
Golden Empire Mortgage Home Loans
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Community Rating |
Rating not yet determined |
Loan Amount | Up to $3,000,000 |
Loan Term (Years) | N/A |
Credit Score Range | N/A |
No Origination Fee | N/A |
Golden Empire Mortgage Home Loans Review
Golden Empire Mortgage Home Loans are offered by Golden Empire Mortgage (NMLS #2427), a direct lender founded in 1987 and based in Bakersfield, CA. Golden Empire Mortgage Home Loans are available in 7 states across the USA.
Key Takeaways
- 4 different mortgage programs offered. Golden Empire Mortgage Home Loans offers FHA, HomePath, USDA, VA, conforming, and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, Golden Empire Mortgage Home Loans does offer financing for primary and secondary homes (e.g. vacation properties).
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Golden Empire Mortgage Home Loans Pros & Cons
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Golden Empire Mortgage FAQ
How much can you borrow via Golden Empire Mortgage?
Golden Empire Mortgage allows borrowers to apply for loan amounts of up to $3,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What mortgage rates does Golden Empire Mortgage offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, Golden Empire Mortgage may charge a loan origination fee.
What mortgage programs are available?
Besides conventional mortgages, Golden Empire Mortgage offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- HomePath: Financing for the purchase and improvement of properties owned by Fannie Mae.
What property usage types does Golden Empire Mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Golden Empire Mortgage allows the following property usage types:
- Primary home
What is the customer service phone number?
The customer service number for Golden Empire Mortgage Home Loans is (661) 328-1600.
What is the support contact email?
The support contact email for is bweide@gemcorp.com.
Contact
- Headquarters
-
1200 Discovery Drive, Third Floor
Bakersfield, CA 93309 USA - (661) 328-1600
- Visit Site
- Email Support
Other Services by Golden Empire Mortgage
Availability
- Arizona
- California
- Colorado
- Hawaii
- Oregon
- Texas
- Washington
Golden Empire Mortgage Home Loans Community Reviews
Would you recommend Golden Empire Mortgage Home Loans to your friends?
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