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.
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.