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.
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What they're saying about GEM...
- Brad has been and continues to be absolutely FANTASTIC! We have worked with him before and it was our pleasure to work with him again. He is always extremely helpful, communicative and patient. We don’t have enough good things to say about him! He deserves all of the awards!Demetrius V
- Lyle helped us navigate through the process of buying our home step by step all the way to the finish line. Thank you!!Rogerio H
- Lyle is a awesome guy. He takes his time explaining each step of the loan process. Plus, he is always available when I have a question and is able to provide a great answer. I’m very lucky to have a guy like that handle my loan.Joshua Y