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Home Products Resources Calculators Down Payment Assistance About Branch Testimonials Careers Apply Now ] Oxnard 2775 N. Ventura Road Oxnard, CA 93036 Oxnard Team Jesus Ojeda Loan Officer Raul Ayala Mortgage Banker Carl Harrison Mortgage Banker Rene Martinez Loan Officer Emilio Cortes Loan Officer Oscar Aviles-Soto Loan Officer Michael Michel Loan Officer Frank Salazar The Mortgage Professional - Branch Manager Our Products Ask GEM Contact Us 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. Learn more 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. Learn more 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. Learn more 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. Learn more 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? Learn more 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. Learn more 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. Learn more Didn't Find an Answer? We know that it isn't easy to find your answers at once. Reach out to us by filling this form and we will reach back in 24 hours. Learn more Golden Empire Mortgage NMLS ID:247116 Office: (805) 351-4756 2775 N. Ventura Road Oxnard, CA 93036 First Name Last Name Email * Phone Message Subject Spam Field Mi Purpose Buying a first home Remodel or Renovation Refinancing a current mortgage Buying a second home I am a Real Estate professional looking to help my client Something Else Re-assign Lead Oxnard Rene Martinez Emilio Cortes Oscar Aviles-Soto Michael Michel Carl Harrison Frank Salazar Raul Ayala Jesus Ojeda Referral source description How did you hear about us? * Lead Loan Amount Lead Home Price Loan Purpose Loan Purpose Purchase Refinance Location * Location Name Unit Address Address 2 Zipcode City State Select a state Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Mortgage Calculators Monthly Payment Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes. Refinance Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this 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. View All What they're saying about GEM... A very “smooth” experience. Every question and concern answered within a timely manner and in detail. Very professional and very welcoming staff. Couldn’t ask for a better experience. James S Frank is a straight up guy and now is part of the “Family” we consider him a friend. He is polite And handles thing very professionally Michael C Frank, Emilio, Ashlee and the rest of their team were so wonderful throughout our home loan process! My husband and I were first time home buyers and they were very patient and thorough with us, making sure we understood each step of the process. The whole thing was so smooth and easy; we couldn’t have asked for a better experience! Briana S View All 4.94 Your needs meeting our expertise Apply Now NMLSID 247116 ©2021 Golden Empire Mortgage. All Rights Reserved Consumer Complaint | Privacy Notice | Suspicious Activity Report | NMLS # 2427 | NMLS Consumer Access | Accessibility Statement Home Products Resources About Branch Do Not Sell My Info Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Financial Protection and Innovation pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows: Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions. Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate. Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Department of Consumer and Business Services, Division of Financial Regulation. Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions. Please ensure Javascript is enabled for purposes of website accessibility...