Business Details
39 Years
experience
Trusted Mortgage Solutions in Bakersfield
Golden Empire Mortgage, a division of Golden Empire Mortgage (GEM), has been guiding families toward homeownership since 1987. With nearly four decades of experience, weve built a reputation for trusted expertise in residential mortgage lending. Our personalized solutions are tailored to individual financial goals, and our step-by-step guidance simplifies the complex home financing process. By combining cutting-edge technology with a collaborative approach, we ensure a seamless, transparent experience for every client. Our team of 224+ loan advisors has funded over $22.4 billion in client home loans, reflecting our commitment to innovation and client-centric service. Headquartered in Bakersfield, California, we operate in California and multiple states nationwide, adhering to strict licensing standards.Our mission centers on empowering clients through smart financial choices, and our values of integrity, excellence, and relationship-focused service underpin every interaction. Recognized for industry leadership, our executives bring decades of experience in lending, operations, and compliance. We prioritize accessibility, offering down payment assistance programs and tools like mortgage calculators to support informed decision-making. Our 4.94-star average reviews reflect client satisfaction with our professional, efficient service.
Services
Home Purchase Loans
Refinance Solutions
Equity Access Programs
Pre-Approval Process
Loan Servicing
Details
- Year established: 1987
Highlights and features
- 30+ years of experience in residential mortgage lending
- Personalized mortgage solutions tailored to client financial goals
- Innovative technology streamlines the home financing process
- Collaborative approach with 224+ expert loan advisors
- Licensed and regulated by California Department of Financial Protection and Innovation
Associations and certifications
- California Residential Mortgage Lending Act License 413-0360
- NMLS ID 2427
What people say
Seamless experience
Professional team
Efficient service
Secured dream home
Highly recommend
Services
Home Purchase Loans
Our home purchase loans provide tailored financing solutions for first-time buyers and experienced homeowners. We offer competitive rates and flexible terms across conventional, FHA, and VA loan programs. Our expert loan advisors guide clients through property selection, pre-approval, and closing processes while leveraging digital tools for faster verification.
Refinance Solutions
Our refinance options help homeowners lower monthly payments, reduce interest rates, or access home equity. We specialize in rate-and-term refinancing and cash-out solutions while maintaining compliance with current lending regulations. Our team analyzes each client's financial situation to determine optimal refinancing strategies.
Equity Access Programs
These programs enable homeowners to tap into property equity for debt consolidation, home improvements, or major expenses. We offer HELOCs and fixed-rate equity loans with transparent terms. Our advisors help clients understand borrowing limits and repayment options while maintaining responsible lending practices.
Pre-Approval Process
Our digital pre-approval process verifies financial information through secure connections to income and asset sources. This creates stronger buyer profiles that sellers prioritize while establishing clear budget parameters. The process typically completes within 24-48 hours with complete documentation.
Loan Servicing
We manage ongoing loan administration including payment processing, escrow management, and customer support. Our servicing platform provides online account access, payment flexibility, and dedicated support teams. We maintain compliance with all regulatory requirements while prioritizing borrower communication and satisfaction.
People
Howard Kootstra
CEO
With over 35 years in lending, Howard has held executive roles in underwriting, operations, and secondary marketing. He previously served as a DRE-approved instructor and brings comprehensive industry expertise to lead strategic direction.
Joe Ewens
President
Joe has 26 years of lending experience, including leadership roles in branch operations and loan production. Recognized as one of America's 100 Most Influential Mortgage Executives, he focuses on expanding market presence and advisor development.
Rebecca Wegman
EVP/Operations
With 32 years in mortgage operations, Rebecca has progressed from processor to executive leadership. She specializes in streamlining loan funding processes and maintaining operational efficiency across 60+ retail branches.
David Chesney
EVP/CFO
David brings 25 years of financial leadership experience, developing strategic solutions for mortgage banking operations. His expertise includes financial systems implementation and navigating complex regulatory environments during market volatility.
Robert Satnick
EVP Secondary Marketing
With 30 years in mortgage banking, Robert provides strategic leadership in capital markets. He has served as California Mortgage Bankers Association Chairman and shares expertise through industry seminars and FreddieMac collaborations.
Questions
What mortgage loan options do you offer?
We provide home purchase loans, refinancing options, equity access programs, and down payment assistance solutions tailored to individual financial situations.
How does the pre-approval process work?
Our pre-approval process verifies income, employment, and assets digitally to determine your borrowing capacity and strengthen your home buying position.
What documents are needed for a mortgage application?
Typical requirements include tax returns, W-2s, pay stubs, bank statements, and government-issued ID for employed applicants.
Can I get a mortgage with less-than-perfect credit?
We evaluate applications holistically and offer programs accommodating various credit profiles while maintaining lending standards.
How long does the mortgage process take?
From application to closing, the process typically takes 30-45 days depending on documentation completeness and property appraisal timing.
