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Golden Empire Mortgage Refinance

in Mortgage Refinance from Golden Empire Mortgage · NMLS ID #2427

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Golden Empire Mortgage Refinance

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in Mortgage Refinance from Golden Empire Mortgage · NMLS ID #2427

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Highlights
Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 10 - 30 years

Golden Empire Mortgage Refinance Review

Golden Empire Mortgage Refinance is offered by Golden Empire Mortgage (NMLS #2427), a direct lender founded in 1987 and based in Bakersfield, CA. Golden Empire Mortgage Refinance is available in 7 states across the USA.

Key Takeaways
  • Mortgage programs available. Golden Empire Mortgage Refinance refinances FHA, HARP, HomePath, USDA, VA, conforming, and conventional mortgages.
  • Interest Rate Types. Golden Empire Mortgage Refinance offers hybrid mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.
Golden Empire Mortgage Refinance Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • No co-sign option.
  • Only available in 7 states.
Golden Empire Mortgage Refinance FAQ

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

The term of a mortgage refinance will impact 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 Refinance offers mortgages refinancing with terms ranging from 10 to 30 years.

Does Golden Empire Mortgage Refinance charge a mortgage origination fee?

Yes, Golden Empire Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Golden Empire Mortgage Refinance offer?

Golden Empire Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • HARP: A mortgage refinance program for home loans owned or backed by Fannie Mae or Freddie Mac. No minimum credit score or value appraisal required.
  • HomePath: Financing for the purchase and improvement of properties owned by Fannie Mae.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Golden Empire Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Golden Empire Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Other Services by Golden Empire Mortgage

Availability

  Available in 7 states
  • Arizona
  • California
  • Colorado
  • Hawaii
  • Oregon
  • Texas
  • Washington

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Loan Term 10 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • HARP
  • HomePath
  • USDA
  • VA
Terms 1/1, 3/1, 5/1, 7/1, 10, 15, 20, 30 years

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