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Setting Your Budget: How to Analyze Your Finances to Determine How Much Mortgage You Can Afford

by The Klein Team | Oct 6, 2023 | Home Mortgage Tips

Whether you’re buying a home for the first time or you’ve decided it’s about time that you upgraded to a larger, more expansive house, if you’re making a real estate purchase you’ll need to be aware of how much you can reasonably afford...

4 Facts You Need to Know Before Setting Up a Mortgage Escrow Account

by The Klein Team | Oct 3, 2023 | Home Mortgage Tips

Buying a home involves a variety of nuances and strange-sounding terms, and one of the least understood aspects of the home buying process is the escrow account. Essentially, an escrow account is a third party bank account your lender can require you to pay into in...

A Quick Look at Reverse Mortgages: The Golden Ticket to Enjoying Your Golden Years

by The Klein Team | Sep 28, 2023 | Home Mortgage Tips

With a high volume of millennials set to enter the real estate market this year, it may seem like all the available options out there were created to snag new home buyers. However, there are products available on the market that cater to those who are in their golden...

Looking to Pay Back Your Mortgage Faster? Three Reasons to Consider Switching to Bi-weekly Payments

by The Klein Team | Sep 20, 2023 | Home Mortgage Tips

While there are differing schools of thought when it comes to whether or not a person should pay off a mortgage before the loan term ends, there may be some benefits to making payments on a bi-weekly basis as opposed to monthly basis. What are some of the reasons why...

Understanding the Differences Between ‘Prequalified’ And ‘Preapproved’ For a Mortgage

by The Klein Team | Sep 15, 2023 | Home Mortgage Tips

Are you in the market for a new home? If you are going to rely on mortgage financing to cover some of the purchase cost, you will need to start the application process as soon as possible. However, what if you just need to know how much you will be able to borrow so...

Legal Documents You Need When Buying a House

by The Klein Team | Jun 20, 2023 | Home Mortgage Tips

Buying a house can be an exciting but complex process that involves many legal requirements. You will need to provide several documents to your lender and the seller. The specific documents required may vary depending on the lender and the type of loan you are...
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Recent Posts

  • Setting Your Budget: How to Analyze Your Finances to Determine How Much Mortgage You Can Afford
  • Simple Tips for a Stunning First Impression
  • Buying or Selling a Home This Winter? Keep These Tax Tips in Mind!
  • 4 Facts You Need to Know Before Setting Up a Mortgage Escrow Account
  • What’s Ahead For Mortgage Rates This Week – October 2, 2023

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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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