INTRODUCING THE GOLDEN OAK
Life-of-Loan
Refi Advantage
Your mortgage needs may change long after closing. With the Golden Oak Life-of-Loan Refi Advantage, eligible clients can return to Golden Oak for a future qualifying refinance and receive a waiver of eligible Golden Oak broker fees.
Available to eligible returning Golden Oak clients
Eligible Golden Oak Mortgage Group broker fees waived
Designed for future qualifying refinance opportunities
A GOLDEN OAK CLIENT BENEFIT
A refinance benefit built beyond closing.
Markets change. Goals change. Life changes. The Life-of-Loan Refi Advantage gives eligible Golden Oak clients a reason to return when a future refinance opportunity makes sense.
A BENEFIT THAT GOES BEYOND CLOSING.
Today's mortgage is part of a longer financial plan.
The Life-of-Loan Refi Advantage gives eligible Golden Oak clients an ongoing refinance benefit. If the market, your equity position, or your financial goals change, we'll help you evaluate whether refinancing deserves another look.
HOW THE LIFE-OF-LOAN REFI ADVANTAGE WORKS
Close with us. Keep an advantage for what comes next.
The idea is simple: finance with Golden Oak Mortgage Group today and keep a trusted mortgage advisor available as your needs and the market evolve.
Finance with Golden Oak.
Complete an eligible mortgage transaction with Golden Oak and establish an ongoing relationship with our team.
Keep your options open.
As rates, equity, loan programs or your financial goals change, we'll help you evaluate whether refinancing may improve your plan.
Return when refinancing makes sense.
On an eligible future refinance through Golden Oak, qualifying broker and processing fees are waived or covered by a lender credit.
YOUR REFI ADVANTAGE
Fees we control.
Waived.
The Life-of-Loan Refi Advantage is built around the costs Golden Oak can control. On an eligible future refinance, qualifying fees charged directly by Golden Oak are waived or covered by a lender credit.
Eligible Golden Oak Broker Fees
Qualifying broker fees that would otherwise be charged directly by Golden Oak.
Eligible Processing Fees
Qualifying processing fees charged directly by Golden Oak.
Mortgage Strategy Review
We'll help determine whether the proposed refinance actually improves your mortgage strategy before you move forward.
GOOD TO KNOW
A refinance can still have other costs.
The Life-of-Loan Refi Advantage waives eligible Golden Oak fees. It does not eliminate costs charged by lenders, settlement providers, government agencies or other third parties.
Discount points or interest-rate pricing costs
Appraisal fees
Title and settlement charges
Recording and government fees
Prepaid interest, taxes and insurance
Wholesale lender charges not controlled by Golden Oak
GOLDEN OAK INSIGHT
A lower rate doesn't automatically mean you should refinance.
The right decision depends on more than the interest rate. We'll look at your estimated savings, closing costs, break-even period, loan term, equity position and broader financial goals before recommending a change.
BUILT FOR THE LONG TERM
Closing day isn't the end of the conversation.
Your mortgage is one part of a much larger financial picture. As markets, property values and your goals evolve, Golden Oak can continue helping you evaluate the financing behind your home. The Life-of-Loan Refi Advantage is one more way we're building that long-term relationship.
LIFE-OF-LOAN REFI ADVANTAGE FAQ
A Few Things Worth Knowing
Does the Life-of-Loan Refi Advantage make refinancing free?
No. The Life-of-Loan Refi Advantage waives certain eligible fees charged directly by Golden Oak. Refinancing may still involve lender charges, discount points, appraisal fees, title and settlement costs, government fees, prepaid expenses and other third-party costs.
Does the Life-of-Loan Refi Advantage guarantee a lower interest rate?
No. Interest rates and loan terms depend on market conditions, borrower qualifications, property characteristics and available loan programs at the time of application.
Does every Golden Oak loan qualify?
No. The Life-of-Loan Refi Advantage is available only for eligible transactions and borrowers who meet the applicable program requirements. Certain loan types or circumstances may be excluded.
When should I consider refinancing?
A refinance may be worth reviewing when market rates change, your equity position improves, your loan goals change, or another financing structure may better fit your situation. The benefit should be evaluated against the costs and your expected time in the loan.
Can I receive the Life-of-Loan Refi Advantage more than once?
Eligible returning clients may be able to receive Life-of-Loan Refi Advantage benefits on future qualifying refinance transactions, subject to the program terms in effect at that time.
READY TO START YOUR MORTGAGE PLAN?
Close Today. Keep the Refi Advantage.
Build today's mortgage around today's goals while keeping a valuable refinance benefit available for qualifying opportunities ahead.
Life-of-Loan Refi Advantage is a promotional client benefit offered by GOLDEN OAK MORTGAGE GROUP LLC and is subject to eligibility requirements, program terms, loan approval and availability. The Life-of-Loan Refi Advantage does not constitute a guarantee of a lower interest rate, loan approval or financial savings. Eligible Golden Oak fees may be waived on qualifying refinance transactions; however, borrowers remain responsible for applicable lender charges, discount points, appraisal fees, title and settlement fees, recording charges, taxes, insurance, prepaid expenses, escrow funding and other third-party or government charges. Program terms may change or be discontinued where permitted by applicable law. Additional restrictions may apply. Contact Golden Oak for complete program details.