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FHA Mortgage
Many first time homeowners are choosing to consider FHA insured loan programs which can permit an easier time to qualify for a mortgage loan with as little as 3.5% down payment limiting your upfront costs.
Conventional Fixed Rate Mortgage
Conventional fixed rate loans are offered up to a 30 year term and are made available through government sponsored organizations known as Fannie Mae and Freddie Mac. The fixed rate and payments are fixed for the life of the loan dependent upon the term selected.
VA Home Mortgages
VA homes are available to help veterans, active duty military, National Guard, reservists, and surviving spouses to afford the homes they deserve. The Department of the Veterans Affairs determines the eligibility dependent upon the length and type of service by the service member.
Adjustable Rate Mortgage (ARM)
ARM loan are loans based upon market indexes that become adjustable after a fixed rate period between 5, 7 or 10 years. The interest rate could go up or down dependent upon the market factors. Typically starting ARM rates can be lower than traditional fixed rate mortgages.
Downpayment Assistance
Are you a homeowner in search of the perfect home, but are confused about the different options available when it comes to home financing?
About Us
GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years.
Loan Products
Contact one of our experienced Loan Professionals today to find out more about how GEM Mortgage can help choose the perfect home loan option for your financing needs.
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Under the California Consumer Privacy Act, you have the right to request that Golden Empire Mortgage, Inc. not sell your personal information.
You can make that request in one of three different ways.
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844-959-0618
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Write to us at:
Golden Empire Mortgage, Inc.
ATTN: CCPA Clerk
2659 Townsgate Road, Suite 236
Westlake Village, CA 91361
Mortgage Calculators
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Monthly Payment
This calculator computes the payments of principal and interest based upon a home price, down payment and other factors.
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Refinance
Compare different mortgage terms and calculate your refinance savings.
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Affordability
This calculator computes the finance amount, based upon income, expenses, credit rating and other factors to determine how much home can I afford.
What they're saying about GEM...
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First and conveniousScotland Noble
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Nicole and Liz were incredibly helpful to me and my family. They answered all of our questions thoroughly and went above and beyond to ensure we felt informed and supported throughout the process. Their professionalism, kindness, and dedication made a significant difference, and we truly appreciate ...Rosaisela Salmeron-Sears
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Rosie is amazing at what she does. I truly enjoyed the whole process!! Thank you so much!Salvador Romo
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Mark is amazing to work with. He is always responsive and clearly explains everything. He responds to all emails and texts in a timely manner. Mark provides outstanding service. I would absolutely recommend Mark to everyone. Excellent job Mark!Hasnain Maindi
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It took over two months for the refinance to be completed. It felt frustrating that, even on the day before we signed, we still had to upload more documents. The process was too long. We had to initiate most of the communication to receive updates with Alan, S ...Jill Hampshire
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answwe'd questions we had and responded in a timely mannerElias Camargo
4.94
