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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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Call us toll free at:
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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What they're saying about GEM...
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Ok I get 7 units in one month thx joe with the good job in all the process looking for get more .Luis Lind
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Thank you to Fidel and his team Aylin, Corina, Esmeralda for making this whole process easy and not stressful. We appreciate all your help and professionalism. We definitely will use you for any of our future needs and recommend you to family and friends. Thank you.Norma Rodriguez
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From the moment we stepped into there office we felt welcomed and the front desk staff were always helpful in pointing us in the right direction always offering us coffee and water. Fidel is our mortgage consultant and i would not hesitate one minute to recommend him to other people he takes his tim ...Jesse Dairyland
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It felt like we were working with friends. Thank you!Beth Torrez
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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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