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Home Products Resources Calculators Down Payment Assistance About Me Testimonials Careers Apply Now Mary Vera Branch Manager Alamo Direct 925-626-4616 Cell 925-788-9513 mvera@gemcorp.com About Mary Vera Branch Manager Alamo Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you! With Golden Empire Mortgage you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team. Competitively Priced Loan Programs: Purchase, Rate and Term Refinance, and Cash-out Refinance Programs Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs) Jumbo, Portfolio & Investor Products FHA / VA / USDA We're here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs. Get Started 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: 242706 Office: Direct 925-626-4616 Mobile: Cell 925-788-9513 mvera@gemcorp.com 3189 Danville Blvd Suite 225 Alamo, CA 94507 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 Mary Vera 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... I’m so grateful for Mary. No matter what situation she always finds a solution, that is why I will always come to her for my home needs. Thank you Mary. Angelica C Great communication and very professional. Oscar R Thank you for all your help Mary I will definitely recommend your services to others. Jose R View All 4.94 Your needs meeting our expertise Apply Now NMLSID 242706 ©2019 Golden Empire Mortgage. All Rights Reserved Consumer Complaint | Privacy Notice | Suspicious Activity Report | NMLS # 2427 | NMLS Consumer Access | Accessibility Statement Home Products Resources About Me 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...