Golden Empire Mortgage, Inc. (GEM) is a privately held, full-scale mortgage banker offering a wide array of mortgage products focusing on quality, compliance, and unmatched customer service. GEM is proud to be recognized as one of the most respected lenders in the mortgage industry. The GEM business philosophy holds that our borrowers’ interests come first, our service and advice are the cornerstones of excellence, and all borrowers deserve access to credit. We put our people and clients first as we set the standard for service excellence through cutting-edge technology in tandem with proven systems of productivity making GEM the home for the best in the industry.