Conventional loan programs are available to anyone with a 620 plus credit score. Conventional loans have the benefit of offering higher loan limits. With a Conventional loan, Private Mortgage Insurance can also be reduced or eliminated depending on the down payment. Typical down payments are typically 3, 5, 10, 15 and 20 percent. Our goal at Southlake Mortgage is to advise you of all options you qualify for. We understand you are an individual with individual needs!



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NMLS 2427 - NMLS 1469474

Southlake Mortgage is a DBA of Golden Empire Mortgage, Inc.

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

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 Applicant