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Understanding the Difference Between a Mortgage Pre-qualification and a Pre-approval

by The Klein Team | Nov 20, 2020 | Home Mortgage Tips

If you’re in the market for a new home and you’ve been researching mortgages, you’ve likely come across the terms “pre-qualification” and “pre-approval”. While these terms are self-explanatory in some circumstances, they are...

What’s Ahead For Mortgage Rates This Week – November 16, 2020

by The Klein Team | Nov 16, 2020 | Financial Reports

Last week’s economic reporting included readings on inflation and consumer sentiment along with weekly readings on mortgage rates and jobless claims. Federal Reserve Chair Jerome Powell and Federal Reserve Board members addressed economic expectations resulting...

Three Hot Renovations That Will Boost Your Home’s Value Without Breaking the Bank

by The Klein Team | Nov 13, 2020 | Around The Home, Home Buyer Tips

Are you feeling the “renovation itch” or perhaps looking for a fun project that you can take on which will provide you with a return on your investment? There are numerous home upgrades and renovations that can add value to a home without costing a large...

A Few Simple Ways To Upgrade The Kitchen Pantry

by The Klein Team | Nov 10, 2020 | Mortgage, Real Estate Trends

During the past few months, people have been spending much more time at home than usual. Therefore, many people are looking for ways to upgrade their homes. A common area of focus is the kitchen. Even though many people are thinking about upgrading cabinets and...

What’s Ahead For Mortgage Rates This Week – November 9, 2020

by The Klein Team | Nov 9, 2020 | Financial Reports

Last week’s economic news included readings on construction spending, the Fed’s Federal Open Market Committee statement, and a press conference by Federal Reserve chairman Jerome Powell. Labor data on public and private sector jobs and the national...
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The Klein Team is a part of GEM Mortgage, a division of Golden Empire Mortgage, Inc. (GEM), [NMLS ID#2427] is a California Corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, CA 93309.  GEM conducts business as a residential mortgage lender and servicer in the State of California under Residential Mortgage Lending Act license No. 413-0360.  For other states, please refer to https://www.gemcorp.com/licensing for all licensing information. 

The Klein Team at GEM Mortgage, NMLS#2795725 3625 East Thousand Oaks Boulevard, Suite 221, Westlake Village, CA 91362 

For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply.

NOTICE TO TEXAS CONSUMERS: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO: THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N Lamar, Suite 201 Austin, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

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