Our Products
Ask Gem
Contact Us
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.
Didn't Find an Answer?
We know that it isn't easy to find your answers at once. Reach out to us by filling this form and we will reach back in 24 hours.
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.
You can:
Call us toll free at:
844-959-0618
Submit your request to us electronically by clicking the button below.
Write to us at:
Golden Empire Mortgage, Inc.
ATTN: CCPA Clerk
2659 Townsgate Road, Suite 236
Westlake Village, CA 91361
Mortgage Calculators
-
Monthly Payment
This calculator computes the payments of principal and interest based upon a home price, down payment and other factors.
-
Refinance
Compare different mortgage terms and calculate your refinance savings.
-
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...
-
The open communication and willingness to answer any and every question from the whole team. Esmeralda, Aylin, and Fidel would call me ASAP once I emailed them. Thank you all!Stephany Lomeli
-
Thank youJuan Castro
-
It was a true pleasure working with Hank and the entire staff at Golden Empire Mortgage. Hank took the time to break everything down and get us the best deal possible. I would absolutely recommend GEM Mortgage to everyone needing to find a lender that is willing to go above and beyond for their clie ...S Vas
-
I had an excellent experience working with my Hank. From the very beginning, he was professional, knowledgeable, and incredibly patient throughout the entire process. Hank took the time to explain every step clearly, answered all my questions promptly, and made what could have been a stressful exper ...Ian Braun
-
Terry and his team were super responsive from the outset, and continuing throughout escrow. Terry walked me through every detail in a timely and professional manner. I was very happy with my experience and so so grateful for their help!Diane Rosenberg
-
We had a lot of questions as we went through the loan process and Tom always answered every single one of them with patience and clarity. He never made us feel rushed and always took the time to explain the details.Suzana Holguin
4.94
