Silverio Garcia

Loan Production Manager Oxnard

Silverio Garcia Photo

About Silverio Garcia

Loan Production Manager Oxnard

Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!

With Golden Empire Mortgage you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Competitively Priced Loan Programs:

  • Purchase, Rate and Term Refinance, and Cash-out Refinance Programs
  • Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs)
  • Jumbo, Portfolio & Investor Products
  • FHA / VA / USDA

We're here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Houses Background

FHA Mortgage

Many first time homeowners are choosing to consider FHA insured loan programs which can permit an easier time to qualify for a mortgage loan with as little as 3.5% down payment limiting your upfront costs.

Learn more

Conventional Fixed Rate Mortgage

Conventional fixed rate loans are offered up to a 30 year term and are made available through government sponsored organizations known as Fannie Mae and Freddie Mac.  The fixed rate and payments are fixed for the life of the loan dependent upon the term selected.

Learn more

VA Home Mortgages

VA homes are available to help veterans, active duty military, National Guard, reservists, and surviving spouses to afford the homes they deserve.  The Department of the Veterans Affairs determines the eligibility dependent upon the length and type of service by the service member.  

Learn more

Adjustable Rate Mortgage (ARM)

ARM loan are loans based upon market indexes that become adjustable after a fixed rate period between 5, 7 or 10 years.  The interest rate could go up or down dependent upon the market factors.  Typically starting ARM rates can be lower than traditional fixed rate mortgages.

Learn more

Downpayment assistance icon

Downpayment Assistance

Are you a homeowner in search of the perfect home, but are confused about the different options available when it comes to home financing?

Learn more

About US info

About Us

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years.

Learn more

Loan Products icon

Loan Products

Contact one of our experienced Loan Professionals today to find out more about how GEM Mortgage can help choose the perfect home loan option for your financing needs.

Learn more

Contact us option icon

Didn't Find an Answer?

We know that it isn't easy to find your answers at once. Reach out to us by filling this form and we will reach back in 24 hours.

Learn more

Golden Empire Mortgage
Nmls ID: 234378
Office: 805-341-4756
Mobile: 805-479-9283
2775 N. Ventura Road Oxnard, CA 93036
Mortgage Calculators
  • Monthly Payment

    Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.

  • Refinance

    Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

  • Affordability Calculator

    How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

What they're saying about GEM...

  • Silverio was friendly, knowledgeable, and quick to answer all our questions.
    Edgar J
  • He was always there for us day or almost night on questions about a house or on the process of the paper work
    Rogelio R
  • Silverio is knowledgeable attentive and overall a great asset to GEM mortgage. Very customer friendly and always willing to help. Thanks for everything Silverio
    Moses M

4.94

Apply Now Couple
Your needs meeting our expertise
Apply Now