We had such a great experience working with Thomas and Melanie at GEM Mortgage! From start to finish, they were professional, knowledgeable, responsive, and incredibly helpful throughout the entire mortgage process. Thomas always took the time to explain everything clearly, answer all of our questions, and keep us updated every step of the way. Buying a home can be stressful, but they made the process feel organized and much easier to navigate. One of the things we appreciated most was how quickly they were able to get everything done and get us to closing. The entire process moved incredibly fast. We are extremely grateful for all of their help and would absolutely recommend Thomas and the GEM Mortgage team to anyone looking to purchase a home. Thank you for helping make this such a positive experience for our family! read more

Working with Thomas and his team made our first time home buying process a breeze! We always heard about home buying always being stressful so we expected it to be the same but working with Thomas and his team really did not bring any stress or hardships. They made things so smooth. I will 100% recommend & if we ever buy again we'll be working with Thomas at GEM Mortgage!! Thank you for making our first home buying process the best experience! read more

GEM Mortgage - Mortgage Brokers Near Me - Ontario, California

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Working with Eddy as my mortgage lender was one of the best decisions I made during my home-buying journey. Not only is he a true professional with deep industry knowledge, but he's also a trusted friend who genuinely had my best interests at heart throughout the entire process. From the beginning, Eddy took the time to walk me through every detail of the loan process. He broke everything down in a way that was easy to understand and always made sure I felt comfortable and informed before moving forward. As someone who didn't know much about mortgages going in, I can't overstate how valuable that was. He answered all my questions -- big or small -- with patience and clarity, and never once made me feel like I was in over my head. What makes Eddy stand out is his honesty and dedication. He wasn't just trying to "get the deal done" -- he truly cared about helping me make the best financial decision for my future. He kept me updated every step of the way, helped me explore all my options, and made sure I fully understood what I was signing and why. Eddy's guidance made a complex process feel manageable, and his support gave me real peace of mind. I always knew I could count on him to be straightforward, transparent, and available when I needed him. Thanks to him, I'm now a happy homeowner -- and I couldn't have done it without his help. If you're looking for someone you can trust completely, who will treat you like a friend and guide you every step of the way, I can't recommend Eddy enough! read more

GEM Mortgage - Our Beautiful Home - Mortgage Brokers Near Me - Ontario, California

We absolutely can not say enough about Thomas and Melanie! They were both so wonderful and knowledgeable at what they do! They made a stressful situation very smooth and simple. Take it from me listen to what they tell you and you will be extremely happy you did. read more

I couldn't be happier! Amazing experience from beginning to end. Super knowledgeable, helpful, and responsive. I will continue to use in the future and recommend to friends and family. read more

We recommend Eddy! From the very first conversation he was very knowledgeable, responsive, and incredibly patient with all my questions. As first-time homebuyers Eddy guided us through every step of the loan process with clarity and confidence. What stood out most for us was the team work him and his team provided. Eddy and Melanie especially provided an honest breakdown of complex financial terms in a way that made sense for us. Thanks to Eddy and Gem Mortgage, we closed on my home smoothly and ahead of schedule. If you're looking for someone professional, trustworthy, and genuinely invested in your home, this is your person. Thank you Eddy! read more

We are so pleased with the purchase of our new home Thomas and Bree and the team at Gem mortgage made our transaction as smooth as possible from start to finish. We needed to move within 30 days from our rental and Thomas and Bree made it happen I honestly thought we would be renting forever but they moved quickly and I am so thankful we chose them they made buying a home exciting instead of stressful. We definitely will be using them again in the future. read more

Amazing team here, especially with our lender Thomas!! We went in just wanting to see how much we could afford, not knowing what to expect at all; Thomas exceeded all expectations we thought we had! He was direct, 100% transparent, and deeply motivated to make us homeowners. Less than 2 weeks later, we found our home, put an offer in and then got approved all thanks to this team So incredibly grateful for such a smooth and easy process, we would have never thought home-buying would be such a breeze! Couldn't have done it without them read more

I had the pleasure of having Eddy Lomeli as my home loan officer and it was a great experience for me and my wife! No matter the time and day we were always able to get our questions answered. He went above and beyond to make sure we were well informed of everything going on in the process and helped us get in our dream home as fast as possible for the holidays! I would recommend him for you loan officer no doubt wether it be VA or regular loan officer he is great at what he does! I promise you won't go wrong having him on your side! read more

I'd like to start off by saying thank you THOMAS for everything! We went to Thomas about 2 years ago because my wife and I wanted to become home owners but it wasn't going to be an easy task. Thomas broke down everything and told us it's possible but we're gonna have to work our butts off! 2 years later we are officially home owners! Thomas and his team work very hard for their clients and is very honest and transparent when informing you of what they need from you. My wife and I did everything Thomas instructed us to do and that resulted in a 17 day escrow with a great rate! We honestly have nothing negative to say about GEM Mortgage they go above and beyond for their clients! I would recommend Thomas and his team to all my friends and family. I will be using him again in the future guaranteed. Once again Thomas thank you for all your help and guidance from the heart I appreciate everything you did for us and remember "you can't deposit excuses!" GEM Family!! read more

Really Great Team. Made the experience of getting a house stress free. The team provides good information. Josue was able to answer all our questions. read more

This review is long overdue! My family and I had great experience buying our first home. Thomas and his team were very helpful throughout the process. Any questions we had and still have after purchasing our home Thomas has been there for us. He's our lender for life! read more

GEM Mortgage - Mortgage Brokers Near Me - Ontario, California

Thomas and his team were great. They gave great advice, steered us in the right direction, kept us on track, and communicated clearly and frequently. read more

A few years ago I purchased my first home and I had such a great experience that when my wife and I went house shopping this year, we knew we were going to have Eddy Lomelí and his team take care of our mortgage needs. The process was even better the second time around and Eddy and his team made it less stressful by always keeping communication with us and explaining anything that we didn't understand. This was especially helpful since we were using a VA loan and not all sellers and agents are aware of how these loans work. Overall a great experience and I recommend GEM mortgage to veterans and non-veterans. Thank you Eddy! read more

This company is amazing! They are very knowledgeable, patient. They guide you through each step. You feel welcomed and appreciated! I highly recommend them. read more

My husband and i had the privilege of working with Eddy and his team . We were first time home buyers and Eddy guided us the whole way he was very thorough and knowledgeable. He eased all of our concerns and answered all of our questions.Eddy and his team were awesome ! Thank you so much for helping us accomplish home ownership. read more

10 years later and still our lender for life, purchased our second home Antoine and team amazing as usual. Thank you.

I can honestly say my experience with Eddy L, Melina G & Melody Z., has been beyond words can express. Each one of them went above and beyond in displaying professionalism and patience with me. I was always made to feel comfortable and empowered through this journey. My questions and concerns were addressed and I felt like I was actually a family member. These (3) brilliant young folk changed my life. I am a happy home owner today because of them. PS- I selected GEM because I Eddy serviced our Country and I just knew he would take care of me... Kind Regards. read more

GEM Mortgage - Mortgage Brokers Near Me - Ontario, California

Hello! Absolutely would recommend GEM especially anyone new to the mortgage process like myself. Eddy was not only super welcoming, but incredibly patient in explaining everything... even when asking the arbitrary questions. I was initially terrified bc I was looking at a 21 day escrow... I thought I would be in over my head as a first time buyer. Aside from throughly answering my questions Melanie and Eddy would check in, advise on what I needed to do and what they were up to. Truly I can't thank them enough they absolutely made the entire experience so much easier. read more

My fiance and I had the privilege to work with Josue and his team. We were first time buyers and he helped us through the process. They were efficient and answered every question we had. I would highly recommend! read more

Great communication, teamwork and support! I was so nervous but felt relief knowing that I had a great team throughout the process of purchasing our first home! Thomas literally held my hand through it all and I felt safe and secure knowing that this transaction would go smoothly. As promised, we had keys to our own home within 15 days with absolutely no hiccups. Hands down, I'd do it again in a heartbeat with the same team!! Now that the dust has settled, thank you Thomas and Melanie for dealing with Gary and I so calmly, respectfully and professionally. Being first time buyers, every question we had was answered, they made sure we understood how everything works and LITERALLY explained every step of the way! Trying to purchase a home for the first time and trying to move in was insane but with your help, guidance and sterling work, everything worked out perfectly. Thomas, my friend of 20+ years and now our lender for life, I would recommend you and your company without hesitation! We appreciate you and your team for going above and beyond to make our dreams come true!! Best Regards and many thanks, Cynthia & Gary read more

I just want to take the time to thank the team for going above and beyond for me when nobody else could believe in my purchasing of the home this is my first time purchasing a home and I admit I was just gonna go ahead and back off but something told me to have a little bit of trust and faith just one person and I think they know who they are, but I just wanted to complement them and give them 10 stars if I can I mean he's went above and beyond for me and Eddy thank you so much and all the team that's pushed me through it all. I've learned a lot from you and I know that if anybody that I know of, I will refer them to nobody else but yourself.. I'm so nervous this is my first time purchasing a home. It was nerve wrecking, but you push me to be the person that I am and I owe it all to you guys and again thank you so much for going above and beyond for me and my family and now as we are apart, this journey of a new home , I feel like I achieve something and you guys taught me thank you so much for teaching me to be the better person that I am and also helping me purchase my dream home. Thank you so much. Well done! Well achieved guys! Nicole, Eddy, Melanie! And thanks again for the housewarming gift. if no one will make your dream home purchasing I recommend these people they are all the way with you from the beginning to the end. I can't even thank them all enough. Eddy again... I was so honored to work with you, did an amazing job with just a little time we had and we pulled through it all!!! Best; From my family read more

Eddy is extremely professional and has a big heart that shows. He takes care of his clients and even goes above and beyond to ensure they know what is going on. I had little to no knowledge about the entire process. What I found very helpful from Eddy was that he wanted to make sure I understood (specially as a Daca recipient) each step, each process, who, what, when and why things were happening. A lot of times I couldn't understand certain things and he patiently answered them and made sure I understood. He also was ALWAYS available to help. There were times I felt bad because I thought I was taking up his time but he assured me that he didn't mind helping because his clients are a priority. He even went as far as searching for opportunities to save me money. Being a 1st timer at all of this can be very overwhelming and scary but with Eddys assistance and work ethic, i was very sure of my decision and everything going on. Without hesitation I would refer Eddy to family and friends. He takes pride in his work and does what he's says he's going to do. He is very efficient and communicates through every step of the process. He works hard for you and he makes you feel you are his only customer. read more

Thomas and his team are the absolute best! Thomas really takes the time to make sure you are truly understanding the home buying process in every way. As a first time home owner this was essential. He is there every step of the way and even introduced us to our real estate agent whom we love. Thank you Thomas for being an awesome Lender and person! Already referring you to others read more

My loan officer Thomas and his team are amazing! They are so helpful in processing and preparing me for my loan. I am very happy with there service and I would like to add that I found my loan family. So, if you want the best service and feel that your apart of the process an inconvenience when I suggest you go with Golden Empire Mortgage. read more

This is a LONG overdue review for Thomas and his wonderful team! WOW, just where do I start?!?!? I was lucky enough to be introduced to Thomas from my really good friend and mentor, the rest is history. I have to admit that buying a home is stressful and scary yet it was my dream to always be able to one day own my home. I spoke to different mortgage brokers before I met Thomas and Thomas was the one who was able to give me what I needed to finally go house hunting. Not only did Thomas explain in detail what I needed to do in the beginning but with every step along the process. During the roller coaster of finally getting our offer approved to the entire closing process, Thomas was so patient with me and answered to late night calls and texts (so sorry Thomas). I am finally a homeowner and we were able to close within a month! Thomas was still available to answer questions after the closing and I will be continuing his services in the future! Thank you again Thomas and team! My family and I are truly grateful for your help and services! read more

What makes using GEM Mortg Great? Well, we have to say its Thomas and his elite team! This team is professional, informative & takes a personal investment in every step of the process. Thomas strives to make sure every transaction is above and beyond your expectations whether it's buying your personal home, an investment property or a refinance. We know because we've had the opportunity to do them all! We have been using Thomas and GEM Mortgage since we bought our first home in 2013. There really is no guessing or worrying, they are so thorough in explaining everything and have all the paperwork down to a science. Thomas is like an extension of our family and is always excited when we have a new endeavor to dive into! Look no further - you have found the best with Thomas and his Team at GEM Mortgage. read more

I rarely give 5 stars, but Eddy L. rocks! I'm so pleased with my experience at Golden Empire Mortgage. Eddy and his team are on top of everything, had great communication and kept me informed of every stage of the process. My Refi went smoothly and got a great interest rate. My family and I are looking for a second home and Eddy is the first person to be notified. I know we will be taken care. Totally recommend calling Eddy for your next home or Refi. read more

I made the initial phone call to GEM Mortgage in late May. My spouse and are first time home buyers with an hourly job and limited funds for our down payment. With this in mind, I needed assistance with a down payment, and I found GEM Mortgage on the CALHFA website. Finding their information is what prompted me to make my initial phone call, and seeing their 5-star reviews was a bonus! I was skeptical of seeing all of the good reviews, but I am living proof of the hard work this team puts in for their buyers. I worked with Eddy Lomeli; he was my loan officer. At the beginning and throughout, he thoroughly explained to me the types of programs I would qualify for, and he even placed my spouse on an action plan to improve his credit score! Along with Eddy, I also worked with Diana, who is his assistant. Diana is extremely thorough and very well-spoken. Diana works hand in hand with Eddy, and she is very organized. If we ever had trouble with documents, she offered to log in on our behalf and print it out for us. The team is always thinking outside of the box to get the job done! Lastly, Melanie was such a sweetheart! Melanie helped with my employment verifications and final loan docs. Melanie has such a bubbly personality, and she's such a nice person! It was a great experience working with her. During the process, I developed medical conditions (which impacted my hours worked, original DEBT TO INCOME) as well as challenging work history. These changes raised concerns when my loan went into underwriting. When the underwriting team came back with their loan conditions Eddy, Diana and Melanie fought for us! Eddy & his team would work extra hours, make the phone calls send the emails, and do all they humanly could to ensure the loan was approved. The underwriting team is designed to be very analytical. but Eddy & his team will put up the fight if necessary and ensure prior to getting to that process your file is presented and organized perfectly and he will get you in your home. I genuinely don't think the loan officers realize the impact they have on people's lives. You have given us a new beginning. We no longer have to worry when our rental "lease" will terminate. In my eyes, you're as significant as those out here saving lives, for the simple fact that you had provided my family a haven and place to call home when no other mortgage lender cared to give us the opportunity due to my high credit card debt. Eddy cares, and he truly has a passion for what he does, and it's shown in the successful purchase of our mountain paradise! I work a busy schedule, I'm a mom, and I'm finishing up my BA degree. The accessibility of having the information online was terrific! The only time I was required to go into the office was to sign my final docs! read more

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My husband and I are first time home buyers and we had no idea where to even begin! Thomas and Diana made my husband and I feel very comfortable from the very beginning! They both provided GREAT communication from the very beginning and offered great recommendations on pricing and staging us up for success on our monthly payments. Their work ethic is amazing!! They set us up to close the deal less than a month with no hiccups!! Thank you Thomas and Diana!! My husband and I look forward to continuing to work with you both on our future properties! I promise you THEY WILL take care of you!! From the moment You step into their office! read more

GEM Mortgage - Mortgage Brokers Near Me - Ontario, California

Great customer service and the way they explain everything is very very detailed thanks eddy for all the help. Glad you guys help with my first house house won't be the last time also read more

We were blessed enough to buy our second home and a major part of that blessing was coming into contact with Thomas L. from GEM Mortgage (Guasti) He walked us through the process and he instilled some home buying and credit knowledge, that our first lender (from our first home) failed to bring to our attention. If you're looking for someone who is real deal and straight up, has a grasp on all the financial aspects of lending, then look no further that GEM Mortgage! read more

Love working with this team! We recently completed our second refi and it's all thanks to them. Thomas, Eddy and Diana are extremely knowledgeable and provide exceptional service. Thomas is our lender for life! We will continue to recommended them to friends and family! read more

After a horrible experience with another lender we were recommended by our realtor to get a second opinion with GEM. From the beginning Thomas was the best. I had so many questions and he answered all of them, he was so thorough with us and VERY patient. He went above and beyond, treating us like we were family. Our escrow went so smooth thanks to our realtor and Thomas. He also had Melanie and Holly handling our file and they were great and so kind, they were constantly answering my questions and emails. We were going into this not very hopeful after our experience with the previous lender, but we got our dream home thanks to Thomas and team. We've already referred family and friends over to GEM since our experience was so great. read more

GEM Mortgage - Mortgage Brokers Near Me - Ontario, California

I cant express enough gratitude to the team at GEM! They made the home buying process so easy and stress free! When you have a lender like Thomas whose willing to go that extra mile always communicating throughout the entire process! Thank you Diana and Melanie for making sure all the paperwork was in order. We wouldn't have our dream home if it wasnt for everyone at Golden Empire Mortgage! Thank you so much! The Soto Family read more

At the beginning of my journey to buy a home it wasn't so pleasant! Not until I met eddy the communication was good the information was perfect his advise to stay in a price point was what made it even better!! Eddy and his team are the best the confidence the communication every thing just made it easier and better I wanted to give up a one point but his team made sure I wouldn't. My family and me are happy and appreciate what his team has done for us!! Buying our home and being able to do it was the best and having Eddy and his team telling us we can do it made it even better!!! I will definitely come back and I recommend him 100% thank you!! read more

I'm so pleased with the service I received from this team Eddy L, Melina G, and Melanie Z. We had tried in the past to purchase a home but every time for some reason I would always ended up chasing the lender to give or tell me what was the next step. I'm the type of person who likes to get things done fast, and I was not receiving that service. When we first got a hold of Eddy what I like about him is that he jumped right on it. He never paused for a minute and up to the day that we closed escrow he was always on top of his work as well as his team. I loved that they were always there no matter the day or time, they would always answer our questions. I loved that with someone like myself with no knowledge of the process he explained it to my husband and I in the way that we could understand. There we're times when he would explained it to me over the phone and he would ask me if I understood what he had just said I would say "yes" but when it was my turn to explained it to my husband I had no clue to what he had said lol. I knew that I could always call him and have him explain it to us all over again and again until we fully understood. My husband and I are very blesses that we had such an amazing team working with us. read more

I met Thomas by chance on April 20th 2013 during a hike. He is a friend of a friend of mines wife's cousin. I bit of a mind bender but it makes sense. The hike "Bridge to Nowhere", that hike, that chance encounter became much greater than what my family and I would ever imagine. We became FB acquaintances after that and fast forward to July 8th 2014, when I asked Thomas "what do you do". He told me what he did as a Mortgage Banker/ Purchase Money Specialist at Golden Empire Mortgage, and so I asked him for a favor. Can you review our profile, can you take a look at our credit and see what I need to do to get on track to buy our first home in 2016. He did, and he came back with good news, but my wife and I being skeptical as usual because of past experience we never tend to get very excited. He said to me, you guys have great credit, you guys have an advantage being first time home buyers but you will need some money down. I told him exactly what I had to work with and he said that is more than enough. Again I did not jump for joy because it just did not seem right, he said let me pre-approve you and your wife tonight and I will let you know exactly what you qualify for. The next day he came back with a pre-approved loan for us, and two scenarios based on my comfort level to make a home payment and have family fun funds. What good is a home if you cannot have fun with your family right. Thomas asked me if I wanted him to recommend a realtor to work with and I said yes. You have giving me all good news and I am going to ride this wave. He said to me "Ivan you find a home and I can guarantee to close escrow in 30 days". He paired us up with Linda Shores, she was to work with us to find a home, and she set us up with a profile online so we could review homes she thought where a good fit for us based on the input we gave her. We started going to see homes, we seen one in Pomona, fixed up house but the layout was not right, then one in Chino, nice property but it seemed like it needed a lot of work. Then we see the ONE, as soon as I walked into the home I felt it, I looked at my wife and she had a smile on her face. We walk thru the home with our girls and designated rooms to everyone. I even pictured having a dog in that massive yard out in the back. We asked Linda what we do next, we really like this one. She said that if we liked it lets put an offer in. She said we have a couple more homes to look at so off we went. The next day Linda asked if we wanted to make an offer on the home we liked, my wife and I said yes let's give it a shot. And so the waiting game began, we looked at a few homes in the meantime. By the way the waiting game was only 3 days before we heard back from the sellers. They wanted a counter offer, so I discussed with my wife and we put the counter in. We started to get discouraged, but Linda said, guys I have a very good feeling about this. And within 4 days we heard back, they accepted the counter, and I needed to place funds in Escrow. We then also started working with Diana Gutierrez who works with Thomas at Golden Empire Mortgage. She kept me informed of all the documents they needed and what I needed to provide her with so we can keep the momentum going. She was very quick in letting me know if I was missing any documents and I was in turn just as fast. If they needed a statement I got it to them within 24 hours. While all this is going on Thomas kept reassuring that now that the offer was accepted he would have us in our new home within 30 working days or sooner. Well it turns out Thomas is a man of his word. Offer was accepted on the 26th of July, and he had our loan fully funded by the 28th of August. And we had keys by the 30th. So on September 1st 2014 Toni, the girls and I walked into our new home. Two days later we added a family member to complete the dream. We brought in Rocky, an awesome rescue puppy from All Paws Rescue & Rehabilitation a local Chino rescue. Thomas, will let you know the truth about your situation and he will not let you down. Linda, will work hard for you to find exactly what you are looking for. Diana, works very fast on your files, make sure you provide her with everything she asks for. If anyone is still reading this and you are looking for an awesome team to help you find your home, contact Thomas, Linda and Diana. They can make it happen. Thomas thank you for being honest with us from the start, you delivered! A chance encounter on the Bridge to Nowhere would became a solid link to our future. read more

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My wife and I were dabbling with the idea of buying a house and were kind of on the fence because of the market. We were referred to Thomas and his team by a friend and had MANY questions about the VA Loan, payments, escrow, etc... Thomas was suuuuper patient and literally broke it down for us. He was always so professional and prompt in finding us the info we needed. I couldn't have had a better experience buying a home through him and his team. As a first time buyer I was nervous, but Thomas made the experience so painless. From the moment you step into his office, he makes you feel like family. He's very transparent and won't give you the run around. Expect him to be honest with you (don't be sorry if you can't handle the truth). I had a lot of questions about the VA loan and he enlightened me on so many things I didn't even know I qualified for. Overall, I would ABSOLUTELY RECOMMEND Thomas and his team to anyone considering buying a home. Throughout the process, we really felt like we were in good hands. My wife and I are happy to call him a friend. 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