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Our Mission Statement…

Our success is measured
by your success!!!

The GEM Mortgage story …

GEM Mortgage was founded by CEO, Howard Kootstra in July of 1987. Headquartered in Bakersfield, CA, GEM Mortgage has become one of the largest privately held mortgage companies in the USA. GEM is an approved lender with Fannie Mae, Freddie Mac, VA, and is an FHA Direct Endorsement lender with established relationships with some of the most desirable correspondent investors in the industry.

In 2011, Golden Empire Mortgage had 62 branches and funded over 1.2 billion dollars in home mortgages.

What we believe …

We believe that our success is measured by your success.

To succeed in today’s dynamic business environment requires that we operate smarter than our competitors, without sacrificing our values. At GEM Mortgage, we are committed to service excellence.  We are determined to use cutting edge technology to deliver turn times and productivity, which set the industry standard.  We will continue to partner with the industry’s most desirable investors, so we may offer a wide array of loan programs.

Since we believe that success is a state of action not a state of mind, my team and I are committed to do whatever it takes to help you succeed as part of the GEM Mortgage family.

Howard Kootstra – CEO

GEM Building
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