Plaza Residential 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.
Golden Empire Mortgage
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What they're saying about GEM...
We are first time home owners and Sergio was there every step of the way. He told us to call him anytime whenever we had questions and he always had them. I used my VA loan with him and he told us all the perks we get with it.Jose G
Although my work schedule was all of the place, Sergio was available to answer any questions and concerns regardless of the time. From late night messaging to early phone calls. He was always available and explained thoroughly my questions.Irma G
Sergio always answered my questions and even made a 2 hour trek to our loan signing to make sure to explain our documents clearly and concisely.Natalie R