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  • Mortgage Simplified Couple

    Mortgage. Simplified.

    With HOMEConnect, your mortgage loan takes 4 easy steps
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    Application

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  • Mortgage Simplified Mother and Daughter

    Mortgage. Simplified.

    With HOMEConnect, your mortgage loan takes 4 easy steps
    • 1
    • 2
    • 3
    • 4

    Verification

    Get Started
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  • Mortgage Simplified Happy Guy

    Mortgage. Simplified.

    With HOMEConnect, your mortgage loan takes 4 easy steps
    • 1
    • 2
    • 3
    • 4

    Approval

    Get Started
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  • Mortgage Simplified Hi Five Couple

    Mortgage. Simplified.

    With HOMEConnect, your mortgage loan takes 4 easy steps
    • 1
    • 2
    • 3
    • 4

    Closing

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Smartphone Application

4 Easy Steps

HOMEConnect is for homebuyers

Introducing HOMEConnect…Fast Secure Home Loan.  It is a simple process and easy get started today.  Simply click on the link below to begin your application a breeze by digitally connecting your income, employment and assets completing the verification process quickly using industry leading security to protect your data.  That information is matched with the right loan for you…helping you and your loan expert at GEM, take you from application to approval and funding in record time.  All with no obligation…only at GEM!

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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.

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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.

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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.  

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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.

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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?

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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.

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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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Didn't Find an Answer?

We know that it isn't easy to find your answers at once. Reach out to us by filling this form and we will reach back in 24 hours.

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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:

Call us toll free at:
844-959-0618

Submit your request to us electronically by clicking the button below.

DO NOT SELL MY PERSONAL INFO

Write to us at:
Golden Empire Mortgage, Inc.
ATTN: CCPA Clerk
2659 Townsgate Road, Suite 236
Westlake Village, CA 91361

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Golden Empire Mortgage
marketing@gemcorp.com

Mortgage Calculators

  • How Much Will My Payments Be Calculator? Icon

    Monthly Payment

    This calculator computes the payments of principal and interest based upon a home price, down payment and other factors.

  • Refinance Calculator Icon

    Refinance

    Compare different mortgage terms and calculate your refinance savings.

  • Affordability Calculator Icon

    Affordability

    This calculator computes the finance amount, based upon income, expenses, credit rating and other factors to determine how much home can I afford.

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What they're saying about GEM...

  • We loved that they are very responsive to our many questions. Very professional yet friendly...something very helpful throughout such an important process. We will definitely recommend Frank to everyone we know!
    Eroez L
  • Overall, a great refinance experience! Olivia provided superb customer service & secured me an amazingly low interest rate! 10/10!
    RUDOLPH C
  • The entire process was easy and fast. Everyone was very friendly and professional. It was an all around great experience and I would highly recommend this company to everyone!
    Karen V
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4.94

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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 Financial Protection and Innovation 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. Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Department of Consumer and Business Services, Division of Financial Regulation. 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.