Our Loan Programs

Nov 3
Category | General

Of course, we offer the standard conforming and non-conforming, conventional and government loan programs which are offered throughout the industry. However, we are always working to develop new and innovative financing options to help you help your clients achieve the dream of home ownership!

Our GEM Platinum Program, for example, allows you to combine an FHA 30 year fixed with a 3% grant to help your buyers hold onto their liquid assets as reserves or to add the finishing touches it takes to personalize a new home.

Welcome to our website!

Nov 3
Category | General

GEM Mortgage was founded by CEO, Howard Kootstra in July of 1987. Headquartered in Bakersfield, CA. GEM is an approved lender with Fannie Mae, Freddie Mac, VA, and is an FHA Direct Endorsement lender with established relationships with some of the most desirable correspondent investors in the industry.

In 2015, Golden Empire Mortgage had 62 branches and funded over 1.8 billion dollars in home mortgages.

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© 2019 Golden Empire Mortgage. All Rights Reserved.
Consumer Complaint| Contact Us| Privacy & Security| SAR Report| NMLS # 2427| NMLS Consumer Access

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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