Golden Mortgage Rates At All Time Historic Low!
When Should You Refinance?
If you are reducing your loan term, achieving 1/2 point rate reduction or simply save money. By knowing A) the costs associated with a refinance and B) the time you plan to stay in your home, you can determine the rate which provides the monthly savings which will allows you to recover your closing costs and break-even. With a lower rate, you can get a lower payment or keep the payment the same and possibly shorten the term of the mortgage to save a significant amount over the life of the loan.
And if you have an Adjustable Rate Mortgage (ARM), you can refinance into a Fixed Rate Mortgage to eliminate your worry of the future payment increases with your current ARM.
Rates vary for every client based on the overall risk factors associated with that file. Tougher underwriting guidelines in place. Here are some of the most influential components:
- Credit history
- Credit score
- Amount of Down Payment
- Employment and Income
- Assets
- Type of Property (single family, condo, multi-family)
We have mortgage programs to fit your specific purchase or refinance transaction. Stated income programs available based on downpayment and equity. Apply for your mortgage on-line
Did you know we can provide a 1st mortgage up to 85% of current appraised value & subordinate an existed second mortgage to unlimited Combined LTV. Verification of income, assets and employment required, minimum 660 FICO.
Easy, convenient, online shopping for the best loan programs and competitive mortgage rates, combined with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
We are an FHA approved lender, loan programs for credit scores 540+ (low credit scores may require addtional downpayment).
Our mortgage rates are updated on our website daily. Call for NJ & NY mortgage rates toll-free: 800-327-0123. Our time honored commitment to servicing our customers.
You may be eligible for a 3.5% downpayment on a mortgage. It depends on the county/state you purchase your home and your credit score. Single family loan amounts up to $729,750.
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Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Downpayments as low as 3.5%, if you qualify for an FHA-backed loan.
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Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
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Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.
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In foreclosure and over age 62? We might be able to help you if you qualify.
We have the mortgage loan programs tailored to your specific needs. Our web-based technology delivers to you secured on-line application status and mortgage documents designed to protect your privacy. Golden Mortgage Corporation will finance your home, so get started today!
Licensed Mortgage Banker- NJ Dept. of Banking.
Registered Mortgage Broker- NY State Dept. of Banking. Broker cannot fund a loan but arranges mortgage loans with third-party providers.
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