Mortage Lender, Oxnard, Ventura County
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Oxnard Mortgage Lender
Special Loans


VA Loans

A VA Loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with $0 down.

Now more than ever banks are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.

How much will $0 down save you? Conventional loans will require a minimum of 10% down, and in many cases as much as 15% and 20%.




Homes for Heroes

Learn more about the Homes For Heroes real estate savings program. Substantial home buying and selling savings are available.

We offer full service at a discounted rate, including reduced commissions and/or discounted lender fees.. We are able to offer more savings than anyone else because of our strong business relationships – with our Home for Heroes Affiliates.

Equal Housing Opportunity

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Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
NMLS#: 247116
GEM Mortgage is a direct lender, serving your mortgage needs in Ventura, Santa Barbara, Oxnard, Simi Valley, and Camarillo.
GEM Mortgage gives you the advantage of lower interest rates and lower closing costs.

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