Congratulations on taking the first step towards homeownership or refinancing. I am eager to leverage my expertise and Golden Empire Mortgage's comprehensive mortgage services to assist you. With access to a wide array of loan programs and competitive rates, supported by a seasoned customer support team, you can rest assured that you are in capable hands. I offer competitively priced loan programs, including options for purchase, rate and term refinance, and cash-out refinance. My expertise extends to Fannie Mae conventional, high-balance, and adjustable-rate mortgages, as well as jumbo, portfolio, investor products, FHA, VA, and USDA loans. I am here to guide you through the complexities of selecting the right loan to meet your unique needs.