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How Young Is ‘Too Young’ to Buy Your First Home? Getting Started Early Has Its Ups and Downs

by The Klein Team | Apr 12, 2023 | Home Buyer Tips

Many millennials are expected to enter the housing market in the next year with the interest rates still low. However, while it may be a good time, it does not necessarily mean that it’s the right time for you to make the investment. If you’re currently...

What You Need To Know About A VA Construction Loan

by The Klein Team | Apr 11, 2023 | Mortgage

Do you plan on building your dream home? If you are a veteran, you may qualify for a VA construction loan. This could help you save a significant amount of money as you build your dream house, but it is important to understand the details. An Overview Of A VA...

What’s Ahead For Mortgage Rates This Week – April 10, 2023

by The Klein Team | Apr 10, 2023 | Financial Reports

Last week’s economic reporting included readings on construction spending and labor sector readings on employment and the national unemployment rate for March. Weekly readings on mortgage rates and jobless claims were also released. Commerce Department: February...

Why Your ‘Debt-to-Income Ratio’ Number Matters When Obtaining a Mortgage

by The Klein Team | Apr 6, 2023 | Mortgage Tips

If you are looking to buy a home, you may want to consider shopping for a loan first. Having your financing squared away ahead of time can make it easier to be taken seriously by buyers and help move along the closing process. For those who are looking to get a...

How To Successfully Use Your Down Payment to Achieve Your Home Buying Goals

by The Klein Team | Apr 5, 2023 | Mortgage

When you are considering purchasing a home, understanding the lending guidelines regarding a down payment is important.  Here are a few key tips to consider: Gifting of a Down Payment There are some programs that will allow you to use a gift for your home down...
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NMLS #2795725 

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3625 Thousand Oaks Blvd
Suite 221
Westlake Village, CA 91362

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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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