Integrity Home Finance
8311 Haven Avenue
Rancho Cucamonga,
CA
91730
Welcome To Integrity Home Finance
At Integrity Home Finance, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
Purchase
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can. At Integrity Home Finance, we are dedicated to finding the loan that fits your individual needs.
Refinancing
Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable-rate loan to a fixed-rate loan, or to extract cash equity in your home (cash out). A few reasons for cashing out include home improvement, an education fund, and consolidating debt, and more.
Another way to convert equity in your home to cash is a "home equity" loan. A "home equity" loan is an alternative to refinancing if your home loan has a very low rate compared to current interest rates or if you have a prepayment penalty on your loan.
Benefits:
- Reduce Your Interest Rate
- Cash Out Equity for Home Improvements
- Consolidate Debt
- Lower Monthly Payments
To Refinance You'll Need:
- Current Appraisal and Analysis
- Verification of Assets and Income
- Click Here to Apply Now
Paperwork Needed
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to provide:
- Social Security numbers for both you and any co-borrowers
- Copies of checking and savings account(s) statements for the past two months
- Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
- Recent paycheck stubs
- W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
- The name and address of someone who can verify your employment
- Residence history for the past two years
- Sales contract for the purchase of a new home
- Homeowner's association information with contact information if property is a condo or part of a homeowner's association
Integrity Home Finance Team
Our Products
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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.
You can:
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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
Golden Empire Mortgage
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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Michael answered or returned all of my calls. He took the time to answer and go over all of my questions until I understood his response. He gave good suggestions and advice.Stacy Ruffins
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Reyna Hernandez
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Throughout the process, Mr. Oropeza provided the needed guidance & support. He communicated in an effective manner and responded promptly to questions posed. Overall, Mr. Oroprleza consistently demonstrated the kind of professionalism beyond our expectations. We look forw ...Dong Do
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Michael was wonderful! He was friendly, kind, helpful and supportive throughout the entire process. He was also patient and answered all of our questions. I spoke with several lenders but Michael was the best of all. I would recommend Michael to family and friends. Thank you Michael for making it ha ...Zolzaya M
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Communicative, on top of everything, answered all questions we had, and was always availableGerman T
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Michael was extremely professional and had a great attitude throughout the process. He made me feel like he had my best interest at heart. I could ask for a better team on my corner.Jesse C
4.94
