Terry B.
Santa Clara, CA

GEM is the BEST mortgage company on the planet! I chose Golden Empire Mortgage because it is a company that is competitive, caring, technological and innovative. GEM is a company that always has its heart in the right place to help the loan officer provide the best mortgage experience for its clients and customers! In our industry, it is not uncommon for loan officers to switch companies to try and better themselves! Although many mortgage professionals choose to move from company to company, I will always maintain deep roots at GEM. GEM is my family!


Mark Wilson
Portland, OR

Golden Empire Mortgage’s professionalism and dedication is unsurpassed.

The exceptional knowledge and support from their Corporate Team is unparalleled when it comes to closing transactions.

They continually make my job easier!


Neil McNaughton
Morgan Hill, CA

I worked with Howard Kootstra and GEM Mortgage for many years, but in 2003, the branch I worked with left GEM for another opportunity.

Recently, we decided to re-unite with GEM and I was impressed that quite a few of the people are still there from our previous association. This is a sign of stability, to say nothing of the growth the company has experienced.

We are excited to be back!


Maurice Byrne
Whittier, CA

I appreciate that GEM works to ensure that we are in compliance when processing our loans. They focus on the ever changing laws, which frees me up to focus on originating loans.

Secondly, GEM handles all of my payroll, benefits, office expenses, etc.

All of the typical headaches of being a broker, operating on my own, slipped away when I joined the GEM Mortgage family!!!


Mike Berrios
Rancho Cucamonga, CA

GEM Mortgage has been key in the success of our office and our loan officers. From the receptionist at corporate to the individuals who run this company, they have all been very helpful and make us feel we are part of a bigger family. Being part of the GEM family assures us that we are going to be in business for a long time.

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Consumer Complaint| Privacy & Security| NMLS # 2427

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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