My Team and I have dedicated ourselves to deliver an incredible amount of value to our clients.  For this reason, we are committed to making a difference for our clients and take a great deal of personal satisfaction in helping our clients reach their goals.

"When people save hundreds of dollars a month and increase their tax deductions, their entire lifestyle can change!"

We recognize that the mortgage industry is fiercely competitive and requires top-notch skills to succeed.  This is why we have dedicated ourselves over the years to acquire the necessary skills and knowledge to perform at the highest level.

As Certified Mortgage Planners, we help each client successfully manage his or her home equity.  In fact, more than ever, our client's mortgage has become a unique tool to create wealth!  Over the past 9 years, we have helped over 1,500 families achieve their dream of home ownership.

"Americans devote the largest portion of their incomes to housing.  Consequently, how you handle the purchase or refinance of your home will have far-reaching implications on virtually every facet of your financial life, including your ability to save, pay for college and plan for retirement."

For this reason, my Team and I continually look forward to making a difference for our clients, as well their friends and family.  We thrive in making the dream of homeownership be a reality - one client at a time.  Hence, we put people before profits and reputation before revenue.

Refinance to a Lower Interest Rate
Have mortgage rates dropped since you financed your mortgage?

Get Pre Qualified Now
Many realtors won't show you homes until you're pre qualified for a mortgage.

Consolidate Your Monthly Debt
Consolidate all your debts into a single monthly mortgage payment and save.

Shorten Your Current Mortgage
You can shorten the term of your existing mortgage with a new 15 year mortgage.

OUR SERVICES

GEM Mortgage enjoys full approval as an FHA Direct Endorsement Lender, a VA Automatic Lender, and a Freddie Mac Seller/Servicer, as well as a Fannie Mae, CalPERS, and CalHFA Lender, among other agencies.  This allows us to offer the widest range of products to choose from for our client’s financing needs. GEM Mortgage offers a wide range of residential loan programs:

• Adjustable and Fixed Loans
• First Time Home Buyers Loans
• Conventional and Government Loans (FHA/VA)
• Non-Owner/Investment Loans
• 100% Financing Home Equity Line of Credit (HELOC)
• Debt Consolidation Loans
• Cash-Out Refinances Loans for People with Credit Challenges

By staying on the cutting edge of technology, offering the most innovative programs available, and having built a solid reputation of excellence within the mortgage industry,  GEM Mortgage is able to offer its clients the services of a "giant" lender without the "corporate conglomerate" feel.  These facets are what allow us to provide the best customer service in the business today and to stay "A Cut Above."