Integrity Home Finance - A Mortgage Banking Firm

About Integrity Home Finance

Integrity Home Finance, a division of Golden Empire Mortgage (GEM), has been serving homebuyers in Rancho Cucamonga, California, and the surrounding San Bernardino area for nearly 30 years. As one of the most respected lenders in the mortgage industry, Integrity Home Finance is committed to providing access to credit for every customer. Their motto, “our customers are our business,” underscores their dedication to excellence. They leverage cutting-edge technology and competitive rates, combined with a focus on integrity, knowledge, and personalized service, to help clients achieve their homeownership dreams.

Credentials & Expertise

Integrity Home Finance operates under Golden Empire Mortgage (GEM), NMLS# 2427, and is licensed by the Department of Financial Protection and Innovation in California. Their branch in Rancho Cucamonga is led by Mike Berrios, NMLS# 155795, a Branch Manager. The team includes Loan Originators and Loan Officers, all with individual NMLS numbers, ensuring compliance and professionalism. They emphasize their nearly 30 years of experience in the mortgage industry, positioning themselves as knowledgeable and trustworthy partners for homebuyers.

Offerings

Integrity Home Finance offers a comprehensive suite of loan programs designed to fit diverse homeownership needs. These include Home Equity Lines of Credit (HELOCs) for accessing home equity, Investment Property Loans for rental properties, Second Home Loans for vacation properties, and Construction Loans for new builds. They also provide Renovation Loans for home improvements, USDA Loans with zero down payment options for rural buyers, Reverse Mortgages for seniors, VA Loans for veterans, FHA Loans for easier qualification, Jumbo Loans for higher-priced homes, Conventional Loans with flexible terms, Adjustable Rate Mortgages (ARMs) with initial lower rates, and Fixed Rate Mortgages for long-term stability.

Unique Advantages

Integrity Home Finance distinguishes itself through its nearly 30 years of industry experience and its affiliation with Golden Empire Mortgage (GEM). They emphasize a customer-centric approach with the motto “our customers are our business.” The company offers a wide array of specialized loan programs, including options for veterans (VA Loans) and rural buyers (USDA Loans), alongside standard offerings. Their commitment to integrity, knowledge, and personalized service, backed by technology, sets them apart in helping clients achieve homeownership.