Rebecca Wegman, EVP/Operations at GEM (Golden Empire Mortgage) says, "GEM is all about helping homebuyers achieve the American Dream of Homeownership".

Bakersfield, California, March 5, 2016 ( - ​When it comes to having a great team of people with an amazing culture and business philosophy, GEM Mortgage comes to mind. We recently had the opportunity to catch up with Rebecca Wegman, EVP of Operations at GEM Mortgage, a division of Golden Empire Mortgage, who spoke briefly of GEM’s business philosophy.

Wegman says: “GEM has been a respected lender for nearly thirty years. One of the cornerstones of GEM's business philosophy is that we believe in the American dream of homeownership. GEM has long been a firm believer in helping people finance the American dream while establishing long-term realtor relationships. After all, it’s about building American pride in local communities, one mortgage at a time”.

Of the purchases — and, it depends on the market area — approximately 35 percent were distressed sales. Though the real estate market has improved, prices for home sales have maintained a level that still allows people to qualify for a mortgage and own a home. GEM is seeing a lot of people taking advantage of that situation. Investment properties are also fairing better even with the need for adherence to new guidelines issued by Fannie Mae and Freddie Mac.

“However GEM isn't just about mortgages”, continues Wegman. “It's about people! Everyone at GEM....


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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 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.

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.

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