For serious homebuyers, the first step in buying a house is getting pre-approved for a home loan. A mortgage pre-approval is where a certified lender provides an estimate of the loan amount, interest rate, and monthly payments you qualify for based on your credit score and overall financial health. A official pre-approval letter shows sellers you are serious about purchasing their property, and it can help you stand out in the Indianapolis housing market.
Get Pre-Approved with Golden Oak
At Golden Oak Lending, our mortgage experts understand that having an edge over the competition is important in a competitive housing market. Our Indianapolis team works hard to quickly process your application and guide you to the best estimates that are within your budget. Whether you are ready to purchase your first Indianapolis home or move into your dream home, schedule a free pre-approval consultation at our office 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 Indiana
8604 Allisonville Road, Suite 130
Indianapolis, IN 46250
Phone: (317) 706-4653
Hours of Operation
Monday - Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 4:00 pm
License # 32254
Advantages of Getting Pre-Approved for a Home Loan
- Giving a Stronger Offer A pre-approval letter from a certified mortgage lender shows you are financially able to purchase a seller's home. For homes with multiple offers or houses in competitive markets, a pre-approval letter will make your bid more attractive compared to other buyers.
- Determine Your Price Range In the pre-approval process, you get to establish your price range for the homes you can afford and solidify your budget. The pre-approval process requires many of the same steps as a mortgage application so you will be able to determine what your lender is willing to offer you based on your finances and home search. It also saves you the heartache if a home is out of your price range.
- Correct Issues with Your Application Even if you pay all bills on time, sometimes small issues may be missing within your credit that can prevent you from getting the mortgage you need. By going through the pre-approval process, your assigned lender can review for any errors or identify any possible concerns in your application. We want you to have peace of mind and be able to put yourself in a stronger buying position.
- Quicker Closing Most of your financial information is verified by a certified mortgage lender early which means you can close on your home quicker. This gives you the ability to move in faster and start enjoying your dream home sooner.
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."
