My Team and I have dedicated ourselves to deliver an incredible amount of value to our clients. For this reason, we are committed to making a difference for our clients and take a great deal of personal satisfaction in helping our clients reach their goals.
"When people save hundreds of dollars a month and increase their tax deductions, their entire lifestyle can change!"
We recognize that the mortgage industry is fiercely competitive and requires top-notch skills to succeed. This is why we have dedicated ourselves over the years to acquire the necessary skills and knowledge to perform at the highest level.
As Certified Mortgage Planners, we help each client successfully manage his or her home equity. In fact, more than ever, our client's mortgage has become a unique tool to create wealth! Over the past 9 years, we have helped over 1,500 families achieve their dream of home ownership.
"Americans devote the largest portion of their incomes to housing. Consequently, how you handle the purchase or refinance of your home will have far-reaching implications on virtually every facet of your financial life, including your ability to save, pay for college and plan for retirement."
For this reason, my Team and I continually look forward to making a difference for our clients, as well their friends and family. We thrive in making the dream of homeownership be a reality - one client at a time. Hence, we put people before profits and reputation before revenue.
OUR SERVICES
GEM Mortgage enjoys full approval as an FHA Direct Endorsement Lender, a VA Automatic Lender, and a Freddie Mac Seller/Servicer, as well as a Fannie Mae, CalPERS, and CalHFA Lender, among other agencies. This allows us to offer the widest range of products to choose from for our client’s financing needs. GEM Mortgage offers a wide range of residential loan programs:
Adjustable and Fixed Loans
First Time Home Buyers Loans
Conventional and Government Loans (FHA/VA)
Non-Owner/Investment Loans
100% Financing Home Equity Line of Credit (HELOC)
Debt Consolidation Loans
Cash-Out Refinances Loans for People with Credit Challenges
By staying on the cutting edge of technology, offering the most innovative programs available, and having built a solid reputation of excellence within the mortgage industry, GEM Mortgage is able to offer its clients the services of a "giant" lender without the "corporate conglomerate" feel. These facets are what allow us to provide the best customer service in the business today and to stay "A Cut Above."
Find the solution that fits your needs.
Purchasing a Home?
Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.
Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.
Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.