Home Refinance

Refinancing a Mortgage1

Golden Mortgage offers competitive mortgage rates and personalized service for a smooth, trouble free mortgage lending experience. And now may be a great opportunity to access the equity in your home or get a lower interest rate, especially if your home value has risen or if interest rates drop. Refinancing can help you lower your monthly payments, reduce your total payment amount, consolidate debt or get cash out to put your home equity to good use. Whatever your purpose is to refinance, we’ll help you through the process from rate locking to signing.

Cash-Out Refinance

With a cash-out refinance your existing home loan is replaced with a new one at a higher loan amount than you owe and you receive any remaining funds to use as you wish. A cash-out refinance could be a great option to access your home’s equity. You can also access your home’s equity through a Home Equity Line of Credit by borrowing against your home’s equity through a revolving line of credit – call us to learn more about this option.

Lower Your Monthly Payments1

Lowering the amount of your monthly payment can have a positive impact to your budget and may increase your cash flow.

Reduce Your Interest Rate1

Refinancing when mortgage interest rates fall may generate greater cash flow. You can either lower your monthly payment and maintain your current repayment term, or reduce your repayment term and pay a constant monthly payment.

Pay Off Your Loan Faster1

If you want to pay off your home loan sooner and potentially reduce the overall cost of interest, refinance for a shorter loan term. This may enable you to pay off mortgage debt faster and focus on other major priorities, like college tuition and retirement. Typically you have a higher payment, but the repayment period will be less.

Keep Your Current Term or Reduce Your Mortgage Term

If you have been in your home for a few years, we can customize the ideal loan for you without resetting the mortgage clock!  Flex Term provides you with flexible options to select to amortize your loan term.  Available on all conventional, FHA and VA loan products.  Terms available from 8 - 30 years.

New Application Technology

No copying bank statements or paystubs with a Doc-less application process.  Apply with our new, secure, hassle-free technology to apply for a home loan completely on-line. 

1 Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation.

* No Closing Cost loans are subject to terms and conditions of Golden Mortgage Corporation Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on the Closing Disclosure. Application fee is non-refundable if your loan is denied, withdrawn, or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Golden Mortgage Corporation. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

Call (877) 539-1697 today to speak with a mortgage specialist or complete the form above for a free no-obligation consultation.

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