Our Services
Home Purchase
In the world of mortgages, interest rates reign supreme. They're the key to determining the overall cost of your loan and, ultimately, how much you'll pay for your dream home over time.
Home Refinance
Mortgages are specifically designed for purchasing or refinancing a home. They come in various forms, including fixed-rate mortgages and adjustable-rate mortgages.
Home Equity
In the ever-changing landscape of interest rates and home values, refinancing your mortgage can be a powerful tool for achieving your financial goals.
Schedule a Call
Schedule a personalized consultation with one of our mortgage experts. We're here to answer your questions and guide you through the loan process. Choose a time that works best for you, and we'll help you explore your mortgage options.
Programs Available
Fixed Rate Mortgage
A Fixed Rate Mortgage offers predictable monthly payments with a consistent interest rate for the life of the loan. Ideal for long-term homeownership and financial stability.
Adjustable Rate Mortgage (ARM)
An Adjustable Rate Mortgage (ARM) starts with a lower interest rate that can change over time. Best for those planning to move or refinance within a few years.
Conventional Loan
Conventional loans are not insured by the government and offer flexible terms and competitive rates. Suitable for borrowers with good credit and a stable income.
FHA
FHA loans are backed by the Federal Housing Administration and require lower down payments and credit scores. Ideal for first-time homebuyers or those with less-than-perfect credit.
VA
VA loans are exclusively for veterans, active-duty service members, and eligible spouses. They offer no down payment and competitive interest rates.
USDA
USDA loans are designed for rural and suburban homebuyers and provide 100% financing. Perfect for those looking to buy in eligible rural areas.
Jumbo
Jumbo loans are for properties exceeding conventional loan limits. Ideal for purchasing high-value homes with competitive rates and flexible terms.
Down Payment Assistance
These programs help buyers with limited funds cover down payments and closing costs. Excellent for first-time buyers needing financial support.
Bank Statement Loans
These loans use bank statements to verify income instead of traditional documentation. Perfect for self-employed borrowers with fluctuating income.
Land Loan
Land loans help you purchase vacant land for future construction or investment. Whether you're planning to build your dream home or develop property, we offer competitive rates and flexible terms.
Construction Loan
Construction loans finance the building of your new home from ground up. These short-term loans cover construction costs and can transition into a permanent mortgage once building is complete.
Commercial Loan
Commercial loans are designed for business property purchases and development. These loans offer specialized terms and conditions suited for commercial real estate investments and business expansion.
Testimonials
Getting a mortgage can feel overwhelming, but Golden Summit made the entire process so smooth and understandable. They answered all my questions patiently and helped me find the perfect loan for my family.
Getting a mortgage can feel overwhelming, but Golden Summit made the entire process so smooth and understandable. They answered all my questions patiently and helped me find the perfect loan for my family.
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