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You Ask, We Answer: What Kind of Fees Are Involved When I Get a Reverse Mortgage?

by The Klein Team | Aug 15, 2017 | Home Mortgage Tips

If you are approaching your golden years and seeking a bit of financial flexibility, you might want to look at a reverse mortgage. This unique financial product is only open to individuals over 62 years of age. It allows you to convert some of your home’s equity...

The Quick and Easy Guide to Determining How Big of a Mortgage Your Family Can Afford

by The Klein Team | Aug 11, 2017 | Home Mortgage Tips

Are you shopping around for a new house or apartment? One of the key considerations you will need to make is figuring out how much you want to invest in your new home. Below you’ll find our quick and easy guide to determining just how much “house”...

Thinking About a New Home? 3 Reasons Why a Mortgage Will Be the Best Money You Ever Borrow

by The Klein Team | Aug 2, 2017 | Home Mortgage Tips

In these days of low interest rates, it can be a great idea to get into the real estate market and invest in a home. However, if you don’t have the funds saved up to buy a home outright, it may seem like more of a burden than it’s worth. The good news is...

Finding Your Latte Factor: 3 Ways to Find the Money to Make Extra Mortgage Payments

by The Klein Team | Aug 1, 2017 | Home Mortgage Tips

It’s not uncommon for a homeowner to want to pay more than the minimum monthly mortgage payment on their home. However, just because it can seem hard to come up with the funds on a monthly basis doesn’t mean it’s not possible to find the money...

Forget About the Bank of Mom and Dad — Here’s How You Can Save Your Own Down Payment

by The Klein Team | Jul 27, 2017 | Home Mortgage Tips

Are you considering buying a home for the first time? For some, it can seem nearly impossible to come up with the funds for the down payment. Fortunately, there are a few ways that you can save a little over time and not have to borrow from the “Bank of Mom and...

Mortgage Tips: Answers to 4 Common Questions About Reverse Mortgages

by The Klein Team | Jul 25, 2017 | Home Mortgage Tips

There are many mortgage products on the market that work for all different kinds of homebuyers, but many people have not heard about reverse mortgages and how they can benefit their situation. If you’re curious about this type of mortgage and want to know more,...
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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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