Golden Mortgage
FOR ALL YOUR MORTGAGE NEEDS | EXPERT MORTGAGE BROKERS
PURCHASE A HOME
Choosing the right home for you and your loved ones is a big decision, and there is no way that you can completely control or beat the market. However, understanding the seasonal swings (and having a little patience) can often reward you with big savings. If you want to be sure that you are ready to buy when your dream home hits the market, Call us and let’s Get Started with Pre-Approval Process Today.
REFINANCE
If you are looking to lower your current interest rate or if you are looking to consolidate debts or obtain cash from your equity, it may be a good idea to refinance.
CUSTOMER CARE
We pride ourselves on exceeding our customers’ expectations in finding the best rates, service, and options for a home loan that’s right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and Golden Mortgage will work with you to form a loan that is exclusively for you. Our gold is your goal to own a home.
Golden Mortgage is your one-stop solution to mortgage – from decision making to closing.
+Years Experience
+Mortgages
+Refinances
Find the right loan for you
Golden Mortgage is committed to finding the perfect loan option to meet your specific needs. We offer everything from VA loans, reverse mortgages, FHA loans, convential loans, HARP 2.0, manufactured home loans, USDA loans, and more.
fixed vs adjustable rate
One of the first choices you will need to make in the mortgage process is whether you want a fixed-rate or an adjustable-rate mortgage loan. The bulk of loans will fit into one of these two categories. However, there is a third option that will allow you to “hybrid” the two.
6 EASY STEPS
1. APPLICATIOn
You provide your broker with the most basic and essential information that he/she needs to start shopping for you.
(On your first visit, first phone call or through our online application if you wish)
2. CREDIT REPORT
Your broker pulls your credit report with the results from three major credit bureaus, using the middle score and throwing the high and the low scores.
(Typically on your first visit or first phone call, once your SS# is provided)
3. LOAN PROGRAM
Your broker review with you all available loan programs and help you decide what is best for you.
(Typically within 1 day from your application.)
4. DOCUMENTATION
We provide you with a list of documentation. For example, bank statements, paycheck stubs, W-2’s, tax returns. Your loan officer (broker) will review the types of documents you will need to provide to us based on your chosen loan program.
(Typically within 1-2 days from application)
5. PROCESSING AND UNDERWRITINGs
Your lender verifies your documentation and that your loan meets all loan program guidelines. Additional documentation might be asked for at this stage as well.
(Typically takes 2-6 weeks)
6. APPROVAL AND CLOSING
Once you’re approved, we set a closing date where you will sign closing documents.(Typically takes 1 week)