It is a simple process and easy get started today. 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 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 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.
The fixed rate and payments are fixed for the life of the loan dependent upon the term selected. 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.
Services
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. The GEM business philosophy holds true that all consumers deserve access to credit, where "our customers are our business" is the cornerstone for excellence.
Adjustable Rate Mortgage (ARM): The Adjustable Rate Mortgage is a home loan option where the interest rate on the loan changes. The benefits of an ARM is that typically the interest rate will be lower than a fixed rate loan, in addition after the fixed rate period of the loan ends your interest rate may decrease which will reduce your monthly payment.
Are you a homeowner in search of the perfect home, but are confused about the different options available when it comes to home financing? Are you aware that there are numerous options available for homebuyers that can connect you with valuable financial resources? At Golden Empire Mortgage (GEM) we have the perfect tool to help you target those hard to find financial resources, and assist you in achieving home ownership.
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes. How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view. This calculator will help you to determine your savings if you make larger monthly payments.
Reviews (2)
Kevin G.
Aug 30, 2019
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Craig S.
Jun 09, 2017
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Quite frankly, I wouldn't do business with Golden Empire Mortgage, particularly Norm Kremer and All Pacific Mortgage, ever again. They were poor communicators about basic information needed to understand all the costs and fees during my refinance.
Look, there are countless mortgage brokers in the west and even more on line. I'd go with someone else rather than work with All Pacific. If they can't inform their clients of such important and expensive costs, then I'd consider them unprofessional and try someone else.
Craig Sklar
Look, there are countless mortgage brokers in the west and even more on line. I'd go with someone else rather than work with All Pacific. If they can't inform their clients of such important and expensive costs, then I'd consider them unprofessional and try someone else.
Craig Sklar
