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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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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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What they're saying about GEM...
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best loan officer out there! Quick to respond. We took out a line of credit and the loan closed in 3 days. If you are looking for any type of hone loan Scott Gilman is the best.Jeffrey Downey
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Working with Ryan Moss was a great experience he was professional a good communicator and friendly during the entire process from start to finish. I would highly recommend Ryan Moss.Otis Smith
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Exceptional service from Thomas L. and his team! We had Thomas support us 6 years ago when we purchased our first home and he made the process beyond easy for two very young and inexperienced people. He is kind and patient and believes “there are no dumb questions” which put us at ease; making him v ...KAYLA FRY
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Terry is a great adviser!Adam Hochberg
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Thomas and his team worked tirelessly over these last weeks to get us this property within our budget. This move could not have happened without his expertise and advise. The level of professionalism and know-how on this team is unparalleled, and I couldn't recommend them more.JACOB FRY
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Made everything easy to understand. Always answering my callsArmando Jimenez Medrano
4.94
