Today's Mortgage Rate:

3.250% Fixed | APR 4.338%

FHA, 15-year fixed, 10% equity, qualified credit

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Achieve Your Financial Goals

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Apply for Your Mortgage in Minutes

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Learn About Home Loan Options

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Get Cash Out Through Refinance

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The Golden Oak Difference

Unlike many other mortgage companies, we show you our updated lowest mortgage rates. We are always up-front about our current interest rates, and we constantly monitor mortgage rates so that our rate immediately reflects the current rate. Our goal is to save you money, so we work to get you a great rate you can qualify for.

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Start the Application Process Today

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    Click or Call

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    No Obligation

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    No Waiting

With ZipLine Mortgage, Golden Oak Lending has streamlined our process to make getting the loan you need quicker and easier than ever. We do all the work, you save money! It takes just a few minutes to complete the application and securely upload your documents. And obtaining a loan is risk free. Pay nothing out of pocket, because if Golden Oak Lending can’t close your loan, we will pay for your appraisal.

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Choose Your Market

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Every Client's Mortgage is Unique

At Golden Oak Lending, we realize that each person has different circumstances and needs, so we look at every loan individually. We’ll help you decide on the best way to address your particular situation, by getting money out of your current home, lowering your current mortgage payment, or both! Whether you’re looking to refinance or purchase a new home, our core focus is to provide stable and informative support that helps you achieve your goals.

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Why Choose Golden Oak

At Golden Oak Lending, from the underwriting to the closing, all of our processes are done in-house. An experienced Personal Loan Officer will be your advocate for getting you the assistance you need at the lowest possible rate. Your Personal Loan Officer is your sole point of contact for the entire process, so there is no need to retell your story multiple times to different individuals. You have the benefit of an experienced and qualified professional who will guide you through the process of finding and qualifying for the right loan that meets your specific needs.

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Why Refinance?

With interest rates at an all-time low, there are a number of reasons to refinance:

  • Lower Your Mortgage Payment and/or interest rate
  • Consolidate Debt from multiple credit cards at high interest rates
  • Reduce the Term of your current loan
  • Get Cash Out of your home for the things that you need, such as major home improvements or college expenses