Where does Golden Empire Mortgage do business?

Golden Empire Mortgage is a direct lender based in Bakersfield, CA. The company was founded in 1987 and offers mortgage refinancing to borrowers in 7 states across the USA.

What is the maximum loan term for a mortgage refinance via Golden Empire Mortgage?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Golden Empire Mortgage offers mortgages refinancing with terms ranging from 10 to 30 years.

Does Golden Empire Mortgage charge a mortgage origination fee?

Yes, Golden Empire Mortgage may charge a loan origination fee.

Does Golden Empire Mortgage charge prepayment fees?

Yes, Golden Empire Mortgage charges additional fees to borrowers who pay off their home loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What mortgage programs does Golden Empire Mortgage offer?

Golden Empire Mortgage offers the following mortgage programs:

  • Conventional mortgages
  • FHA
  • HARP
  • HomePath
  • USDA
  • VA

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
  • Secondary homes and vacation properties
  • Inestment properties and house flipping projects 

  • Institution Type
    Direct Lender
  • Intended Use
    • Investment/House Flipping
    • Primary Home
    • Secondary Home
  • Loan Amount
    Up to $3000000
  • Loan Term (Years)
    10 - 30
  • Terms
    1/1, 3/1, 5/1, 7/1, 10, 15, 20, 30 years
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