We Speak Mortgage®… and Love Translating it for You!
Conventional, or conforming, home loans are a popular loan option among Colorado homeowners, with the majority of homeowners choosing to finance their homes using this mortgage loan type. Unlike government-backed loans, conventional home loans have stricter eligibility requirements set by Fannie Mae and Freddie Mac guidelines but offer qualified borrowers many financial savings.
Conventional Home Loans
Since conventional home loans are not government-backed, homebuyers should choose the lender that offers the most knowledgeable mortgage specialists with the best customer service. At Golden Oak Lending, our personal loan experts are here to help you. Whether you are a first-time or veteran homeowner, we will help you find the right financing for your home that will satisfy your specific financial needs and save you the most money. Contact us today to learn about qualifying for your conventional home loan in Colorado!
Golden Oak Lending Colorado
Phone: (720) 500-4653
Hours of Operation
Monday - Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:00 pm
License #114937
We Speak Mortgage®
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Conventional Home Loans Advantages
- Competitive Fixed Rates Available with fixed or adjustable rates, conventional home loans offer many flexible term options as well, including 10-, 15-, 20-, and 30-year terms to help homeowners enjoy a lower monthly payment with choices that fit their financial needs.
- Low Down Payment With Colorado housing prices increasing each year, a low down payment can be a crucial factor in helping homeowners achieve their goal of home ownership. For homebuyers that meet certain requirements, your down payment could be as low as 5% of the purchase price.
- Higher Loan Limits Conventional loan limits can be higher than other loan options, especially in areas that support expensive home prices. With Colorado's average home price consistently exceeding the national average, conventional home loans are a great option for many Colorado homebuyers.
- Fast Approval Process Since employment and income guidelines for conventional home loans are more stringent, qualified homebuyers are quickly and easily approved. For Colorado borrowers with stable jobs, good credit, a lower debt ratio, and moderate-to-high income, conventional home loans offer a straightforward and efficient approval process that will get you in your new home quickly.
The Golden Oak Lending Difference
Unlike many other mortgage companies, Golden Oak Lending shows our Colorado borrowers our current mortgage interest rates. We constantly monitor mortgage interest rates to ensure that our offerings immediately reflect the current rate. Our personal mortgage specialists understand that in Colorado's competitive housing market, transparency and efficiency are more important than ever, so we are always up-front about our competitive rates. Our goal is always to save Colorado homeowners money!
At Golden Oak Lending, all of our loan processes, from underwriting to closing, are handled in-house. An experienced loan officer will be your personal advocate for getting you the best home loan that fits your specific financial situation. Your personal mortgage specialist is your sole point of contact for the entire process, so there is no need to retell your financial story multiple times to different individuals within the same office. At Golden Oak Lending, you have the benefit of an experienced and qualified professional to guide you through the process of finding and qualifying for the right loan that meets your unique needs. Whether you are a first-time or veteran homebuyer, Golden Oak Lending makes getting the right mortgage a stress-free and quick experience, getting you into your Colorado home as soon as possible.
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."
Mortgage Refinancing
"I currently own a home but would like to refinance my loan to improve my interest rate or adjust my mortgage terms."
Cash-Out Loans
"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)."
FHA Loans
"I am interested in putting the minimum payment down on a home."
Get Pre-Approved
"I am looking to purchase a home and would like to shop with confidence based upon what I can afford."
VA Loans
"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."
Jumbo Loans
"I have excellent credit and am looking for a home loan option to help acquire a larger, more expensive home."
USDA Loans
"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."
