance , Purchase , Construction Loans , FHA & VA Loans etc. There many things to consider when refinancing your home loan. The fees associated with refinancing can add up quickly so, many mortgage companies will waive fees associated with refinancing applications and legal fees. This fee reduction can amount to large savings for the home owner but may result in a slightly higher percentage rate than expected. It is important to talk about your loan options with your loan officer. Many mortgage lenders will offer a refinance package where you refinance for more than the balance remaining on your old home loan. The costs associated with refinancing are similar to those of obtaining an original home loan and include legal fees, application fees, settlement costs, and other related fees. When refinancing additional fees will arise and they can include a fee charged if you paid off your original mortgage early, the points associated with the refinance, and the home loan interest rate. Typically the cost runs between three and six percent of the total amount of the home loan.
Golden Oak Lending focus and core commitment is providing and satisfying customers with the lowest rates and terms, offering first rate service and truly helping borrowers with their home financing needs.
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