10631 Paramount Blvd. Suite A
Downey, CA 90241

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:258715
Office: (562) 677-1505 ofc (310) 560-6955 cell
10631 Paramount Blvd. Suite A Downey, CA 90241
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

    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...

  • 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


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