Today’s Rate

3.500% Fixed | APR 4.634%

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



Need help or have a question?Call (866) 953-4653

Pay Nothing Out of Pocket

At Golden Oak Lending, we never ask for your credit card.
We will let you know right away if we can save you money.
There is no charge…the call is free.

The Appraisal is No Charge if We Can’t Close Your Loan

We take the risk for you. If an appraisal is needed, you never have to worry about paying for it if you’re not approved. If we can’t close your loan, the appraisal is no charge.

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, college expenses, etc.

Consider this email as recognition of outstanding service for helping our crazy, busy family with a refinance. From the beginning of the process, you were courteous and professional. You took care of every question, phone call, email and text this skeptic produced.

– Heidi

I am writing to compliment your firm on helping us obtain a mortgage. You were professional, diligent and very patient with us in a somewhat complicated process. If I learn of someone who needs a mortgage, I will not hesitate to recommend Golden Oak Lending.

– Winston

I called the other lending companies and got the run around. Golden Oak Lending gave me very specific answers and they treated me like a friend, as if they had a personal interest in my success. The process was simple and I really felt I made the right choice. If you’re looking to buy or refinance a home, I would recommend Golden Oak Lending!

– Melissa

Choose Your Market…

St. Louis

(314) 567-4653


(724) 799-4653

Kansas City

(913) 890-4653


(866) 953-4653


(866) 953-4653


(503) 455-4653


(866) 953-4653


(866) 953-4653