Reverse Mortgage

A “reverse” mortgage is a loan against your home that you do not have to pay back for as long as you live there. With a reverse mortgage, you can turn the value of your home into cash without having to move or to repay the loan each month. The cash you get from a reverse mortgage can be paid to you in several ways:

1. all at once, in a single lump sum of cash;
2. as a regular monthly cash advance;
3. as a “creditline” account that lets you decide when and how much of your available cash is paid to you; or a combination of these payment methods.

No matter how this loan is paid out to you, you typically don’t have to pay anything back until you die, sell your home, or permanently move out of your home. To be eligible for most reverse mortgages, you must own your home and be 62 years of age or older.

FHA Loans

If you are a first-time home buyer or have bought a home before and have less than perfect credit you have come to the right place. At Golden Empire Mortgage. our FHA home loan Specialists will take you through the loan process step-by-step.

With an FHA Loan you can:

Purchase a Home
Remodel Your Home
Make Home Repairs
Make Energy-Efficient Improvements

And because it’s an FHA loan, lenders will offer you lower, more affordable rates. They can do this because the FHA guarantees the loans, thus insuring the FHA loan lenders so they have less risk by taking you on as a borrower. Even if you have less-than-perfect credit or are a first time home buyer a FHA loan could be the right loan for you.

Mortgage Help?

Find a solution now. Get in touch with a FHA specialist to learn which type of financing can benefit you. Don’t wait any longer, our form takes less than 2 minutes to complete!

Experience Home Ownership with an FHA Loan

Why put your dream of home ownership off any longer when the FHA can make it happen now? If you’re ready to purchase a house, the FHA has home loan programs available to help cover the cost. Because these loans are insured by the FHA, lenders are able to offer you lower, more affordable rates. No matter what your unique situation may be, the FHA can help you. Find out more about different programs below, or connect with a specialist now.

Additional FHA Information

FHA loans are funded by financial institutions such as mortgage centers or banks. The Federal Housing Administration is a branch of the Department of Housing and Urban Development and provides lenders with insurance on your loan. The FHA is here to help you become a homeowner. Both the FHA and HUD offer low-interest loans to qualified borrowers so that they may purchase homes. The FHA and HUD also offer mortgage insurance for those who are part of the VA Home Loan Guarantee Program. Contact a loan specialist to see if you are eligible for this type of loan.


Owning your own home provides several benefits. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions*, say “good bye” to your landlord and take control of your living environment.

Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs. Use our easy-to-navigate site, or contact us by phone today.

You can assure sellers of your viability and negotiate more effectively when you’re pre-approved. Apply online now to be pre-approved.


Find out if now is the right time to refinance! You may be able to lower your monthly payments or reduce the time it takes to pay off your loan. Here are some important reasons to consider refinancing:

* Get a lower mortgage rate and reduce interest costs.
* Convert an adjustable rate mortgage to a secure, fixed-rate mortgage.
* Consolidate your first and second mortgages into a mortgage with a lower rate.
* Pay off installment debts and credit cards.

The advantages we offer for your refinancing needs include:

* Low rates
* Easy online application
* All types of mortgage programs
* Guidance and advice from an experienced loan professional

Ready to refinance your current mortgage?

Apply online to be pre-approved.

Find out if now is the right time for you to refinance your current mortgage.