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
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.
How much you can borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.
What they're saying about GEM...
- Todd and his loan processor, Claudia, did a wonderful job for us. They kept us informed every step of the way and made refinancing our home very simple and quick. They were always easy to communicate with and they responded to our questions in a very timely manner. We will definitely recommend their service to our friends! Thank you Todd and Claudia for proving great service!Robin R
- Quick and relatively painless refinanceMatthew D
- Sergio and his team worked hard to complete our loan Can not thank them enough Highly recommend The MartinsKendall M