Gold Key Mortgage

Gold Key Mortgage is a mortgage broker based is Cleveland, Ohio. They work with seventy different mortgage lenders to fit their clients particular needs and circumstances. Many of their lenders are out of state and would therefore be inaccessible to the customer without Gold Key’s help. They strive to find a lender that can say yes to their clients, while a bank only has its own portfolio to offer. The client will be exposed to a much broader range of loan products with Gold Key than they would be with a bank. The fees at Gold Key are also in line with those at a bank.

After filling out the preliminary application online, a Gold Key Mortgage loan officer will take their customer’s full application over the phone, or meet them at a convenient time and place. The loan consultant will discuss credit history, debt to income ratio and down payment or equity . He will inform the client of the necessary paperwork (Gold Key tries to limit documentation to make the process easier) and after listening to the clients goals, needs and interests, begin to work up a loan proposal. If a proposal can not be approved by both the client and a lender, Gold Key will explain the reasons and work with the client on possible ways to rectify the situation. The customer is considered a client of Gold Key Mortgage before during and after the loan process, whenever a question or crisis arises.

Loans offered by Gold Key Mortgage

Gold Key processes so many loans per year that they can get the best discount rate from their lenders. The lenders are willing to make exceptions on certain loan conditions for Gold Key that a bank may not be privileged to get. They have a multitude of funding options. Here is just a taste of some of their specialty loan programs:

  • No down Payment Home Purchases
  • Conforming Loans
  • Debt Consolidation Loans
  • 0% Down Investor Loans
  • 125% Loan to Value Mortgages
  • Construction Loans
  • Limited Credit or No Credit Loans
  • Stated Income Loans
  • Loans for Mobile and Manufactured Housing
  • No and Light Documentation Loans
  • Rehab Loans

Whether the customer is building his own home or planning to lease option a townhouse, has perfect credit or credit problems, Gold Key’s loan consultants will work hard to find a loan that fits their client’s wishes. Not all of Gold Key’s customers there under happy circumstances. If the customer is in danger of foreclosure Gold Key even has a program for them. They are creative and caring, sensitive to their customer’s difficulties. If a loan makes sense, they can approve it.

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