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For the purchase of your new home or to receive a quote for a refinance.

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Jim Markham
Loan Officer
NMLS ID #: 721788
Mobile: 619-722-6733

Specializing in First Time Home Buyers, Repeat & Boomerang Buyers using Government Loans, FHA, VA, USDA and Conventional.

Expert in the most popular California State Bond Programs. Use for Down Payment and Closing Cost Assistance.

Mortgage Tax Credit of 20% every year you live in your home or condo throughout San Diego County. We offer the MCC tax credit to qualified buyers on all VA, FHA, USDA and Conventional Loans. The $1 for $1 Tax "CREDIT" can help increase your purchase power and help with qualifying.

My philosophy:
I believe the role as your Mortgage Advisor is to guide every client through the complete mortgage process, taking the time to make sure you understand every step of the loan process.

Committed to showing loan options:
Which loan is better? FHA, Conventional, USDA or VA? Should I use a Bond Program or put 3% or more down payment? I will provide you a side by side Total Cost Analysis to see all the numbers and help explain the best options for your specific homeownership goal.

Dedicated to your needs:
If you just need some initial guidance or if you want a deeper analysis of the mortgage loan options I'll deliver that to you in a modern and professional format.

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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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