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How to Determine How Big of a Down Payment You Need

by The Klein Team | Jun 8, 2022 | Home Buyer Tips

Whether or not you’re new to real estate, there’s little doubt that you’ve heard the term down payment as it relates to purchasing a home. There’s a lot of different information out there in regards to how much this figure should be and it can...

The Majority Of Millennials Plan On Buying A House In The Next Few Years

by The Klein Team | Jun 7, 2022 | Mortgage

During the past year, the housing market has been on fire. There are not a lot of houses for sale, many people are interested in moving, and there is a rising demand from the people who put off moving during the coronavirus pandemic. Furthermore,...

What’s Ahead For Mortgage Rates This Week – June 6, 2022

by The Klein Team | Jun 6, 2022 | Financial Reports

Last week’s economic reporting included readings from S&P Case-Shiller Home Price Indices, The Federal Housing Finance Agency on home prices for homes owned or financed by Fannie Mae and Freddie Mac, and reporting on Construction spending. Weekly readings on...

Should You Use A Home Equity Loan To Buy A Vacation Home?

by The Klein Team | Jun 3, 2022 | Mortgage

If you are looking for a way to diversify your investments while also making it easier to go on vacation, you may have thought about purchasing a vacation home. Saving up enough money for one house was already hard enough, so how are you going to save up money for a...

Make Modifications To Age In Place With A Home Equity Loan

by The Klein Team | Jun 1, 2022 | Mortgage

There are a lot of people who would like to remain in their homes for as long as possible. Unfortunately, a traditional home may have a few features that can make it difficult for people to stay in their homes as they get older. There are some modifications that can...
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3625 Thousand Oaks Blvd
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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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