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Buying an Older Home? Watch Out for These 3 Key Flaws That Could Spell Trouble

by The Klein Team | Oct 27, 2017 | Home Buyer Tips

Are you a fan of homes with a bit more character than newer, modern designs? Whether in pristine condition or more of a “fixer upper,” older homes are incredibly popular in cities across the country. However, there are some key factors to consider if...

Worried That Your Past Student Loan Debt Might Delay Buying a Home? Here’s What to Do

by The Klein Team | Oct 25, 2017 | Home Buyer Tips

Whether you are just about to graduate college or you have been out of school for a few years, there’s a good chance you’re carrying some amount of student loan debt. It seems that news headlines are regularly pointing out that the nation’s graduates...

Buying a New Home? Here’s Why Mortgage Pre-Approval Should Be Your First Step

by The Klein Team | Oct 20, 2017 | Home Buyer Tips

Are you thinking about buying a new house, condo or apartment? Whether you are upgrading, downsizing or investing, if you intend on borrowing the funds you’ll need to be pre-approved for a mortgage. In today’s blog post we’ll explore mortgage...

Go Big or Go Home: 3 Reasons Why Your First Home Should Be a Spacious One

by The Klein Team | Oct 12, 2017 | Home Buyer Tips

Buying a home for the first time? One of the key considerations you’ll need to make is just how much ‘house’ you want to buy. While going minimal might seem like a good idea to save on costs, having a smaller living space can end up cramping your...

Four Mistakes to Avoid When Making an Offer for Your Dream Home

by The Klein Team | Oct 4, 2017 | Home Buyer Tips

You’ve scoured the new home listings, been to all the open houses and have finally found the home of your dreams. It is now time to draft an offer and begin the negotiation process. Below we’ll share four mistakes that you will want to avoid when making an...

Real Estate Negotiations: 3 Tricks That You Can Use to Ensure Yours Is the Winning Bid

by The Klein Team | Oct 3, 2017 | Home Buyer Tips

You’ve toured through a number of listings, attended all the open houses and have found your potential new dream home. Now the hard part begins, especially if you’re working against other buyers who are keen on getting the same home as you. Let’s...
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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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