Loan Programs

All Pacific Mortgage offers a variety of loan programs to fit your needs.  Whether you’re looking to buy your first home, invest in a real estate portfolio, or refinance, our skilled mortgage advisors will help you find the program that best suits you.

Types of loan programs:


Conforming loans offer buyers lots of flexibility. From low down payment requirements, to various mortgage insurance solutions for borrowers placing less than 20% down, confirming loans allow some of the most completive solutions in the mortgage industry.

Key features

  • Down payment as low as 3% for qualified borrowers

  • No mortgage insurance is required with 20% or more down payment

  • Flexible loan terms based on 30, 15, and 10 year repayment plans

  • Mortgage insurance payment options (monthly, financed, or paid up front)

  • Low rates and fees

  • Fixed and adjustable rate options



FHA loans are government backed programs designed for borrowers with low down payments and offers flexible qualification requirements.

Key Features

  • 3.5% minimum down payment

  • Competitive rates and fees

  • Lower credit rating requirement

  • Debt-to-income flexibility


The Veterans Administration allows qualified veterans or active military the ability to purchase with as little as 0% down.

Key Features

  • Must be qualified veteran or military personnel

  • No mortgage insurance

  • Low rates and fees

  • Flexible qualifications


Borrowers seeking rural property can enjoy the benefit of a 0% down payment with a USDA guaranteed loan. Borrowers must meet income requirements and purchase within an eligible USDA territory.

Key Features

  • 100% financing

  • Low monthly mortgage insurance

  • Flexible mortgage qualifications


Jumbo loans are often a great option for those looking to finance a higher priced home. Jumbo loans are loans that are beyond the maximums of conventional loans, which is typically $484,350 . 


Do you have your eye on a fixer upper? A rehab loan could be a great option for you to finance your renovation expenses into your loan, versus using precious savings. This is a great way to utilize equity in the home that you'll obtain through a little vision and your renovations. 


Looking to build a home or to do an addition, a construction loan may be a great fit for your loan needs. Construction loans are typically short-term loans, yet give you the time and money you need to accomplish your build. 

Other Specialized Loans 

All Pacific Mortgage prides itself on being able to customize loan packages based on your needs. We are often able to identify loan programs that get the borrower to the finish line, where oftentimes other mortgage companies cannot. Contact us today to see how we can help find you a lending solution!  


Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:

Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.

Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.

Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.

Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants

Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions.


Branch NMLS 50835  

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