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Cash-Out Customers Save an Average of $1,114 Each Month

St. Louis Conventional Home Loans

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We Speak Mortgage®… and Love Translating it for You!

In the competitive St. Louis housing market, more than 60% of homeowners choose conventional home loans for their competitive fixed rates and speedy approval process. These loans are ideal for St. Louis residents who have a steady income and value predictable and dependable financial planning.

Home Loans with Golden Oak

At Golden Oak Lending St. Louis, our mortgage experts efficiently determine your eligibility, guide you through the conventional loan process, and lock in your mortgage interest rate. With the financial savings, you will be able to enjoy your St. Louis home in no time and for a long time! Call or contact us today.

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 Missouri

11737 Administration Drive, Suite 100
St. Louis, MO 63146

Phone: (314) 567-4653

Hours of Operation
Monday - Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 4:00pm

License #14-1686

Advantages of Conventional Home Loans
  • Fixed Interest Rates A competitive, fixed interest rate guarantees that your mortgage payments will be the same favorable amount each month.
  • Faster Approval Process Since conventional home loans are not government-backed, there is less paperwork, resulting in a smoother and quicker loan process. In a hot housing market like St. Louis, a speedy approval process could be the deciding factor in securing your new home.
  • Low Down Payment With a conventional loan’s low down payment, you can spend your extra savings on home improvements, debt consolidation, or even keep it for future use.
  • Refinancing an Existing Loan Because you will be locked into a fixed rate, conventional home loans are a good option for those St. Louis homeowners looking to refinance an existing FHA, USDA, VA, or an adjustable loan. 

Contact Us Today and See How We Can Save You Money!

"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."

"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."

"I would like to purchase a new home and would like to learn about my borrowing options."

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