Dear colleagues and prospective homebuyers, It is with great pleasure and utmost confidence that I share my experience working with Eddy Lomeli, an exceptional lending professional. Over the past few months, our collaboration has not only been highly productive but has also set a benchmark for efficiency and reliability. In the last couple of months alone, Eddy and I successfully closed several transactions together, demonstrating his unwavering commitment to excellence. As a real estate agent, having a lender like Eddy on my team has significantly alleviated the stress and uncertainty often associated with the loan process. Eddy's proficiency and attention to detail ensure a seamless experience from start to finish. One of the standout qualities that sets Eddy apart is his ability to accurately assess the financial readiness of potential buyers. When Eddy assures me that a buyer is in good standing, I can confidently proceed without apprehension, knowing that there will be no last-minute surprises. This peace of mind is invaluable in our fast-paced industry, where smooth and predictable transactions are key to success. What truly distinguishes Eddy is his proactive approach to the lending process. By addressing all necessary details upfront, we pave the way for easy and stress-free closings. This foresight not only expedites the transaction but also contributes to a positive and satisfying experience for all parties involved. In light of my experience, I wholeheartedly and unequivocally recommend Eddy Lomeli as the preferred lender. His professionalism, reliability, and dedication to excellence make him an invaluable asset to any real estate transaction. If you are seeking a lender who goes above and beyond to ensure a smooth and successful homebuying experience, Eddy Lomeli is the indisputable choice. Thank you, Eddy, for your unwavering commitment to excellence. I look forward to many more successful collaborations in the future. Warm regards, Jorge A Rodezno LIC 02113726 Realtor, CENTURY 21 Desert Rock read more

Last year, our property manager told us that the home we had been leasing for about a year was going to be sold, but that we had the first opportunity to purchase. The property manager tried to connect us with a colleague of hers that she was certain could get us approved. The loan officer was definitely not interested in ensuring he found the best solution for us. He knew up front that we were caught off guard on making the attempt to purchase the home, and expected us to have family hand over the cash we lacked instead of helping us find down payment assistance options! It was looking pretty dismal, but I did some searching and found Antoine Moore and GEM Mortgage.... What a difference a passionate loan officer can make during such a stressful transaction! Antoine has been and continues to be phenomenal in assisting us with our first home purchase. He utilizes various communication methods and is always available to answer our questions/concerns -- even after we closed the sale. During our interactions with Antoine, we have also worked with Diana (another member of the GEM Mortgage team) and she has been equally impressive in assisting us. We would not hesitate to refer others to their office, and have already told a number of people about how smooth they have made the process for us! We are now proud homeowners, thanks to Antoine and his team's passion for helping families through this complex process. If you're looking for a loan officer that is as driven as you are to help you buy a home, look no further than Antoine Moore! read more

I would highly recommend the services of Golden Empire Mortgage. I had shopped around a bit when it came to lenders but I chose Thomas to fund the loan for my first home and this is why... Thomas was able to guide me through the process of qualifying for a loan by helping me clean up my credit and teaching me about the different types of loans available so when it came time for me to buy, I was able to be approved for a loan amount and a low rate which got me into my current home. I did my homework before I began shopping and he was the most knowledgeable lender I encountered. I was a single, first time home buyer who didn't make a whole lot of money but Thomas knows what he is doing so he was able to get me into the house I love and live in today. What I feel makes Thomas different from other lenders is that he guided me to purchase a great home that gave me a reasonable monthly payment that I could commit to long-term instead of telling me to buy a home in the higher end of my qualifying price range like most lenders would have. I am not only happy with my purchase but I can afford my monthly mortgage with money to spare because of the advice Thomas gave me. I still get a Christmas card from him every year and can call him up to ask any questions. Thank you Thomas and team for providing quality service and truly caring for your clients! read more

Golden Empire Mortgage is everything a Homebuyer needs. GEM Mortgage is so professional and they guide you through the whole process of where you need to be to make your home buying experience successful with no stress. The important thing I learned working with them, is that they are experts and have the buyers Best interest. My husband and I are so thankful for Thomas Louisignau and his team for saving the day after we experienced numerous hiccups from other Lenders that did not know what they were doing and who couldn't be trusted. If you want your home buying experience to be successful and be confident that your Escrow transaction is handled right, I recommend you definitely contact Thomas at Golden Empire Mortgage. It is scary out there because there are so many crooked lenders who really give mediocre service and don't hold the knowledge to show or direct you where you need to be to purchase your home; however GEM will guide you every step of the way in regards to credit repair and financial advice to get you qualified. We are so happy that Golden Empire was able to seal the deal and get us cleared for a new home built this year and save the day when the in house Lender with the Building company could not pull through. The name truly speaks for itself. Golden Empire Mortgage service is "GOLDEN" and we are forever grateful!!!! read more

We would like to express our sincere gratitude to Mr. Antoine Moore, Loan Officer at Golden Empire Mortgage in Ontario, CA. Mr. Moore guiding us through the entire home buying process from start to finish. We started working with him in September 2016 and we were in our new beautiful home by December 2016!!! Mr. Moore is humble, professional, courtesy, intelligent, a family man and a true scholar in the knowledge of the mortgage industry. He is truly an asset to Golden Empire Mortgage (GEM). He returns your calls, keeps you updated on your mortgage process, explains everything in detail so you understand, answers all of your questions and concerns. He is a true example of what a loan officer should be in the mortgage industry. He referred a wonderful real estate agent to us by the name of Niradia Dimmings, with Coldwell Banker (323)209-7677. She was as outstanding as Mr. Moore was. She is a very knowledgeable realtor, kind, spiritual, professional, returns calls on the same day you contact her. She made our home buying process run well even her having to deal with a difficult listing agent. God truly blessed us with a great team to work with during our home buying process. We are very grateful to Mr. Antoine Moore and the staff at GEM in Ontario, CA and to Ms. Niradia Dimmings, Realtor. We thank you all!!!!!! The E family read more

As a realtor, I have the opportunity to work with various mortgage lenders, but my recent experience with Gem Mortgage, specifically Josue Marroquin and Thomas, was exceptional. They played a pivotal role in assisting my client, a referral, in securing the best loan options for her new home. When my client, a first-time homebuyer, came to me without a lender, I immediately thought of Gem Mortgage. Connecting her with Josue was a decision that made all the difference. Their team's expertise and efficiency were evident throughout the process. It only took me two weeks to find the perfect home for my client, and Josue and Thomas swiftly got to work. Impressively, we closed the escrow in just 25 days. Their lending service is top-notch. My client had an amazing experience, and the smoothness of the transaction can be attributed to their meticulous attention to detail, especially in communication and follow-up. The team at Gem Mortgage is above average in every aspect of their service. For anyone in need of a home loan mortgage, whether it's for your next home purchase or if you're a first-time buyer, Josue and Thomas at Gem Mortgage are the experts to call. Their professionalism, expertise, and commitment to their clients are what set them apart in the business. You won't regret choosing them for your mortgage needs. read more

Thomas did not just help us buy our first house, he helped us find a home we share with so many of our loved ones where we've made the most amazing memories. It is a home we will have our first babies in, the home his mom spent time with us in before she passed, the home that our friends and their babies have grown to be at home in, the home that has kept us safe through so much going on in the world. Thomas took a couple of kids and helped them find their first dream home. We had no idea what we were doing and he calmed us down and guided us through the process even though I asked wayyyyy too many questions. I am an over thinker and over planner. We cannot thank Thomas enough for helping us buy our first home, for being a good friend along the way, and for making us believe in ourselves, that we could do it. He will be there with you every step of the way. I will always recommend Thomas because he will fight for you because he believes in his work and he believes in being there for his clients. Thanks for all of the happiness you bring your clients and for all that you have done and continue to do for us. We're about to refinance to take advantage of the rates and lower payment without mortgage insurance. He provided us the guidance on when a good time would be. Thanks Thomas! For all you have given us. read more

Everyone knows, buying a home is not an easy process. Then you try selling a home, and using the proceeds from the sale to purchase another home, and having everything work in sync. It's like waiting for the stars to align. Thomas and his team aligned the stars for us!! We had a home that we needed to sell on our end, which made us "contingent" buyers. This means the house we're trying to buy will need to wait until we have a buyer and the close escrow, before we can purchase the new house. (hence, stars aligning) The whole process started with the team facilitating and gathering all the required financial paperwork to get me pre-approved. This allowed me to be a stronger buyer when my agent put in an offer on the home we wanted to purchase. We found our home and offer submitted. Once the sellers accepted our offer, they needed us to close quicker than the "industry standard" of 30 days. Thomas and team were able to fund us in 21 days!!! Aside from that, the team has been very friendly and professional. Super easy to work with. There is a TON of paperwork to sign as well as financial information we (the buyers) need to provide. His team made it very convenient and easy. I've already provided his information to a couple of my friends. read more

I am very grateful for a miracle that Eddy made come true for my family. I was trying to sell and buy at the same time, Only Eddy made it happened, not only did he help me make the sell and buy another property happened.!! He Helped the family that was buying my home, The transaction almost didn't happen, due to her lender not doing the correct process off going into escrow. But with Eddys knowledge and experience he made it happened taking over another lender responsibility, Thers no words possible to say how much I appreciate Eddy to make this happened. He is my Lender for life. I have to say this is my fourth experience with buying a home and the most challenging ever, but Eddy made it happened with experience, knowledge and faith, I am thankful for all his team to make two families dream happen. He was Caring off families having a dream come true, He committed himself to make escrows happened and approved time and day did not matter to him and his team. I value his commitment and experience in helping me make this happened. I Have referred him to other family members because Eddy and his team are the best. GEM Mortgage is the best because Eddy is on top off the best!! read more

We officially closed escrow today and just want to give a HUGE THANK YOU to Eddy Lomeli and his team for making home ownership possible again! After renting for over 10+ years, it seemed impossible to even afford anything in California. Our lease was finally up, so we decided to take that 1st scary step and get preapproved. Our realtor immediately referred us to Eddy and reassured us that he "was the best, and would take good care of us!" He was 100% right! Eddy is always up-to-date on the various loan programs available. We didn't have to pay anything out of pocket for the down payment. He was always honest and transparent; professional and kind. Even in the last few months (when interest rates were almost 8%), Eddy gave us real hope and offered us other options to make it work. He made sure we understood the process to a T. His assistant Melanie was also on top of everything. She's amazing! They both knew we had crazy work schedules, but were always so patient with us. We're starting 2024 with the best gift :) Thank you Eddy and GEM team. Our lenders for life!! read more

Heather Hakes and Trent Branden-Thornton really stepped up to help us out of a jam after our prior lender dropped the ball in epic fashion. We had sold our home and were in escrow on the new home when it all came crashing down with our prior lender. Heather and Trent stepped in at 8pm the day before Thanksgiving with just a week to make everything happen...and they did it! Heather reached out to the freaked-out seller, reassured them, and saved the deal. Then she and Trent tackled a series of obstacles left by the previous lender. They worked nights, returned calls on holidays, and made it happen. Not only did our loan fund on the exact day we needed it to, but Heather and Trent did it all flawlessly. I will always be grateful to them for making our new home purchase a reality, but I am equally grateful for the compassion they showed me and my family during the stressful days following our prior lender's fail. This team works miracles and is straight up as good as their word. I wish I could give Heather, Trent, and the CIB / GEM Mortgage team six stars. read more

I couldn't have asked to have worked with such amazing people. I worked with Josue and his team who deserve all the credit for this review. My brother and i are very busy due to school and multiple jobs. Josue and his team were very patient with us, always updated us on any changes, easy to work with, very friendly. My brother and I are glad to have worked with them. My brother and I jointly purchased our first property through GEM. I don't have anything Negative to say NONE at all!!. I could sit here and type all the positive experiences we had with GEM but it would be to long and I'm just trying to get straight to the point since no one wants to read an article. If you're looking to buy a house start with GEM mortgage no if ands or butts they will do their absolute best to help you. Like I said Josue and his team were amazing if you don't end up working with him you're still in good hands with this company. As a member of the military I'd like to say thank you GEM mortgage for helping my family "I salute you" Thank-you! read more

Buying a home sounds like a very long and stressful process but Thomas and his team granted me an amazing journey with my house purchase. Thomas made me feel like an expert with all the knowledge he shared. Not only that, Thomas was patient to understand all my needs, available for all my questions and concerns, so diligent on his work yet, managed to work at such incredible speed, and so welcoming in which led me to put my fears aside and be comfortable in speaking up with my requests. I just felt like I was part of the Gem Mortgage family. I previously attempted to start process in purchasing a home and the lack of communication and interest from that previous lender scared me away. With Thomas, it all happened naturally, smooth, and so fast! I am beyond grateful for Thomas and all his magic because thanks to Thomas and team, my children and I have a home to call ours. His favorable and constructive attitude makes a significant difference when taking major steps, like the one investing in purchasing a home. read more

I am a first time home buyer and I had the opportunity to work with Antoine from Golden Empire Mortgage and I must say the service, the process everything from start to finish was amazing. Antoine was available for me any time of the day. It could be 8 or 9pm at night when I called he answered. They made my first home buying experience so smooth and stress free. I also have to mention my realtor Wayne who was also amazing from the beginning of the process to the end. He worked even on Sundays to help me get the house that I wanted. The whole team over all made my experience so easy and I love how they work well together. If you want to see team work you have to see Antoine and Wayne in action they are both just amazing and I am truly thankful that I was able to work with them now and definitely in the future. If you need to buy a house please go to Antoine and Wayne you will not regret it. I even referred my mom who is currently working with them on buying a home. read more

Antoine Moore was so amazing he has involuntarily become my lifetime broker/ consultant!! Working with him was an absolute pleasure especially as a first time home buyer. His knowledge, patience and flexibility helped me remain at ease throughout the entire process. Antoine is very easy going and there was never a time where he made me feel as though I was asking too many questions or a "dumb" question, any time I called, emailed or even texted he replied in a remarkable amount of time. I have now closed escrow, moved in and am getting settled; and have texted him twice regarding mail that I've received regarding my loan. Antoine has the ability to make you feel comfortable in reaching out to him with any questions and I have tons of faith that he will continue to give me an honest answer as he has since I met him. Thank you Antoine again for everything! One referral down, a bunch to go. read more

Eddy Lomeli, my mortgage banker was superb, super patient, understanding, helpful, very professional, always ready to take my calls for endless questions I had. Being a first time homeowner, navigating thru this whole process is like learning a new language, Eddy was there with me every step of the way. He looked for the best program that I could qualify for and ended up getting approved for my loan and getting the best interest rate possible and I got my home with no money down, no money out of pocket, which was totally unexpected and pleasantly surprised. I highly recommend Eddy and Golden Empire Mortgage. I'm enjoying my home and being a home owner and is all thanks to Eddy at Golden Empire Mortgage. Thank you Eddy for everything you did for me and for making my dream of owning a home possible. I am for ever grateful! read more

Referred by a very close friend who is still verbal about her home buying experience with Thomas Lousignau and his team at GEM mortgage. I knew my situation was totally different, but I still went in with fairly great expectations. Thomas is very knowledgeable about his craft, which makes listening and understanding easy for a laymen such as myself. He stepped in and was dutifully committed to helping me on my quest. Thomas found the perfect fit for my circumstance and with few incidents or episodes was able to fund my new home. Thomas always made me feel like I was in a no judgement zone and my status/situation was no different than anyone else's. I will definitely be referring people to Thomas and his team of lending experts at GEM Mortgage. Thank you so much Thomas for all you've done. "FUNDED"! VMC read more

I met Thomas 7years ago when I bought my home. I found in him a knowledgeable, friendly and very caring professional. He walks you thru the process slowly, methodically, carefully and explained things in great detail. Takes his time and is not bothered in the least if he has to explain it more than once. He is readily available via phone, text messages, day, evening and weekends. He shares himself and I was very impressed with his team. They actually came to my work place to accommodate my crazy schedule. I highly, highly recommend Thomas and his team. You will find in Thomas not just a person doing his job, and doing it extremely well, but a friend for life. I cannot say enough about Thomas and his team. You will not regret doing business with him and his team. Hands down, the best!!!! read more

Working with GEM Mortgage was an excellent experience from start to finish. Their team was professional, responsive, and incredibly transparent throughout the entire home loan process. They took the time to clearly explain every step, answered all of our questions, and made what could have been a stressful process feel smooth and manageable. We especially appreciated their honesty and dedication to finding the best option for our situation. Communication was consistent, and we always felt informed and supported. Thanks to their hard work, we were able to secure our home with confidence. I highly recommend GEM Mortgage to anyone looking for a reliable and trustworthy lender. Thomas was the best at getting the deal done. Along with honesty and Transparency. Recommend again and again read more