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Mortgage 101: Five Key Mortgage Terms You Need to Understand

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

From putting your home on the market to finding the lender with the best rates, there are so many things involved in buying a home that the terminology is just one more thing to add to the list. While there may be quite a few words you’ll hear that may be...

Are You ‘Mortgage Pre-approval Worthy’? Learn How to Assess Your Finances in 10 Minutes

by The Klein Team | Mar 9, 2017 | Home Mortgage Tips

Finding the right home and the right mortgage can take a lot of time and energy, so it’s important to consider whether you’ll be prepared for approval before diving into the process. Whether you’ve had some financial setbacks or you just want to have...

Thinking About Refinancing Your Mortgage? 4 Ways to Ensure It’s Worth Your Time

by The Klein Team | Mar 3, 2017 | Home Mortgage Tips

If you’re familiar with the real estate market, you’ve likely heard the term ‘refinancing’ and may be wondering what this can mean for your mortgage and your financial well-being. While refinancing can be a great benefit for those who are...

3 Mortgage Scams to Be Aware of and How to Protect Yourself From Them

by The Klein Team | Feb 28, 2017 | Home Mortgage Tips

It’s easy to be enthusiastic and excited about the prospect of home ownership, but it’s important to be aware that there are many ways potential buyers can be taken advantage of. From courses for homeowners to companies trying to make a quick buck, there...

If Your Home Is Destroyed in a Natural Disaster, What Happens to Your Mortgage?

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

When you’ve been in your home for a while and have established a certain amount of equity, it can be a good feeling to know that you have an investment you can count on. However, with changing weather patterns you may be afraid of a natural disaster striking and...

Did You Know: 3 Reasons Why Mortgage Pre-approval Should Be Your Very First Step

by The Klein Team | Feb 22, 2017 | Home Mortgage Tips

There are so many details involved in the mortgage process that you may not be aware of what pre-approval is if you’ve just entered the market. However, pre-approval assesses your ability to make monthly mortgage payments and can be an important first step in...
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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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