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Bakersfield

4200 Truxtun Avenue
Bakersfield, CA 93309

Houses Background

FHA Mortgage

Many first time homeowners are choosing to consider FHA insured loan programs which can permit an easier time to qualify for a mortgage loan with as little as 3.5% down payment limiting your upfront costs.

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Conventional Fixed Rate Mortgage

Conventional fixed rate loans are offered up to a 30 year term and are made available through government sponsored organizations known as Fannie Mae and Freddie Mac.  The fixed rate and payments are fixed for the life of the loan dependent upon the term selected.

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VA Home Mortgages

VA homes are available to help veterans, active duty military, National Guard, reservists, and surviving spouses to afford the homes they deserve.  The Department of the Veterans Affairs determines the eligibility dependent upon the length and type of service by the service member.  

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Adjustable Rate Mortgage (ARM)

ARM loan are loans based upon market indexes that become adjustable after a fixed rate period between 5, 7 or 10 years.  The interest rate could go up or down dependent upon the market factors.  Typically starting ARM rates can be lower than traditional fixed rate mortgages.

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Downpayment Assistance

Are you a homeowner in search of the perfect home, but are confused about the different options available when it comes to home financing?

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About Us

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years.

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Loan Products

Contact one of our experienced Loan Professionals today to find out more about how GEM Mortgage can help choose the perfect home loan option for your financing needs.

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Golden Empire Mortgage
NMLS ID:244126
Office: (661) 664-2780
4200 Truxtun Avenue Bakersfield, CA 93309
Mortgage Calculators
  • How Much Will My Payment Be?
    Monthly Payment

    Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.

  • Refinance Calculator
    Refinance

    Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

  • Affordability Calculator
    Affordability Calculator

    How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

What they're saying about GEM...

  • Mark was fantastic. Made purchasing my first home easy and exciting. Mark was always available and responsive with all the information needed for the loan process . 10/10
    Marco C
  • Very easy person to talk to, friendly, outgoing. Amazing at responding back.
    Juan M
  • Hilda explained to us the process and options very well. We're also very glad she has a great assistant by her side Tiffany. We will for sure recommended your team with our family and friends.
    Edith G

4.94

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