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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
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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Made everything easy to understand. Always answering my callsArmando Jimenez Medrano
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I highly recommend Countrywide Mortgage . We had a very unique borrowing situation, and they were able to help us and get our cash out refinance loan funded in less than three weeks. Thanks so much Robert and Stephen!!Greg O'Gorman
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Armando is more than a lender; he guides you like a big brother and always looks out for his clients. He makes you feel like you have a true partner by your side every step of the way. Highly recommend working with him!Anthony Amezquita
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Scott is amazing! More than a loan officer , gave us advice and guided us throughout the entire process. We would 100% recommend himPia Aquije
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Scott is a very trusted man when it come to my mortgage concerns! I know he is always going to be truthful and honest about my situation!Angela Anguiano
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We spent many years looking to buy a home, and Mark was with us along the way. When we finally got an offer accepted, he was fantastic throughout the entire process. He put together a strong approval letter and package that helped our offer stand out, and he worked closely with our realtors, insuran ...Andrea McCool
4.94
