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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
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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Armando and his Wife Valerie are very knowledgeable,carrying,experience,honest and willing to go out of thier way to get you the best interest rate for your loan and have the paperwork done correctly in a good timely manner always communicating how the loan is coming along .thier staff is also very ...Gilberto Enriquez
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Scott was amazing . He answered all my questions and was on top of all. Thank you Scott and AlKathryn Grant
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Simple and fast! Best way to refinance!Daleen Buter
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I had an awesome experience with Thomas from start to finish, him and his team were incridibly professional, responsive and knowledgeable. The process felt smooth and easy.He always made sure we understood each step. I truly felt supported throught the entire home buying process. I highly recomend h ...Marcia Hernandez
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orking with my loan officer was an excellent experience from start to finish. They were professional, responsive, and took the time to clearly explain every step of the process. Their dedication and attention to detail made everything smooth and stress-free. I truly appreciate their hard work and wo ...Anthony Barrios
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great communicationAnita Lievanos
4.94
