Welcome to Goldbank
At Goldbank we offer you mortgage loans for primary and vacation homes in Chicago, Illinois, Florida, New York, California. Our goal is to provide you with accessibility to the financing you need.
Find the right solutions as your needs change
Loans for main residence
Our commitment to access to affordable housing
We are committed to helping home buyers thrive through the power of home ownership. The Gold Bank Corp® Homeownership Program offers solutions for first-time and modest-income homebuyers, including affordable mortgages, grant programs, resources and expertise.
Affordable Loan Solution® Mortgage
This mortgage offers a 3% down payment and a competitive interest rate. Note[1]
Key requirements
You may be required to complete a first-time homebuyer counseling course through a HUD-approved counseling agency. Note[1]
Our commitment to access to affordable housing
We are committed to helping home buyers thrive through the power of home ownership. The Bank of America® Homeownership Program offers solutions for first-time and modest-income homebuyers, including affordable mortgages, grant programs, resources and expertise.
Affordable Loan Solution® Mortgage
This mortgage offers a 3% down payment and a competitive interest rate. Note[1]
Key requirements
You may be required to complete a first-time homebuyer counseling course through a HUD-approved counseling agency. Note[1]]
Vacation home loans
If you're looking to buy a vacation home in the Orlando Kissimmee area, you're in luck! Our vacation home mortgage purchasing and lending services can help you make that dream a reality. Here is a more detailed breakdown of the services we offer:
Conventional mortgages are available to help you finance the purchase of your Orlando vacation home.
These loans are typically suitable for people with good credit and a down payment of 20% or more. Conventional mortgages typically have competitive interest rates and flexible term options, making them a popular option for those looking to finance their vacation homes.
FHA Mortgages: If you don't have a down payment of 20% or more, an FHA mortgage may be a good option for you. These loans are backed by the Federal Housing Administration and have lower down payment requirements than conventional mortgages. Additionally, FHA loans may be easier to qualify for for those with limited credit.
Fast and Efficient Closing: We understand that time is important when it comes to purchasing a vacation home. Our team works diligently to ensure your loan is processed quickly and efficiently, so you can close on your new property as soon as possible. We'll keep you informed every step of the way and answer any questions you may have during the process.
Refinancing options: Once you have purchased your vacation home, your financial situation may change or interest rates may decrease. If that's the case, we can help you explore your refinancing options to ensure you get the best interest rate and payment terms possible.
Refinanciación de hipotecas
Mortgage refinancing is the process of replacing a current mortgage with a new one, which pays off the original debt. The goal is to get better terms, such as a lower interest rate, a different loan term, or a lower monthly payment.
Some reasons to refinance a mortgage are:
Get a lower interest rate
Reduce monthly payment
Change the loan term
Take advantage of the value of the home for other expenses
Get someone else off the mortgage
Add someone to the mortgage
The refinancing process can take between 30 and 45 days, but can vary depending on the property and finances of the applicant. The closing cost to refinance is usually 2 to 5% of the loan amount.
For a conventional refinancing, the common requirements are:
Minimum credit score of 620 or higher
Debt-to-income (DTI) ratio at 50% or below
Loan-to-value (LTV) ratio of 80% or less
Earn up to 60,000
bonus points
Frequently asked questions
“Goldbankcorp made it possible for me to purchase my dream vacation home. Your application process was quick and transparent, thank you!”
About us
Goldbankcorp is a mortgage agency located in Chicago, Illinois, United States, with a national approach, from the United States. We specialize in providing mortgage loans for primary and vacation homes, as well as refinancing services. Our team of professionals with extensive experience in the sector is committed to helping you achieve your financial goals.
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