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.
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What they're saying about GEM...
- Rene was AMAZING! He was always attentive and made sure to communicate all the information in a timely manner. The connection he has with clients is very unique. He always answered our questions and made sure we were comfortable with making decisions. I have worked with Rene for almost 10 years now in different occasions and he always exceeds expectations.Maria Hernandez
- We have worked with Rene several times in the past. Have referred him family as well. He continues to make life easy during the process of the transaction working with us so we close fast. I recommend Rene to all and I will for sure continue doing business with him. Thank you Rene!Joshua Hernandez
- Rene is very knowledgeable, and was able to answer our questions in a clear and understandable manner. Rene made himself available to us after business hours and on weekends, to accommodate my husband's schedule. Rene guided us through this process in a very professional manner and earned our trust. Working with Rene has been a great experience!Janice Salas