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St. Louis FHA Loans

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

Federal Housing Administration Loans, commonly referred to as FHA loans, offer qualified buyers low-interest mortgage loans and a low down payment. With flexible terms and government backing, FHA loans are ideal for first-time home buyers or those who may not be approved for a traditional home mortgage. With a low cost of living and tight-knit communities, St. Louis is a perfect city for individuals or families looking to purchase their first home using the FHA loan program.

FHA Loans with Golden Oak

For first-time and qualified homeowners in St. Louis, Golden Oak Lending's mortgage experts will find the best loan option that fits your unique financial needs. With growing competition in the St. Louis housing market, our loan officer's expertise could be the crucial factor that secures you your first home. Call us today to find out whether an FHA loan is right for you.

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 FHA Loans
  • Your Credit Does Not Have to be Perfect While some loans require a high credit score to qualify for a competitive interest rates or a reasonable down payment, an FHA loan allows those with below-average credit, like first-time St. Louis home buyers or those who are self-employed, to purchase a home.
  • Accommodating Income and Debt Requirements When applying for an FHA loan, any income level is accepted, as well as higher levels of debt. This makes it the best option for prospective homeowners who are repaying student loans, auto loans, or have a high credit card balance.
  • A 3.5% Down Payment Because FHA loans are insured by the Federal Housing Administration, they offer more flexible mortgage terms. One major benefit is that the down payment required on an FHA loan is just 3.5% of the home’s purchase price, which is ideal for St. Louis residents who cannot currently finance a significant down payment.
  • Assuming an FHA Loan Buyers have the option to assume the previous homeowners’ FHA loan. Therefore, if mortgage rates rise, the new owners would enjoy the lower interest rate stipulated in the original FHA 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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