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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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Always very responsive and helpful. Took time to answer any questions or concerns.Shelby Turek
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From start to finish throughout the loan process, we knew everything was just being handled, without having to check or wonder what was going on...things moved along smoothly, even though it was a complex refinance. The documents submitting process was simple an ...Diana Kamminga
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Mark pushed hard with the time I had to secure a loan. Putting in an offer on a home in between Christmas and New Year's was challenging, but Mark did everything he could to push contacts and get a loan secured with a tight timeline.Erin Roper
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Nicole went out of her way to help me and assist me with my loan, returned all my call and explain every single question I had. Nicole is the Best!!Ana Rodas
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constant and clear communication throughout.Douglas Dow
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John Wade is the man in the home loan business! Reach out to him if you're in the market to buy a house and you like being protected and treated well!Danny Campbell
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