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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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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
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Refinance
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Affordability
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What they're saying about GEM...
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We had such a great experience working with Frank GEM Mortgage team throughout our homebuying process. What really stood out to us was how helpful and knowledgeable the team was even before we began submitting formal offers. They took the time to walk us through the mortgage process, provide estimat ...Elizabeth Rubalcava
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Big thank you to Fidel at Zabe Mortgage and all his team Aylin, Corina, and Esmeralda for your help. Your knowledge and professionalism made this whole process easy for us. Thank you for explaining and listening to our needs. We appreciate how you all kept in communi ...Norma Rodriguez
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Everything .. our whole loan process was simple and clear.Beth Torrez
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Hank and his team went above and beyond to get my deal done .Louis Rust
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Harold made our mortgage experience great from start to finish. He was incredibly responsive, knowledgeable, and patient throughout the entire process. Buying a home can be stressful, but Hank made sure we always understood what was happening, answered our questions quickly, and kept everything movi ...Erika Vargas
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Mark is always on the lookout for opportunities to improve the finances of his customers. He alerted us to a replacement loan upgrade with much better terms. When we ultimately didn't meet the qualifications, he and his staff immediately went on the hunt for a second-best loan, which we did qualif ...Derek Bell
4.94
