We had attempted to refinance our present mortgage (and a 2nd) with another company which was not a good experience. My wife told me that she saw a commercial on TV about Golden Oak which she thought it was a good idea to check out. It was not a good idea. It was a fantastic idea. Michelle Williams is knowledgeable, personable and easy to work, knew exactly what we were seeking and made this a reality in a very short time. We will recommend Golden Oak and Michelle Williams to everyone!

Rick has been wonderful through this process! He was patient, yet diligent in finding us the best avenue to pursue. We ultimately decided to refinance our current mortgage through Golden Oak. Since this was our first time doing this, Rick was prompt and detailed with his responses. More importantly, if we did not understand the jargon or methods of this business, Rick would speak to us in a way in which we were both able to understand, all the while respecting our time and intelligence. He has gone above and beyond while working with us. We would certainly recommend Golden Oak and Rick Ball for your financial needs.