Blue Vista Mortgage
Blue Vista Mortgage Team
Michelle Ota
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.
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.
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.
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.
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?
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.
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.
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Golden Empire Mortgage, Inc.
ATTN: CCPA Clerk
2659 Townsgate Road, Suite 236
Westlake Village, CA 91361
Mortgage Calculators
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What they're saying about GEM...
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First time home buyer savings.Jerald Ingram
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Great experience, very easy to work with. Helped me with first time homebuyer programs and were very patient through all my 100s of questionsMaria Mirza
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She was responsive even through a death of her very close family member. She was great. I also want to highlight Sarah who was also wonderful. They make a great team and did an amazing job! They are wonderful people and very easy and great to work withMaria Mirza
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I recently had the pleasure of working with Michelle while buying our first home, and I can't recommend her enough! From day one, she kept me in the loop and made sure I understood each step of the process. I was pretty clueless about home buying, but Michelle took the time to explain everything cle ...Albert Rilloraza
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YOU DID A GOOD JOB. THANK YOU!Nelia Rilloraza
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We had a great experience working with Michelle and her associate, Sarah, on our first home purchase. Everything was handled efficiently, and we closed on time thanks to Michelle’s effective handling of any issues. Highly recommend!Sun Jin Park
4.89
