USDA loans are government-backed loans available to homebuyers in rural areas nationwide. With flexible requirements such as competitive interest rates and 100% financing, USDA loans are the perfect option for St. Louis residents looking to purchase homes in many of the suburban and rural areas surrounding St. Louis.
USDA Loans with Golden Oak
With many eligible St. Louis homes in both suburban and rural areas, our loan experts can help you determine whether your potential home qualifies you to take advantage of the USDA loan's many financial benefits. We will work with you every step of way to make sure you can buy the home you have always wanted. Call or contact Golden Oak Lending St. Louis 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
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
Advantages of USDA Loans
- Low Income Homeowners Are Welcome USDA loans have many qualification requirements that are perfect for lower and middle-income homeowners. With no minimum employment history as long as there is stable income, these loans are an attractive option for self-employed St. Louis residents. Also, with higher debt ratios and average credit scores allowed, many recent college graduates and recently employed individuals qualify for a USDA loan.
- Zero Down Payment For St. Louis residents with limited cash on hand, a USDA loan offers no down payments and 100% financing.
- Low Interest Rates Regardless of whether you put a down payment on a home, a USDA loan provides homeowners with a low interest rate for both 15-year and 30-year mortgages.
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."