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Student Loans vs. Down Payments: 3 Ways You Can Manage Both and Buy a New Home

by The Klein Team | Mar 31, 2017 | Home Buyer Tips

The idea of paying off your student loans and buying a home at the same time can seem like an impossible feat given the impact on your Debt-to-Income (DTI) ratio. However, there are ways it’s possible to have enough funds and good enough credit to make your...

Real Estate Investment: Three Telltale Signs You’re Not Cut Out to Be a Landlord

by The Klein Team | Mar 22, 2017 | Home Buyer Tips

The idea of purchasing a property and having renters can be an exciting business venture that offers lucrative financial rewards. However, there’s a lot involved in being a successful landlord and it’s important to be aware of what’s required before...

Making the Grade: How to Research Local Schools Before Buying Your Next Home

by The Klein Team | Mar 10, 2017 | Home Buyer Tips

There are so many things involved in moving into a new home in a different neighborhood that it can be easy to forget about the proximity of many nearby amenities. However, if you have children, the local schools available can make-or-break the decision on whether or...

Buying Small, Living Large: 4 Big Pros to Buying a Smaller House or Condo

by The Klein Team | Mar 8, 2017 | Home Buyer Tips

Are you on the hunt for a more efficient living space? Whether you’re a first-time buyer or downsizing from a larger home, buying small can still mean living big. Let’s explore four positives to living in a smaller, more intimate house or condo....

Feeling ‘Priced Out’ of Your Local Market? Here’s How You Can Still Buy a Great New Home

by The Klein Team | Mar 7, 2017 | Home Buyer Tips

If you’re trying to buy a new home, few things are more frustrating than a hot real estate market. When home prices are climbing fast it can feel like you’ll never be able to save enough for your down payment. In today’s post we’ll share a few...

Buyer’s Remorse: 3 Things You Should Never Say When You’re Negotiating to Buy a Home

by The Klein Team | Feb 14, 2017 | Home Buyer Tips

The prospect of finding the home you’ve always dreamed of can be such an exciting prospect that it’s easy to forget all about the process of negotiating. However, it’s important to keep a few things to yourself when it comes to the art of making the...
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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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