AVAILABLE LOANS

Your Financing Options

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. Contact us for information about different types of mortgage loans and We’ll be happy to explain them and help you find one that suits your needs and preferences.

FHA LOANS

Buy a home with as little as 3.5% down payment. Offers some of the lowest rates on the market. Minimum FICO score requirement of 580. Ask us about closing cost assistance and our down payment assistance program!

VA LOANS

The VA Loan program is specific loan for those who have served our country. This program offers 100% financing with the lowest interest rates on the market. Minimum FICO score requirement of 580 required and we can offer closing costs assistance as well!

CONVENTIONAL LOANS

Down Payment requirement as little as 5%. Mortgage insurance is not required with a down payment of 20% or more. Minimum FICO score requirement of 620. Ask us how we can help with your closing costs!

CALHFA DOWN PAYMENT ASSISTANCE PROGRAM

This first time home buyer program offers down payment assistance, having you come in with very little to no money down. CalHFA is a government agency we work with to make home ownership that much easier!

MANUFACTURED HOME FINANCING AVAILABLE!

FHA, Conventional, and VA Manufactured Home financing is available! Property must be on permanent foundation and built after July of 1976.

TWO MORTGAGE GUYS

Golden Empire Mortgage dba Two Mortgage Guys
26413 Jefferson Ave, Unit E
Murrieta, CA 92562
USA

951-473-4733

951-677-0600

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 BUSINESS OVERSIGHT 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 DIVISION OF FINANCE AND CORPORATE SECURITIES, DEPARTMENT OF CONSUMER AND BUSINESS SERVICES.

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.