Frank Salazar
Oxnard, CA

Golden Empire Mortgage has been my home for almost two decades. As a branch manager I have direct access to company executives who provide the counsel and support needed to run, not only a successful branch, but be able to achieve top accolades and industry recognition. Consistently we have been able to be a top loan closing branch excelling with both A-paper transactions as well as difficult to close deals. GEM’s people are the best, allowing us for o easily recruit and maintain a top team of lending and support staff, keeping us on the cutting edge of product, technology and service. We are leaders in the industry because of the GEM culture. I am proud to be with Golden Empire Mortgage and I am here to stay!


Manuel Corral
Pomona, CA
January 19, 2018

I have been in the mortgage industry since 1979 and have consistently been at the top of mortgage originators across the country. One of the things that is required to maintain lending excellence is the company that I work for. Golden Empire Mortgage has been the foundation of my lending business for over 20 years.

GEM has the management team, marketing and technical support, and people that have allowed me to build a team that shines above all others. Without the backbone of a company like GEM I would not have been able to achieve multiple years of recognition from national mortgage associations of all kinds.

GEM has allowed me to excel to the top of my game closing over 5000 loans for over $1 Billion Dollars in lending volume. GEM has been, is, and will always be my home. If you are looking for a company to hang your license that will allow you to build a lending empire look no further. And as a consumer turn to GEM for all of your lending needs.


Terry Bleecker
Santa Clara, CA

GEM is the BEST mortgage company on the planet! I chose Golden Empire Mortgage because it is a company that is competitive, caring, technological and innovative. GEM is a company that always has its heart in the right place to help the loan officer provide the best mortgage experience for its clients and customers! In our industry, it is not uncommon for loan officers to switch companies to try and better themselves! Although many mortgage professionals choose to move from company to company, I will always maintain deep roots at GEM. GEM is my family!


Roland G.
Vista, CA

I recently purchased a condo with the help of Homeowners Financial. Henry and Melanie made the experience smooth and seamless. We closed on time and I was very satisfied. I would highly recommend this company and look forward to doing business with them again!


Danilo C.
Vista, CA

I have worked with Henry for over 20 years! Between buying a home, refinancing, selling my home, and now my children buying their first homes, I can tell you HE IS LEGIT, professional, and always has the best interest of his clients! His team is dedicated to making the experience an easy one, and if there was ever a bump in the road, they will call, keep you updated, and make it happen! I wouldn't trust anyone else with this kind of investment. Even when I bought a property out of state in AZ a few years back, I made sure he referred me to someone he knew and trusted out there. Bottom line, Call Henry for any mortgage needs! You won't be sorry!


Chris D.
Vista, CA

Great company to deal with, the people here are awesome and willing to do what it takes to get things done for you.


Jake C.
San Diego, CA

Henry and his team did a great job helping us buy a house in record time. Would highly recommend using him for a home loan.


Robert F.
Carlsbad, CA

I bought a home with Henry's help in Feb 2014. I'm a small biz owner and it was harder to get approved at other lenders. Henry worked with us and we are extremely happy with our new home. Highly recommend Henry since he worked many years as a real estate agent and now devotes all his time to mortgages.


Tia B.
San Marcos, CA

Henry has many years of experience in the industry and puts his heart into every transaction that comes across his desk. He takes the time to explain the different loan scenarios to his clients to make sure they make the right decisions. He truly cares about his clients financial wellbeing while ensuring a smooth transaction. I highly recommend his services!


Rafael A.
Carlsbad, CA

I've had some terrible experiences in the past with other Mortgage "professionals", most of the time they just wanted to get me approved and put me in a home. They really didn't take the time to educate me on the most important purchase of my life.

Henry will make sure you fully understand your loan terms or he will review again with you and make sure you understand every step of the way. Henry has not helped my friends and family purchase a home, and they all loved the way he walked them through the buying process.

There are many "mortgage loan professionals" that say they can help you, Henry is the only one i know that gets the work right the first time. I can always count on him when i have a question regarding home loans, or real estate.


Daniel V.
Cardiff-by-the-Sea, CA

Henry and Melanie were fantastic! I had a client in need of a complicated loan, and they delivered.

The team was extremely helpful and kept us in the loop every step of the way. Highly recommend!

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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.

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