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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844-959-0618
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Write to us at:
Golden Empire Mortgage, Inc.
ATTN: CCPA Clerk
2659 Townsgate Road, Suite 236
Westlake Village, CA 91361
Mortgage Calculators
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Monthly Payment
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Refinance
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Affordability
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What they're saying about GEM...
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work is done quickly.Janice W
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I appreciate Michelle help us a lot with their loan options when other lenders couldn't suggest us anything that fits our financial situation.Yohei N
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Michelle is very knowledgeable and made the whole process easy and stress free!Anthony T
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She took care our loan procedure very well. So we are very assured while working with her. She is very responsible!!!Sunjeong P
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Michelle was on top of everything at every stage of the transaction. Although there were several setbacks during the loan process, Michelle was able to quickly pivot and find solutions for us. She was very communicative and worked hard for us despite her busy schedule.Du A
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What made my experience working with Michelle great is that she is on top of her game and all facets of the lending business. She is very knowledgeable and advised me on the proper steps to take to save money, and made sure that my refinance/purchase was both cost effective and done properly. She re ...Kimberly S
4.89