A Stress Free Mortgage Experience.
We educate and guide you through your home-buying journey.
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Why Choose Goins Lending Group?
We simplify the mortgage process, providing clear guidance and personalized solutions. Whether you're buying your first home or refinancing, we're committed to helping you succeed.
Our Commitment:
- Personalized Solutions: Tailored to your unique needs.
- Expert Guidance: 20+ years of experience from Nikki Goins.
- Transparency & Trust: Honest, clear communication.
- Flexible Options: A range of loan types to fit you.
- Competitive Rates: We help you secure the best deal.
Let us guide you every step of the way. Your success is our priority.
What Our Clients Say
"It was outstanding. I didn’t have a great experience with the previous mortgage company I used. Nikki was able to address all my needs and get the deal done!"
J.S.
Client
Our Services
FHA Loan
A mortgage insured by the Federal Housing Administration, designed for low-to-moderate-income borrowers.
VA Loan
A loan program for veterans, active service members, and their families, with no down payment.
Conventional Loan
A mortgage not insured by the government, typically offering lower costs but stricter requirements.
USDA Loan
A loan for rural home buyers with no down payment, offered by the United States Department of Agriculture.
Jumbo Home Loan
For properties that exceed conforming loan limits, offering larger loan amounts with higher interest rates.
ARM Loan
A Adjustable-Rate Mortgage (ARM) loan is a loan with an interest rate that may change periodically based on financial index fluctuations.
Your Journey to Homeownership
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Document Gathering
- Last 30 days of pay stubs
- W2's, 1099's, and tax returns (most recent two years)
- Two months of bank statements (all pages)
- Most recent quarterly 401K or IRA statement
- Photo ID & Social Security Card or Passport
Additional Tips and Notes
Calculators
Refinance Calculator
Results:
Current Monthly Payment: $1013.37
New Monthly Payment: $898.09
Monthly Savings: $115.28
Break-even Point: 27 months
