Howard D. Kootstra is the President and Chief Executive Officer of Golden Empire Mortgage. They are headquartered in Bakersfield, California and are a locally owned, multi-state, multi-branch Mortgage Company. Golden Empire Mortgage Inc serves borrowers in the states of Arizona, California, Nevada, Oregon and Washington. They claim to have the largest correspondent investor base in the industry. Golden Empire utilizes the latest technology for loan searching, pricing and automated underwriting. They are committed to team work and will make the most important financial decision of their client’s life a painless experience.
The Golden Empire Mortgage Website is loaded with informative financial calculators. The calculators range from home financing to personal financing, investment calculators, retirement calculators and even to lease calculators. If one wants to compare renting to buying or learn which type of loan is better, fixed or adjustable, the information is on the financial calculator pages of Golden Empire Mortgage.
Once armed with this knowledge the borrower can better formulate his financial plan. When he has decided to apply for a loan the customer goes to the branch locator page and chooses a branch of Golden Empire Mortgage convenient to him. He can then prequalify online, search for a home in the right price range and return to complete the loan process.
Golden Empire Mortgage is fast and easy. The online application can be completed in as little as twenty minutes, with the documentation determined by the applicant. The document verification will take three to seven days and the underwriting from two hours to two days. An approval will come one to twelve hours after that and the closing in one to five days. All in all the Golden Empire Mortgage time from application to closing is 7 to 21 days where other lenders may take 30 to 60 days to accomplish the same thing.
Loans offered by Gold Empire Mortgage
Having a huge investor base makes for a vast array of loan programs. Here are just a few:
- 15 and 30 Year Fixed Rate Mortgage
- 10/1, 7/1, 3/1, 1 Year, 6 Month and 1 Month Adjustable Rate Mortgages
- 7and 5 Year Balloon Mortgages
- First Time Buyer Programs
- Stated Income Programs
- No Points/No Fees Programs
- Imperfect Credit Programs
- Home Equity Loans
- Home Equity Lines of Credit
- Piggyback Loans
- Debt Consolidation Programs
- Home Improvement Loans
Having a satisfied customer is important to Golden Empire Mortgage. Their goal is to make the loan process hassle free and as simple as possible. Try them and see if they really are a G.E.M.!
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