NOT SURE YOU’RE GETTING THE BEST MORTGAGE?
Shop Your Quote
Send us your current Loan Estimate and let a Golden Oak mortgage advisor review the financing line by line. We’ll compare the rate, lender charges, credits, points, mortgage insurance, and overall structure so you can move forward with greater confidence.
GOLDEN OAK MORTGAGE GROUP PROMISE
A Clearer Look at Your Mortgage Offer
We’ll review your Locked Loan Estimate line by line. If we cannot identify a meaningful improvement in your financing, we’ll send you a $50 Visa Gift Card as a thank-you for the opportunity.
If your Loan Estimate is not locked, we will still be happy to provide a complimentary quote; however, the gift-card offer applies only when the submitted Loan Estimate meets the requirements described below.
A SIMPLE, CONFIDENTIAL REVIEW
How It Works
Submit Your Loan Estimate
Complete the short review form and upload the Loan Estimate you received from another lender.
We Review the Details
A mortgage advisor evaluates the rate, points, lender fees, credits, mortgage insurance, cash needed, and overall loan structure.
Receive a Clear Comparison
We’ll let you know whether we can identify a meaningful financing improvement or a structure worth considering.
Decide With Confidence
There is no obligation to change lenders. The goal is simply to help you understand the offer before you proceed.
WHAT WE REVIEW
More Than Just the Interest Rate
A lower advertised rate does not always mean a lower-cost mortgage. We review the full financing picture rather than focusing on one number.
The note rate and whether it is fixed, adjustable, or tied to a temporary buydown.
Upfront charges paid to obtain the quoted interest rate.
Origination, underwriting, processing, administration, and other lender charges.
Credits that offset costs and how they relate to the offered interest rate.
Monthly or upfront mortgage-insurance costs when applicable.
Loan type, term, payment, cash needed, and whether the structure supports your goals.
GIFT-CARD REVIEW REQUIREMENTS
What Qualifies for the $50 Offer?
The following requirements help ensure we are comparing a current, verifiable mortgage offer on a consistent basis.
The document must be an official Loan Estimate issued by another mortgage lender.
The interest rate shown on the Loan Estimate must be locked.
The property, occupancy, loan amount, and loan purpose must be eligible for review by Golden Oak.
The submitted information must be complete and accurate enough to evaluate a comparable financing scenario.
The review must be submitted at least 15 days before the competing loan closes or its rate lock expires, whichever occurs first.
Limit one gift card per mortgage transaction, regardless of the number of borrowers or applicants, subject to the full offer terms below.
START YOUR MORTGAGE REVIEW
Upload Your Current Loan Estimate
Complete the secure Shop Your Quote form below. Upload your current Loan Estimate and we’ll generally respond within one business day.
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Golden Oak's Shop Your Quote Offer Terms
Golden Oak's Shop Your Quote is a complimentary mortgage review and is not a commitment to lend, an approval, or a guarantee that Golden Oak can improve another lender’s offer.
To qualify for the $50 Visa Gift Card, the applicant must submit a genuine, current, official, and locked Loan Estimate issued by another lender for a mortgage transaction that Golden Oak is legally and operationally able to evaluate. Golden Oak must be provided with sufficient, accurate information to prepare a reasonably comparable scenario.
A “meaningful improvement” may include a lower rate, reduced lender charges, increased lender credits, lower mortgage-insurance costs, improved cash-to-close, improved monthly payment, or another material financing benefit. Comparisons may be affected by market movement, lock period, loan type, property, occupancy, borrower qualifications, points, credits, and other terms.
The gift-card offer is limited to one gift card per household and mortgage transaction. Gift cards are not eligible for additional co-borrowers or co-applicants on the transaction not in household. It has no cash value and may be subject to additional issuer terms. Golden Oak may decline incomplete, altered, expired, unverifiable, duplicate, fraudulent, or otherwise ineligible submissions. Additional restrictions may apply where prohibited by law or applicable program requirements.
A SECOND LOOK CAN MAKE A MEANINGFUL DIFFERENCE
Make Sure the Mortgage Fits the Bigger Picture
Even when two offers look similar, the details can affect your upfront costs, monthly payment, available cash, and long-term borrowing expense.
This page is provided for general informational purposes. All loans are subject to application, underwriting, credit approval, property review, program requirements, and lender availability. Rates, costs, and market conditions may change without notice. Gift-card eligibility is subject to the offer terms stated above.