About us
Vero Mortgage
Vero Mortgage, a proud division of Golden Empire Mortgage (GEM), serves homebuyers in Visalia, California and throughout Tulare. With nearly 30 years of experience, we are proud to be one of the most respected lenders in the mortgage industry.
At Vero Mortgage, we believe every customer deserves access to credit. Our motto, “our customers are our business,” reflects our commitment to excellence.
We focus on integrity, knowledge, and personalized service—backed by cutting-edge technology and competitive rates—to help you achieve your homeownership goals.
MEET OUR TEAM
Ahide Garcia
Loan Officer
Alfonso Solis
Loan Officer
Allyson Goulart
Amber Payne
Loan Officer
Amy Cortes
Loan Officer
Andrew Abaya
Anthony Gonzales
Loan Officer
Barbara Ellis
senior Loan Originator
Brandy Valencia
Loan Originator
Brianna Taff
Loan Officer
Bryan Montes
Loan Originator
Cheryl Byl
Loan Originator
Cheryl Reid
Loan Originator
Craig Sweeney
Cynthia Solis
Loan Officer
Diana Stuhaan
Loan Officer
Dustin Shepherd
LO Assistant/Loan Originator
Erica Aldaco
Loan Originator
Faith Sierra
Business Development Manager/MLO
Freddy Arreola Recinos
Gabriel Correa
Loan Officer
Gary Anderson
Loan Officer
Jeremy Engle
Loan Officer
Jessica Souza
Loan Officer
Jim Allred
Loan Originator
Jocelyn Webster
Loan Officer
Laporsha Foster
Loan Officer
Leo Espino
Sr. Loan Officer
Mary Espino
Loan Officer
Maria Valladares
Loan Officer
Matthew Van Scyoc
Loan Originator
Michele Engle
Branch Manager
Mike Huerta
Loan Officer
Nadia Hernandez
Loan Originator
Nathan Sahagun
Patricia Jimenez
Loan Officer
Ruth Campos
Loan Officer
Sheila Brown
Branch Manager
Tanya Hite
Todd Fitton
Loan Officer
HOW TO
GET APPROVED
01 pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
02 FIND your home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
03 Submit your loan application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
04 underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
LOAN PROGRAM TO FIT ALL DREAMS
A Home Equity Line of Credit (HELOC) gives homeowners access to revolving credit based on their home’s equity, offering flexible funds for major expenses or projects.
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.
Investment Property Loans are designed for purchasing or refinancing rental homes, offering financing options that support income-generating real estate investments.
Investment Property Loan
Rental purchase. Refinance options.
Second Home Loans offer financing for vacation homes or seasonal getaways, providing flexible options to fit different budgets and lifestyles.
Second Home Loan
Vacation home. Flexible options.
Construction Loans provide funding to build a new home from the ground up, covering costs throughout the construction process with flexible terms.
Construction Loans
Build new. Full funding.
Renovation Loans allow borrowers to finance home improvements and repairs as part of their mortgage, making it easier to upgrade or customize a property.
Renovation Loan
Finance upgrades. Simple process.
USDA Loans feature zero down payment options for eligible rural and suburban buyers, helping more households achieve homeownership with affordable financing.
USDA Loan
Zero down. Rural homes.
Reverse Mortgages allow homeowners age 62 and older to convert home equity into cash, providing financial flexibility without monthly mortgage payments.
Reverse Mortgage
Convert equity. No payments.
VA Loans are exclusive to veterans and active-duty military members, offering no down payment, flexible qualifications, and additional savings compared to traditional loan programs.
VA Loan
Veteran benefit. No down payment.
FHA Loans are government-backed programs that allow for lower down payments and easier qualifications, making homeownership accessible to first-time buyers and those with limited savings.
FHA Loan
Low down payment. Easier approval.
Jumbo Loans are designed for higher-priced homes that exceed conventional limits, providing flexible financing solutions for buyers purchasing in more expensive markets.
Jumbo Loans
Large loans. Higher limits.
Conventional Loans follow standard lending guidelines and offer flexible terms, making them a popular option for qualified borrowers seeking competitive rates and customizable financing.
Conventional Loans
Popular option. Flexible terms.
Adjustable Rate Mortgages (ARMs) offer lower initial interest rates that adjust over time, making them a smart choice for buyers who expect to move or refinance within a few years.
Adjustable Rate Mortgage
Flexible rates. Potential savings.
Fixed Rate Mortgages provide long-term stability with a consistent interest rate and predictable monthly payments, ideal for homeowners who plan to stay in their home for many years.
Fixed Rate Mortgage
Consistent rate. Predictable payments.
why our clients
love us
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”