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Advantages of Getting Pre-Approved for a Home Loan
May 30, 2017

Getting pre-approved for a home mortgage puts you in the driver’s seat when it comes to negotiating the price of a home. It also minimizes the risk of being denied a home loan after you find your dream home. Overall, it will save you a lot of headaches down the road.

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Effects of a hot housing market on the mortgage market
May 26, 2017

When you look at our national housing climate, the market has been hot, hot, hot, and this affects the mortgage market. How? Let’s break it down.

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Golden Oak Lending has Job Opportunites in Denver, CO
May 24, 2017

How would you like to work for a company that really cares about their customers? How about a company that promotes employee’s benefits, morale, and career growth? Our Mission Statement is the following: “Find a way to help every customer that calls in better their situation financially, while delivering the highest level of professionalism, customer … Continue reading “Golden Oak Lending has Job Opportunites in Denver, CO”

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Can I pay off my credit card debt with mortgage refinancing?
April 27, 2017

In a climate of rising home values and attractive interest rates, Golden Oak is often asked about the benefits of mortgage refinancing. Not only can you borrow against your equity, you can reduce consumer debt. Let’s talk about the upside Here’s the idea. You apply for a new mortgage, taking advantage of today’s lower rates, … Continue reading “Can I pay off my credit card debt with mortgage refinancing?”

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How quickly can I refinance after my bankruptcy?

Often homeowners want to know how quickly they can initiate a home refinance on the heels of a bankruptcy. The rules on this change, so we’ll tackle this often asked question here. Generally speaking, here’s the scoop: Chapter 7 – a minimum of two years must have elapsed since the discharge date Chapter 13 – … Continue reading “How quickly can I refinance after my bankruptcy?”

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Can I Refinance My Loan After a Bankruptcy Discharge?

Yes, once you are free and clear of your obligations, home refinancing is possible after a bankruptcy. Here we’ll discuss several factors that affect how easy the process will be and how you can position yourself so you are more attractive to lenders. Your eligibility for home refinancing depends on several factors: The type of … Continue reading “Can I Refinance My Loan After a Bankruptcy Discharge?”

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I have recently filed for bankruptcy. Can I still get a mortgage?
March 29, 2017

The short answer is yes. These days, lenders are willing to allow borrowers to get a mortgage on the heels of a bankruptcy sooner than was possible in the past. How long you have to wait depends on a few factors:

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My credit score recently changed. What does that mean for homeownership?
March 19, 2017

Let’s take a step back and discuss the significance of your credit score and what that means in terms of obtaining a home mortgage. When you decide to buy a home and approach a lender for a home mortgage, your credit history has a direct impact on the amount you’ll pay for that loan. It’s … Continue reading “My credit score recently changed. What does that mean for homeownership?”

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How do I know when to refinance my loan?
March 9, 2017

A drop in rates is the typical green light for homeowners when it comes to home refinancing. But did you know you can still improve your financial situation when rates are rising? You’ll enjoy a number of benefits from refinancing, including:

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Debt Consolidation Loans vs Maintaining a Credit Card Balance
February 22, 2017

If your debt is weighing you down, it’s not too late to start thinking about how to get out from under it. As you kick off the new year, consider a path to a brighter future with the help of Golden Oak Lending. We’ll help you put a stop to that slippery slope of paying … Continue reading “Debt Consolidation Loans vs Maintaining a Credit Card Balance”

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How will the Fed’s Increased Rates Affect Me and My Loan?
February 10, 2017

When the Federal Reserve decides to raise rates, we’re all affected by it. Recent economic projections show that interest rates will continue to be on the rise in the upcoming years. Here’s how it will impact you and your loans in key areas such as credit card interest, mortgages, and car loans. Why the increase? … Continue reading “How will the Fed’s Increased Rates Affect Me and My Loan?”

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3 Ways to take advantage of low rates in early 2017
January 30, 2017

As you prepare for the Federal Reserve to increase rates in the years to come, you may want to leverage the existing low interest rates while they last and take advantage of this unique opportunity.   1.    It’s time to act and leverage existing low interest rates    Consider your long-term goals. For example, are you … Continue reading “3 Ways to take advantage of low rates in early 2017”

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Common Myths About Mortgage Refinancing
January 29, 2017

Are you interested in lowering your interest costs and reducing the length of your loan so that you can own your home sooner? Too often, homeowners don’t take advantage of this opportunity when mortgage rates are low. Why? Here are some of the reasons: Concerned about high closing costs? – Yes, there are costs involved … Continue reading “Common Myths About Mortgage Refinancing”

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Myths of Mortgage Refinancing through HARP
January 19, 2017

Do you owe more than your home is worth? The good news is that HARP—the Home Affordable Refinance Program, a government program, has been extended through December 31, 2017. With HARP, homeowners are able to refinance when their home value has decreased. Here, Golden Oak Lending reviews the benefits and debunks common myths. Benefits of … Continue reading “Myths of Mortgage Refinancing through HARP”

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Mortgage Refinancing for Home Improvements
January 9, 2017

Home improvements are a satisfying endeavor, but what if you don’t have the cash in your pocket to tackle that long-overdue project? Golden Oak Lending has a solution. You can refinance your home loan and take cash out of your home equity. If you’ve been paying your mortgage installments, you should be in a good … Continue reading “Mortgage Refinancing for Home Improvements”

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What Does It Mean When You Refinance Your Mortgage?
December 18, 2016

Mortgages come in all shapes and sizes. Over time, as rates and your financial situation change, you have the option to change your mortgage loan terms. This is called refinancing. Home refinancing is an excellent way to reduce your monthly mortgage payment, take cash out for a home improvement project, or cancel your mortgage insurance … Continue reading “What Does It Mean When You Refinance Your Mortgage?”

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5 Tips for a Lower Mortgage Rate
December 13, 2016

Refinancing Your Home? Get A Lower Rate Using These Tips Are you interested in refinancing your mortgage? Before you begin, Golden Oak Lending recommends that you prepare your finances and then search for the most competitive rate available. This way, you’ll be well positioned to qualify when the time comes to take action. We’ve compiled … Continue reading “5 Tips for a Lower Mortgage Rate”

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10 Things That Drive Your Mortgage Rate – Part 2
November 25, 2016

Driving Mortgage Rate In our last post, we highlighted some of the factors that can affect your mortgage rate. Here we’ve added ten more to the mix that might surprise you.

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10 Things that Drive Your Mortgage Rate – Part 1
November 17, 2016

Mortgage Rates Let’s say you saw a low mortgage rate advertised and you decided to pursue it. But then you didn’t qualify. Are you wondering why? Let’s look at some of the drivers behind this. You have less than stellar credit. This is all too common. See, lenders assume you have terrific credit. If you … Continue reading “10 Things that Drive Your Mortgage Rate – Part 1”

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3 Reasons to Refinance your Mortgage
November 10, 2016

Refinancing Your Mortgage Do you want to pay off your mortgage and get out of debt faster? Or do you want to lower your monthly mortgage payment? How you answer these questions may indicate whether or not it makes sense for you to consider refinancing your home loan based on today’s low mortgage rates.

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Is it time to refinance your student loan?
October 10, 2016

Student Loan Refinancing Low interest rates are one very good reason you should consider refinancing your student loan. Another is: an improvement in your credit profile that has occurred since you graduated.

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