let’s get started with the
right mortgage solution

apply today

PURCHASE

Get pre-approved for a purchase loan.

Start here

REFINANCE

Get a lower mortgage rate or new term.

Start here

EQUITY

Consolidate your bills or access to cash.

Start here

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!

Application
Verification
Approval
Closing

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frequently asked
questions

Golden Empire Mortgage, Inc.

NMLS# 2427

(800) 520-3724

1200 Discovery Drive, Ste. 300, Bakersfield, California 93309Social Icons

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 California and throughout the United States in the additional states by clicking here.

let’s get started with the right mortgage solution

PURCHASE

REFINANCE

EQUITY

4 Easy Steps.

HOMEConnect is for homebuyers

Application

Verification

Approval

Closing

frequently asked questions

When do I get approved for a mortgage?

What is the difference between pre-qualification and pre-approval?

How much money do I need for a down payment?

What documents will I need to apply?

Will applying for a mortgage hurt my credit score?

Can I buy a home if my credit is not perfect?

How long does the mortgage process take?

let’s get started with the
right mortgage solution

frequently asked
questions