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

VA Loans, also known as Veterans Affairs Loans, are home loans offered exclusively to veterans and active-duty military personnel and their families. These exclusive loans can allow individuals to save hundreds to thousands of dollars on a new home purchase or home refinancing.

VA Loan Benefits

VA Loans are available in fixed-rate or adjustable-rate mortgages, providing more options to those who might need more flexible financing requirements.

  • VA Loans require no money down. Borrowers can finance up to 100 percent of a home’s value
  • VA Loans traditionally have lower mortgage payments. VA loans are an exception to Private Mortgage Insurance (PMI), so monthly payments are kept lower.
  • VA Loans have fewer restrictions and more flexibility. Because VA Loans are government-backed, there are fewer restrictions for qualifying.
  • VA Loans can be easier to refinance. The VA Streamline Refinance Loan Program allows veterans and their families to refinance at a much lower rate, with fewer fees, no appraisal and no income requirements.

Golden Oak Lending is proud to offer VA loans to those who have served this nation. But our options do not end there. We provide low-cost options at lower rates, combined with professional experience and a hassle-free mortgage process.

Veteran with gunny sack coming home to an American Flag

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5 Star Review

"I reached out to Golden Oak Lending when I was facing a setback with a different lender. Jeremiah contacted me and made sure that I would be able to move forward with my home purchase with Golden Oak Lending. The process was very quick and simple. Jeremiah guided me through the entire process."

Jeremiah T.
5 Star Review

"If your looking at Golden Oak for services I personally recommend Scott Wallace. I've done business with Scott more than once and he is sure to get you the help your looking for. He will not leave you waiting for answers or phone calls back. He definitely goes to work for you immediately."

John M.

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