About us
GEM Mortgage
Golden Empire Mortgage, Inc., a proud division of Golden Empire Mortgage (GEM), serves homebuyers in Camarillo, California and throughout Ventura. With nearly 30 years of experience, we are proud to be one of the most respected lenders in the mortgage industry.
At Golden Empire Mortgage, Inc., we believe every customer deserves access to credit. Our motto, “our customers are our business,” reflects our commitment to excellence.
We focus on integrity, knowledge, and personalized service—backed by cutting-edge technology and competitive rates—to help you achieve your homeownership goals.
HOW TO
GET APPROVED
01 pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
02 FIND your home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
03 Submit your loan application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
04 underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
LOAN PROGRAM TO FIT ALL DREAMS
A Home Equity Line of Credit (HELOC) gives homeowners access to revolving credit based on their home’s equity, offering flexible funds for major expenses or projects.
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.
Home Equity Line of Credit (HELOC)
Investment Property Loans are designed for purchasing or refinancing rental homes, offering financing options that support income-generating real estate investments.
Investment Property Loan
Rental purchase. Refinance options.
Investment Property Loan
Second Home Loans offer financing for vacation homes or seasonal getaways, providing flexible options to fit different budgets and lifestyles.
Second Home Loan
Vacation home. Flexible options.
Second Home Loan
Construction Loans provide funding to build a new home from the ground up, covering costs throughout the construction process with flexible terms.
Construction Loans
Build new. Full funding.
Construction Loans
Renovation Loans allow borrowers to finance home improvements and repairs as part of their mortgage, making it easier to upgrade or customize a property.
Renovation Loan
Finance upgrades. Simple process.
Renovation Loan
USDA Loans feature zero down payment options for eligible rural and suburban buyers, helping more households achieve homeownership with affordable financing.
USDA Loan
Zero down. Rural homes.
USDA Loan
Reverse Mortgages allow homeowners age 62 and older to convert home equity into cash, providing financial flexibility without monthly mortgage payments.
Reverse Mortgage
Convert equity. No payments.
Reverse Mortgage
VA Loans are exclusive to veterans and active-duty military members, offering no down payment, flexible qualifications, and additional savings compared to traditional loan programs.
VA Loan
Veteran benefit. No down payment.
VA Loan
FHA Loans are government-backed programs that allow for lower down payments and easier qualifications, making homeownership accessible to first-time buyers and those with limited savings.
FHA Loan
Low down payment. Easier approval.
FHA Loan
Jumbo Loans are designed for higher-priced homes that exceed conventional limits, providing flexible financing solutions for buyers purchasing in more expensive markets.
Jumbo Loans
Large loans. Higher limits.
Jumbo Loans
Conventional Loans follow standard lending guidelines and offer flexible terms, making them a popular option for qualified borrowers seeking competitive rates and customizable financing.
Conventional Loans
Popular option. Flexible terms.
Conventional Loans
Adjustable Rate Mortgages (ARMs) offer lower initial interest rates that adjust over time, making them a smart choice for buyers who expect to move or refinance within a few years.
Adjustable Rate Mortgage
Flexible rates. Potential savings.
Adjustable Rate Mortgage
Fixed Rate Mortgages provide long-term stability with a consistent interest rate and predictable monthly payments, ideal for homeowners who plan to stay in their home for many years.
Fixed Rate Mortgage
Consistent rate. Predictable payments.
Fixed Rate Mortgage
why our clients
love us
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”