Arturo Esparza
Loan Officer | NMLS # 237013
Over 31 years of serving the financial real estate needs of our Kern County Community both in English and Spanish!
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Everything was great his very kind person the people who helped me out too ,
Reply from Arturo Esparza
September 7th, 2026 01:54 PM
Maria, I'm glad to hear that everything went well and that you found me and my team to be kind. Thank you for sharing your positive experience with us at Golden Empire Mortgage, Inc.
Art is not only very personable, he is extremely knowledgable about the mortgage industry and communicates in a timely manner. I wouldn't use anyone else for a mortgage.
Reply from Arturo Esparza
July 9th, 2026 06:45 PM
Scott, I appreciate your kind words and trust in my services. It's great to know that you found my communication timely and expertise in the mortgage industry valuable. Thank you for choosing me for your refinancing needs at Golden Empire Mortgage,...
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overall experience was very positive. Art and his staff were extremely helpfu, they kept us informed and understanding of the process. We left HAPPY !!!
Reply from Arturo Esparza
July 6th, 2026 01:51 PM
Mark, I'm grateful to hear that your overall experience was very positive and that you felt informed and understood throughout the process. It's wonderful to know you were happy with the service provided by my team and me. Thank you for choosing...
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Good people doing good thing.
Reply from Arturo Esparza
July 6th, 2026 05:36 PM
Todd, I'm happy you feel that way about my team and me. Thank you for recognizing our efforts at Golden Empire Mortgage, Inc.
Very professional and thorough. Overall great communication. Always available and willing to answer questions. Highly recommende!
Reply from Arturo Esparza
June 29th, 2026 02:14 PM
Dana, I appreciate your kind words and recommendation. I'm glad to hear that you found my communication professional and thorough during your home purchase process. Thank you for trusting me with such an important decision.
Quick, easy, convenient process
Reply from Arturo Esparza
June 8th, 2026 04:14 PM
Steven, I'm pleased to hear the process was quick, easy, and convenient for you. Thank you for your great feedback and for choosing to work with me at Golden Empire Mortgage, Inc.
Art never hesitated to make our loan experience excellent!
Reply from Arturo Esparza
May 28th, 2026 06:45 PM
Eric, I'm so glad to hear that your loan experience was excellent. Thank you for your kind words and for choosing to work with me.
Art was as professional as you can get. Throughout the entire process, he was clear, optimistic, confident, and kind every step of the way. Whenever an issue came up, he always provided solutions, which gave us tremendous peace of mind.
Reply from Arturo Esparza
May 28th, 2026 05:45 PM
Ruben, I'm grateful for your kind words and pleased that my approach provided you with peace of mind throughout the process. It's important to me to offer clear solutions and maintain a positive experience. Thank you for trusting me with your...
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Everything went smoothly.-
Reply from Arturo Esparza
May 14th, 2026 04:27 PM
I'm happy to hear that everything went smoothly, Kathleen. Thank you for sharing your experience and for the great rating!
Working with Art was honestly an amazing experience from start to finish. Buying a home can be stressful and overwhelming, but Art made the entire process so much easier for us. He was always available to answer questions, even after work hours,...
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Reply from Owner
May 14th, 2026 10:54 PM
Destiny, I'm grateful for your kind words and am pleased to hear that you had such a positive experience. It was important to me to ensure you felt comfortable with each decision and to support you every step of the way. Thank you for your...
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About
Over 31 years of serving the financial real estate needs of our Kern County Community both in English and Spanish!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Reverse Mortgage
DSCR Loans
Cash-Out Refinances
Specialities
Bilingual Support: Assistance available in both English and Spanish
In-House Underwriter: Streamlined process for faster approvals
93309
With 30+ years of experience, I provide solutions for first-time and move-up buyers, and investors.
With 30+ years of experience, I offer tailored mortgage solutions.
FHA
VA
Heloc
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Positions
- Mortgage Connection - Branch ManagerSep 1st, 2005 - Current
Memberships
- Bakersfield Breakfast Rotary
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1993
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 237013
Disclaimer
"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:
Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.
Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.
Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.
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 Applicants
Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions."