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Investing in a Vacation Property? Learn What You’ll Need to Have to Get A Mortgage Approved

by The Klein Team | Sep 16, 2016 | Home Mortgage Tips

With approximately one million people having purchased vacation homes in the last year, this type of residence is gaining popularity for those who are interested in a home in a beach setting or a vacation hot spot. However, while a second home can seem like a great...

Mortgage Myths: Here’s Why You Don’t Need a Full 20 Percent Down Payment

by The Klein Team | Sep 15, 2016 | Home Mortgage Tips

If you’re just getting into the real estate market, you may have heard that 20% down is the ideal percentage in order to lower your monthly payments and get your mortgage application approved. However, while 20% is often suggested, many people struggle to come...

Financing That Dream Home with a Mortgage? Here’s What to Expect on Closing Day

by The Klein Team | Sep 13, 2016 | Home Mortgage Tips

There are so many details that lead up to the purchase of your dream home that it can be hard to realize it when the closing day is finally upon you. However, when closing day finally arrives, there will still be a few last minute details that need to be taken care...

Understanding ‘Disposable Income’ and How This Will Impact Your Mortgage Approval

by The Klein Team | Sep 8, 2016 | Home Mortgage Tips

There are few things more exciting than finding your ideal home, but with the rising cost of housing, a person’s dream home can often come with a very high purchase price. If you’re wondering how much home you can truly afford and how your cost of living...

Can You Use a Reverse Mortgage to Buy Your Next Home? Yes, and Here’s How

by The Klein Team | Sep 2, 2016 | Home Mortgage Tips

Most people who have been on the market for a home are familiar with what the term ‘mortgage’ means, but many have not heard of a reverse mortgage and aren’t aware of how this product can benefit them. If you’re nearing retirement and are...

Are You Ready to Refinance Your Mortgage? Learn How to Do a Quick Refinancing Self-Assessment

by The Klein Team | Sep 1, 2016 | Home Mortgage Tips

Whether you’ve decided to renovate your home or you would like to consolidate your debt, refinancing your mortgage can be an option in times of money trouble; however, it’s important to know whether or not this is the right step for you. If you’ve...
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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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