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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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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
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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Fidel and his team were exceptional throughout the entire home-buying process. As first-time homebuyers, we greatly appreciated their professionalism, expertise, and dedication every step of the way. They made what could have been a stressful experience feel smooth and manageable, always taking the ...Christian Tiscareno
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This experience was amazing. Communicated everything very well. He was always available to answer our questions. We will definitely recommend him to anyone we can.Margarita Coyle
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Francisco leaves no stone unturned in finding solutions to Getting clients approved. Once approved he is proactively in the trenches communicating with us , the realtor and client, to make sure we close smooth and close fast! Love working with him!Audel Avila
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Straight forward, and fast.Eduardo Castillo Hernandez
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Quick n easy great responsiveness and quick to come up with solutionsRicardo Cardenas
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Manuel, Anthony and his whole team were patient with me and helped guide me to my end goal of raising my credit and helping me qualify for a home for my four kids. They spent months, longer than what I'm sure was even fair for them to help me, work with me, ...Samantha Clark
4.94
