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    Welcome Home Finance

    Welcome Home Finance

    (3 reviews)

    Efficient and flexible, we refinanced our 30 year to 15 at the rock bottom rates during the first…read morepart of the COVID-19 pandemic. Despite the backlog of processing at the various banks / title agencies / etc as everyone desperately sought to lock in low rates (2.5% fixed over 15 years), "Big Jim" Franco and his team guided us through the entire process. Because of their perseverance, we've been able to accelerate amortization of our home, and which put us on a sound financial footing.

    Can getting a mortgage even be this easy?…read more I've been looking for a home in Pittsburgh since I moved here 2.5 years ago, and this last week, finally closed on a home and had a mortgage through Jim Franco at Welcome Home Finance. Jim came highly recommended through several coworkers and a friend, so I had little doubt that things would go alright with the loan, but I was also amazed at just how smoothly things went. Having closed on a condo in late 2008 in Austin, and a few refinances on the condo (thanks, tanking economy!), I was accustomed to pretty painful processes of securing a mortgage. Perhaps 2008 is to blame. Perhaps Texas is to blame. Perhaps the condo is to blame. But, more likely, the mortgage brokers I used at the time just required a lot of hand holding and constant updating and it ended up being fairly stressful. Not with Jim! Things went so smoothly that I was concerned that something was wrong, because I wasn't being harassed for this document or that or told that something went wrong in underwriting or that they need some last-second certification or statement under oath or letter from Obama or Eye of Newt or who knows what. Easy. As. Pie. The numbers were all correct. The closing happened on time. Oh, and I got a pretty good interest rate, too. Through the entire process Jim was responsive, answered my questions accurately, and was good at calming my nerves. I'd highly recommend!

    Golden Oak Lending - Randy Merchant, Branch Manager

    Golden Oak Lending

    (4 reviews)

    I totally understand COVID and took this time into consideration before writing my review by…read morecalling other mortgage companies and talking to friends who have refinanced in a quicker timeframe. As of Nov. 29, Golden oak has been trying to refinance my home since sept 15th (75 days). We were prequalified, signed the papers immediately and were told this would be a smooth process! As of today , we have had updates ONLY when I push or call their corporate office. However, still no closing date in sight . As of Friday, we moved to underwriting, but ONLY because I pushed!!! Once I learned they moved our file , I learned that the deal we were supposed to achieve isn't even what we agreed on ....so folks check your details as Golden Oak will leave ya hanging! No benefit to going with them as most refinances are closing in less than 45 days.... ours is over 60 days and counting! I decided to use them because they were in our immediate area...MISTAKE. As for my review...My home was appraised over a month ago at a lower number, which again was NEVER communicated. Funny...we are considering selling because our home had two offers both over $50k Golden Oaks appraisal‍. I will probably still have to call for updates to only be told they don't know a closing date. Last I heard was end of October but as of last Friday they are shooting for first week of December to hopefully "end this for everyone". Guess they don't like the bad reviews ‍‍ Poor company and worse customer service . I would look elsewhere as this company isn't what they present themselves as!! If I didn't want to start from ground 0 with another 10 credit hits I would call another company.

    I used Golden Oak Lending twice in the past. They came to my house, were very professional and…read moreinformative. No high pressure, just the facts. They got me out of a bad situation as I was going through a divorce, and, as many men, had little idea of all of the household finances. (Come on...lots of guys in the same boat). Great job, great rates, and would use them again. Paid off my credit cards and lowered my mortgage. Recommend.

    PNC Bank - banks - Updated May 2026

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