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Yes, It’s Getting Easier to Get a Mortgage. Here’s How You Can Take Advantage

by The Klein Team | May 31, 2017 | Home Mortgage Tips

It can be hard to stay on top of a changing real estate market from day-to-day, but it’s a matter of fact that there are more available mortgage products out there than ever before for many different kinds of homebuyers. If you’re wondering how you can...

Understanding What a “Piggyback” Mortgage Loan Is and How It Works

by The Klein Team | May 26, 2017 | Home Mortgage Tips

As a potential homebuyer who is new to the market, many of the terms and mortgage products available to you can be more than a little confusing. Piggyback loans might be a little less familiar than many other options, but if you’re ready to jump into the housing...

Thinking About a Second Mortgage on Your House? Here’s What You Need to Know

by The Klein Team | May 24, 2017 | Home Mortgage Tips

Whether it’s to consolidate debt or make funds available for a home renovation, many people consider a second mortgage in order to make it possible to pursue other options. However, like any important financial decision, it’s important to be informed about...

The 10-year Mortgage: Why a Shorter Amortization Period Can Be Your Best Option

by The Klein Team | May 19, 2017 | Home Mortgage Tips

From ‘down payment’ to ‘adjustable rate’ to ‘debt-to-income’ ratio, there are so many terms involved in the mortgage process that it can be hard to learn them all and keep them straight. However, whether or not you’ve heard...

You Ask, We Answer: What Are the Pros and Cons of Private Mortgage Insurance?

by The Klein Team | May 12, 2017 | Home Mortgage Tips

It’s easy to get Private Mortgage Insurance (PMI) confused with homeowners’ insurance, but PMI is an entirely different thing that may or may not be necessary when it comes to your home purchase. If you’re going to be investing in a home in the near...

3 Classic Credit Mistakes to Avoid If You’re Trying to Secure a Mortgage Loan

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

The mortgage application process can be fraught with a lot of stress on its own, but if you’ve experienced issues with your credit in the past it can be even more taxing. While there may be a lot of things you may not be aware of when it comes to their impact on...
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NMLS #2795725 

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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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