We Speak Mortgage®… and Love Translating it for You!
Insured by the Federal Housing Administration, FHA loans offer attractive rates and financial savings to homebuyers that may not qualify for a traditional home loan. With flexible requirements such as lower credit scores and income levels, these loans are a popular choice for first-time homeowners as well as Kansas City residents with stable employment that might not be eligible for a traditional home loan. As a growing, yet affordable, metropolitan city, Kansas City is attracting many first-time home buyers to settle down in one of the area’s newly revitalized neighborhoods or established, historic communities.
FHA Loans with Golden Oak
At our Kansas City location, our mortgage specialists understand not only the challenges and pitfalls of purchasing your first home, but also how to navigate the competitive Kansas City real estate market. Unlike other mortgage lenders, we assign our Kansas City buyers a personal loan officer to guide them through the entire loan-approval process from underwriting to closing. We are here to build a relationship with you, so call our local Overland Park office today to learn more about FHA loans.
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.
Golden Oak Lending Kansas
8595 College Boulevard, Suite 160
Overland Park, KS 66201
Phone: (913) 890-4653
Hours of Operation
Monday - Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 4:00 pm
License # MC.0001766
Advantages of FHA Loans
- Less Cash Needed With affordable closing costs and only a 3.5% down payment requirement, FHA loans are perfect for Kansas City residents with limited cash on hand. For many first-time homebuyers, FHA loans provide the flexible financial requirements needed to make their dreams of homeownership a reality.
- Loans Are Quickly Approved A big city lifestyle at a lower cost of living has made the Kansas City housing market extremely attractive and competitive, with quick-moving inventory selling within days. As a government-backed loan, FHA loans require less paperwork to gather and approve, allowing borrowers to save crucial time in qualifying for a loan in this competitive environment.
- FHA Loans Can Be Assumed For homes with an existing FHA loan, buyers have the option of assuming the previous owner’s FHA loan, allowing the new homeowners to enjoy the competitive interest rate that the FHA loan was originally obtained for.
- Accommodating Eligibility Guidelines Unlike traditional home loans, FHA loans were specifically created to make home ownership achievable for buyers with less than perfect qualifications. These loans have lower credit score requirements and flexible employment history guidelines that help more Kansas City borrowers purchase their dream home under terms that work for them.
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."