If you are a first-time homebuyer or an experienced investor, we have a full line of real estate loan programs to meet your needs. GEM Mortgage is a direct lender, eliminating the "middle man" and giving you the advantage of lower interest rates and lower closing costs.

Our team of trusted loan professionals fund over $2 billion a year in home loans and they are ready to put their knowledge of the mortgage industry to work for you. Contact the office nearest you for personal assistance.


Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:

Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.

Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.

Hawaii: GEM conducts business in the state of Hawaii under Mortgage Loan Originator Company license no. HI-2427 issued by the Hawaii Division of Financial Institutions, Department of Commerce and Consumer Affairs.

Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.

Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending.    Notice to Texas Loan Applicants

Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions.