Jesus Ojeda Loan Officer
Janine Ayala Loan Originator
Raul Ayala Mortgage Banker
Carl Harrison Mortgage Banker
Rene Martinez Loan Officer
Emilio Cortes Loan Officer
Oscar Aviles-Soto Loan Officer
Michael Michel Loan Officer
Frank Salazar The Mortgage Professional - Branch Manager
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.
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.
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.
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.
Golden Empire Mortgage
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this 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...
- Carl has been a family friend for quite Some time now. We initially started our journey with Carl back in 2018. He advised my wife and I what we should do in order to better position ourselves for the home buying process. We took his advice and buckled down on our finances. Thinking we were ready, we went back to him a second time with what we thought we were capable of and he brought us back dowRyan Reid
- Carl was so helpful every step of the way. He was supportive and patient. Gave me advice when I asked for it, explained things clearly. Sylvia was great also. Thank you a great experienceGeorgia Wages
- Everyone was helpfu & professional, thely answered all,of our questions with enthuisiasm. A great team to work with!Leif Torgerson