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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.
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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
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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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Scott was a very honest person from the beginning to the end of refinancing our mortgage loan; for, nowadays in real estate financing that isn't easy to find in the industry. Sincerely, Mark HunterMark Hunter
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This was the most stress-free real estate purchase I’ve ever made.Nancy Beckwith
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As a first time homeowner Fidel did a great job explaining the process and made the journey so much smoother! Definitely will recommend to friends and family .Jorge Alcaraz
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Greg was very responsive and kept me well onformed. I felt he was a wonderful advocate of my interests. my realtor was very impressed and said she would recom him to her clients.Nancy Beckwith
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Scott Is always available. Great communication. His team is very helpful with getting last minute documents to underwriting. Couldn't ask for a better process.Carol Hunter
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Scott and Alan are not just consummate professionals but make the process so smooth and seem so effortless, I did not have single stressful moment... just fantastic to work with!SREESCANDA SUBRAMONIAN
4.94
