Down Payment Assistance

Are you a homeowner in search of the perfect home, but are confused about the different options available when it comes to home financing? Are you aware that there are numerous options available for homebuyers that can connect you with valuable financial resources? At Golden Empire Mortgage (GEM) we have the perfect tool to help you target those hard to find financial resources, and assist you in achieving home ownership.

Our GEM Down Payment Assistance Search Tool helps homeowners move through the process of being a prospecting homebuyer to becoming a qualified homebuyer. The GEM Down Payment Assistance Search Tool does this by connecting the prospecting homebuyer with down payment assistance programs and funds that a majority of prospects are unaware of.

At GEM, we not only strive to assist prospecting homebuyers with their home financing needs, but we also have the technology to match available homes and real estate with qualified buyers, and take things one step further by matching those qualified buyers with homeownership programs - through the GEM Down Payment Assistance Search Tool.

How do we achieve this? The answer is simple, through developing strategic partnerships. The GEM Down Payment Assistance Search Tool has strategic partnerships with:

  • Housing Finance Agencies
  • Realtors
  • Home Builders
  • Down Payment Resources

The GEM Down Payment Assistance Search Tool can help you discover the available programs and provide you with your dreams of homeownership so don’t wait, access our system today.


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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.

Hawaii: GEM conducts business in the state of Hawaii under Mortgage Loan Originator Company license no. HI-2427 issued by the Hawaii Division of Financial Institutions, Department of Commerce and Consumer Affairs.

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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