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A USDA loan is a government-backed mortgage loan available to residents living in qualifying rural and suburban areas. The flexible terms and low-cost benefits of a USDA loan make it a popular choice for eligible residents. Originally intended for rural development, USDA loan qualification requirements have expanded to include many suburban areas. With these new guidelines, many Colorado residents living in the suburbs and surrounding neighborhoods can now take advantage of the savings from a USDA loan.
With a USDA loan from Golden Oak Lending, qualified Colorado buyers can enjoy homeownership with low rates, 100% financing, and no down payment. Although you may not consider many Colorado neighborhood to be "rural", there are many rural and suburban areas in the Colorado regions that qualify for a USDA loan. The personal loan experts on the Golden Oak Lending team will determine if a USDA loan is the right mortgage for you and will lead you through every step of the process. Call our team today and realize your dream of home ownership in Colorado!
Golden Oak Lending Colorado
Phone: (720) 500-4653
Hours of Operation
Monday - Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:00 pm
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Advantages of USDA Loans
- No Down Payment Necessary For Colorado homebuyers that have limited cash or would rather save it for other uses, a down payment is not necessary with a USDA loan. By financing 100% of your home, you can keep your cash on hand.
- No Income Dependency USDA loans are perfect for Colorado residents with stable but low to moderate incomes. For many people who are self-employed or work for an hourly wage, a USDA loan provides affordable terms and financing.
- Low Rates and Fees Since USDA loans are backed by the government, eligible Colorado borrowers will enjoy low fixed interest rates and fees. Even for homebuyers with less than perfect credit, USDA loans' private mortgage insurance is very reasonable and offers the option of including closing costs in the loan.
The Golden Oak Lending Difference
Unlike many other mortgage companies, Golden Oak Lending shows our Colorado borrowers our current mortgage interest rates. We constantly monitor mortgage interest rates to ensure that our offerings immediately reflect the current rate. Our personal mortgage specialists understand that in Colorado's competitive housing market, transparency and efficiency are more important than ever, so we are always up-front about our competitive rates. Our goal is always to save Colorado homeowners money!
At Golden Oak Lending, all of our loan processes, from underwriting to closing, are handled in-house. An experienced loan officer will be your personal advocate for getting you the best home loan that fits your specific financial situation. Your personal mortgage specialist is your sole point of contact for the entire process, so there is no need to retell your financial story multiple times to different individuals within the same office. At Golden Oak Lending, you have the benefit of an experienced and qualified professional to guide you through the process of finding and qualifying for the right loan that meets your unique needs. Whether you are a first-time or veteran homebuyer, Golden Oak Lending makes getting the right mortgage a stress-free and quick experience, getting you into your Colorado home as soon as possible.
Contact Us Today and See How We Can Save You Money!
Conventional Home Loans
"I can cover a down payment and am looking for a fixed rate mortgage loan."
"I currently own a home but would like to refinance my loan to improve my interest rate or adjust my mortgage terms."
"I currently own a home that has equity and would like to get cash out for updating my home or consolidating higher interest debt. (like credit cards)."
"I am interested in putting the minimum payment down on a home."
"I am looking to purchase a home and would like to shop with confidence based upon what I can afford."
"I am currently serving or have served in the U.S. military and wish to purchase a home with flexibility on down payment, mortgage insurance and credit score."
"I have excellent credit and am looking for a home loan option to help acquire a larger, more expensive home."
"I am looking to purchase a home in a rural area."
Home Equity Loan
"I have equity in my current home and would like to use its equity for larger purchases, home renovations or paying down higher interest debt."
New Home Loans
"I would like to purchase a new home and would like to learn about my borrowing options."