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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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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
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What they're saying about GEM...
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Joe's communication was clear and he was always available for us. I highly recommend working with himRama Sekhar
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Very Grateful for the great job Frank did advising us to secure the right loan for our needs in a fast and profesional manner.Agustin Espinoza
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Fidel and his team are amazing! We got referred by family and from the start, Esmeralda was super informative and helped us schedule a time and date that me and my husband were both able to attend . It took us a few months to find the right fit but eve ...Danielle Godinez-Louie
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I'm a first time home buyer. Danet was patient, communicative, knowledgeable, and best of all: encouraging. She really made me feel like this dream was attainable and thanks to her, it was. I couldn't have asked for anyone better.Natalie Martinez
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Armando was extremely responsive and communicative throughout the entire process. His team was also amazing and made everything feel smooth and well organized. What really stood out was that he went above and beyond by contacting the seller directly for information when my realtor was unavailable. I ...Yumi
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The advice given to us for everything. Communication throughout the whole process. Definitely made it easier on us. The whole ZABE team was amazing. Super nice and respectful as well. Would recommend to anybody.Isidro Rodriguez
4.94
