CU Lending Antioch

5123 Lone Tree Way
Antioch, CA 94531

CU Lending Antioch Team

Houses Background

FHA Mortgage

Many first time homeowners are choosing to consider FHA insured loan programs which can permit an easier time to qualify for a mortgage loan with as little as 3.5% down payment limiting your upfront costs.

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Conventional Fixed Rate Mortgage

Conventional fixed rate loans are offered up to a 30 year term and are made available through government sponsored organizations known as Fannie Mae and Freddie Mac.  The fixed rate and payments are fixed for the life of the loan dependent upon the term selected.

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VA Home Mortgages

VA homes are available to help veterans, active duty military, National Guard, reservists, and surviving spouses to afford the homes they deserve.  The Department of the Veterans Affairs determines the eligibility dependent upon the length and type of service by the service member.  

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Adjustable Rate Mortgage (ARM)

ARM loan are loans based upon market indexes that become adjustable after a fixed rate period between 5, 7 or 10 years.  The interest rate could go up or down dependent upon the market factors.  Typically starting ARM rates can be lower than traditional fixed rate mortgages.

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Downpayment 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?

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About US info

About Us

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years.

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Loan Products

Contact one of our experienced Loan Professionals today to find out more about how GEM Mortgage can help choose the perfect home loan option for your financing needs.

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Golden Empire Mortgage
NMLS ID:1700327
Office: (888) 693-9350
5123 Lone Tree Way Antioch, CA 94531
Mortgage Calculators
  • How Much Will My Payment Be?
    Monthly Payment

    Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.

  • Refinance Calculator

    Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

  • Affordability Calculator
    Affordability Calculator

    How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

What they're saying about GEM...

  • Valerie was perfect--patient, enthusiastic, friendly, and professional. She answered all of my (many) voice and emails promptly, and made the process smooth and painless. She got me a great rate and always had my interests at heart. My situation presented several complexities, but Valerie and her team took care of all the tricky details and helped me every step of the way. i would recommend her t
    Winifred D
  • Valerie is my hero! I didn't even think I could refinance the mortgage I had and waited several years thinking that I couldn't. She not only did my first home mortgage, she remembered me years later and went out of her way to reach out to try to save me some money. It's a godsend knowing that there's people out there that care especially during these tough times with covid-19. I would recommend h
    Sabrina Y
  • She assisted us with our first home purchase and it was painless for a home buying experience. She even went out of her way to see if we wanted to refinance a few years later. It was a great experience and it felt good knowing I had someone there to answer my questions at every step.
    Matthew Y


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