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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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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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What they're saying about GEM...
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ARMANDO AND HIS TEAM WERE ABSOLUTELY AMAZING! They made the process of buying our first home swift and easy! I couldn't recommend them enough!Matthew Rodriguez
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All of the support and assistance from the GEM team was greatly appreciated. We were kept posted on a timely basis every step of the way. Apologies on the late response. It looks like the previous requests went to the Promotions bucket, which I never open. Thanks again Jennifer for all of your he ...Jose Guardado
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I had an excellent experience working with my home loan officer. They were professional, knowledgeable, and extremely helpful throughout the entire process. They took the time to explain everything clearly, answered all of my questions, and kept me updated every step of the way. Buying a home can be ...Julio Gudino
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We have known Frank for years, and he has also helped several of our family members. When it came time for us to buy our home, we knew we could trust him. He made us feel comfortable, gave us great advice, and helped make the whole process go as smoothly as possible. We’re so grateful for all his he ...Yadira Barboza
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Scott was always available to answer my questions and willing to drop by to go over paperwork. He's very personable and efficient.Allan Gottlieb
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Made us feel very confident and comfortable with the whole processJan Michael Ferrer
4.94
