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What Fees Are Involved With a Reverse Mortgage? Let’s Take a Look

by The Klein Team | May 10, 2017 | Home Mortgage Tips

Investing in a home may be one of the most significant purchases you’ll make in your lifetime, but many people forget that there are a number of other costs associated with buying a home. If you’re considering a reverse mortgage and want to be clear on all...

Refinancing This Spring? How to Choose Between Variable and Fixed Interest Rates

by The Klein Team | May 4, 2017 | Home Mortgage Tips

From choosing a real estate agent to finding the right home, the process of getting a mortgage is rife with many different choices. If you’re investing down the road, it’s likely that you’ve heard about variable and fixed interest rates and are...

Honesty Is the Best Policy: Why You Need to Be Truthful on Your Mortgage Application

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

There are few things better than finding your dream home and being able to afford it, but simply because you’ve found the perfect place doesn’t mean you should stretch the truth. It might seem tempting to polish your mortgage application a little in the...

What Fees or Costs Are Involved With a Reverse Mortgage? Let’s Take a Look

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

As a means of avoiding monthly mortgage payments, a reverse mortgage is a way for homeowners to tap into their equity in order to defer the payments on their home. While this can be a beneficial option for those who are older than 65, it’s important to be aware...

Saving for a Mortgage Down Payment? 4 Tips That Will Help You Get There Faster

by The Klein Team | Apr 13, 2017 | Home Mortgage Tips

For most people, the idea of saving more money each month is enough of a burden without having to think about investing in a home. A down payment, however, will require a lot more saving know-how and a lot more in liquid assets in order to be able to buy. If...

Til’ Debt Do Us Part: How to Get a Mortgage If One Spouse Has A Poor Credit Score

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

A poor credit history is a reality for many people, but it can be particularly daunting when it comes to investing in a house. Fortunately, simply because you or yours have experienced bad credit doesn’t mean that you should be penalized in the future. If your...
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3625 Thousand Oaks Blvd
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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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