Mortgage Options to Get You Home

Like a home, mortgages aren’t one size fits all. We have different options to fit your goals and budget, and a Mortgage Consultant to walk you through it. We'll help you find the perfect loan for your home, whether that's a conventional fixed-rate mortgage or an adjustable-rate mortgage. 

Whether you’re buying a new home or refinancing your current one, GOLD has the mortgage rates and products you need. All our home loans feature:

  • Competitive interest rates and fees
  • Flexible terms and down payments
  • Quick pre-approvals for better purchasing power
  • A dedicated Mortgage Consultant to guide you through the approval and closing process
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Mortgage Options

Conventional Fixed-Rate Mortgage

The traditional 20% down payment and slightly lower interest rate of our traditional fixed-rate mortgage will save you money on your home over the life of the loan. A fixed rate means your payments will stay the same for the life of your loan with no surprises.

Adjustable-Rate Mortgage (ARM)

Our adjustable-rate mortgage starts with an interest rate that is lower than that of a fixed-rate mortgage; it's then adjusted periodically during the term of the loan. If you're looking to move again or refinance in a few years, then this loan may be the best fit. 

Get pre-approved and start house hunting. Complete the online application, or call 1-800-641-5036 to walk through the application process over the phone with our Mortgage Consultant. Either way, we'll be by your side from application and house hunting to closing day on your new home. We have years of experience and know the real estate industry inside and out. 

Online Mortgage Application

Current Rate Chart

Rates Effective 2/27/2024

Conventional Mortgage Rate APR1
30 Years 6.875% 6.930%
20 Years 6.500% 6.571%
15 Years 6.250% 6.338%

1 APR = Annual Percentage Rate. Not all applicants will qualify for approval, based on credit review and collateral evaluation. Rates as shown are for 0 discount points. Rates shown are subject to change at any time without notice. Conventional Mortgage APR is based on a $450,000 purchase price and $360,000 loan amount. 

The First Step in Home Buying

There are apps and websites galore to browse real estate listings, but how do you actually get started when you’re serious about buying a home? 

Step 1: Figure out Your Budget

Get a clear picture of your finances by looking at your budget to determine how much you can afford for a down payment and monthly mortgage payments. Our blog post and budgeting worksheet will help you figure out what’s comfortable for your wallet.

Step 2: Get Pre-Approved

Get your pre-approval before reaching out to realtors. This document shows agents and sellers that you're a serious buyer and gives you confidence in your budget and purchasing power. To start your pre-approval, you’ll complete an application online or over the phone with our Mortgage Consultant. We’ll pull your credit, ask any necessary follow-up questions, and send out your conditional pre-approval letter to you.

Step 3: Start Shopping

Partner up with a real estate agent and start looking at houses. Keep your Mortgage Consultant updated on any developments in your search so we can make sure your paperwork keeps pace. When you're ready to finalize an offer, we’ll lock in your terms and guide you through the closing process.

Ready for your pre-approval?

Our Mortgage Consultant is ready to get you started. Call us at 1-800-641-5036 or fill out an online application to get the paperwork rolling.

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GOLD mortgage servicing partners are listed below. Use the link for your servicer to pay your GOLD mortgage online.

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Member First Mortgage 

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Budgeting to Buy a Home

The best way to figure out what you can afford is to take the time to really dig into your spending. This blog post and budget worksheet walk you through it. 

When and How to Refinance 

When does it make sense to refinance, what is the process, and are there other options? We broke down everything refinancing on the blog to help you make informed choices.

Mortgage FAQs

Get the real deal on buying a home with answers to our most frequently asked questions.

When you apply with us, we’ll ask you questions about the home and your finances – it should take less than 15 minutes to complete. When you’ve finished the application, we’ll review your request for approval. A Mortgage Consultant will contact you to introduce himself or herself and to answer any questions you may have. Your Mortgage Consultant is a mortgage expert who will provide help and guidance along the way.

If you’re purchasing a new home, the Mortgage Consultant will also contact the Real Estate Broker or the seller so that they’ll know whom to contact with questions. We’ll send you your preliminary mortgage disclosures to sign, including your loan estimate detailing the costs of your loan and expected monthly payment, and a list of items we’ll need to process your loan request.

We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Title Insurance will be necessary. If you’re purchasing a home, we’ll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you’re refinancing, we’ll take care of ordering the title work for you. We’ll use the Title Insurance to confirm the legal status of your property and to prepare the closing documents.

After we receive the signed disclosures back from you and the appraisal and title work, we’ll have your loan reviewed in Underwriting for final approval before closing. If you’re purchasing a home, we’ll also schedule the closing with the real estate broker and the seller.

The closing will take place at the office of a title company or attorney or your realtor’s office. A few days before closing, your Mortgage Consultant will contact you to walk through the final information and issue the closing disclosure, so that there won’t be any surprises at closing.

That’s all there is to it!

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we'll issue an approval subject to you finding the perfect home. We'll email you a preapproval letter once your review is completed. You can use that preapproval letter to assure real estate brokers and sellers that you are a qualified buyer. Having a preapproval for a mortgage may give more weight to any offer to purchase that you make. When you find the perfect home, you'll simply call your Mortgage Consultant to complete your application. You'll have an opportunity to lock in our great rates and fees then, and we'll complete the processing of your request.

We take full advantage of an automated underwriting system that allows us to request as little information as possible to verify the data you provide during your loan application. Gone are the days when it was necessary to verify every piece of data collected during the application. The automated underwriting system compares your financial situation with statistical data from millions of other homeowners and uses that comparison to determine the level of verification needed. In many cases, a single W-2 or pay stub can be used to verify your income or two months of bank statements can be used to verify the assets needed to close your loan.

A credit score is one of the pieces of information that we’ll use to evaluate your application. Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.

Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.

Credit scores used for mortgage loan decisions range from approximately 300 to 850. Generally, the higher your credit score, the lower the risk that your payments won’t be paid as agreed.

Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision, and we never evaluate an application without looking at the total financial picture of a customer.

An abundance of credit inquiries can sometimes affect your credit score since it may indicate that your use of credit is increasing.

But don't worry. The data used to calculate your credit score doesn't include any mortgage or auto loan credit inquiries that are made within the 30 days prior to the score being calculated. In addition, all mortgage inquiries made in any 14-day period are always considered one inquiry. Don't limit your mortgage shopping for fear of the effect on your credit score.

Buying a home is a big investment. A 20% down payment might be more than you have saved, but that doesn't necessarily mean your dream house is out of reach. If you are a first time home-buyer, you may be able to purchase a home with as little as 3% down. Want more info? Get in touch with our mortgage experts at 1-800-641-5036 or

Your closing costs consist of fees for a credit report and underwriting, as well as other third-party fees traditional with any lender: appraisal, recording fees, title insurance, transfer taxes, property taxes, and the cost of a homeowners' insurance policy. 

Have more questions about mortgages?

Contact Us

We're here for you from pre-approval to close.

Call 1-800-641-5036 or submit an application online to get started.

All residential mortgage loan originators (MLOs) are nationally registered under a unique identifier. The unique identifier allows consumers to pull up employment history and any disciplinary and enforcement actions against MLOs in a publicly searchable online database. Click here to view the list of active GOLD MLOs
Mortgage Application
APR = Annual Percentage Rate. Not all applicants will qualify for approval, based on credit review and collateral evaluation. Rates as shown are for 0 discount points. Rates shown are subject to change at any time without notice. Conventional Mortgage APR is based on a $450,000 purchase price and $360,000 loan amount. The 5/6 ARM is a variable rate product and APR adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. The 5/6 ARM rate will be fixed for the first five years of the loan and then can change every six years based on market conditions. Contact Mortgage Consultant for full terms, conditions, and costs associated.

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