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Welcome

THERE ARE VARIOUS LOAN OPTIONS AVAILABLE TO YOU. BELOW ARE DETAILS ON WHAT PROGRAMS WE OFFER

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Loan Program options

PURCHASE & REFINANCE MIN FICO SCORE

CONVENTIONAL

620

  A conventional loan is a mortgage that's not government backed. Conventional loans can offer more flexibility than government loans. 

FHA

580

 An FHA loan is a type of government-backed mortgage loan that can allow you to buy a home with looser financial requirements 

VA

580

 A VA loan is a government-backed mortgage option available to Veterans, service members and surviving spouses. 

USDA

640

  A USDA home loan is a zero down payment mortgage for eligible rural homebuyers 


JUMBO

680

 A jumbo loan is a mortgage used to finance properties that are over the maximum  conventional conforming loan limit. 

NON-QM

540

 A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. 

with various options available the best way to get started is to make an appointment today

Golden Empire Mortgage, an Equal Housing Lender, Licensed by the Department of Financial Protection and Innovation under the California Residential 

Mortgage Lending Act. NMLS #2427.


This is not commitment to lend or extend credit. Restrictions may apply. Information and/ or data is subject to change without notice. All loans are subject 

to final underwriting review and approval. http://www.nmlsconsumeraccess.org