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(Open now)
Sat
closed
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Reviews from Web
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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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 Arturo Esparza
May 11th, 2026 06:54 PM
Heath, I truly appreciate your generous feedback and am so thankful for the opportunity to help you through the home-buying journey. I’m glad I could make the process easier for you and provide the support you needed at every step. Your recommendation...
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Arturo Esparza has received a review with 5 star rating from Monica L
Reply from Owner
May 14th, 2026 10:54 PM
I appreciate the great rating, Monica. Thank you for choosing to work with me at Golden Empire Mortgage, Inc.
He is very help
Reply from Arturo Esparza
April 9th, 2026 10:18 PM
I appreciate your feedback, Ruben. It's important to me that you find the process helpful. If you have more to share or need assistance, feel free to reach out. Thank you for your review!
Arturo was very polite. Excellent customer service. Answered all my questions and if I didn’t understand, He put it in away that I couldn’t understand. He was very helpful. Thank You
Reply from Owner
April 6th, 2026 11:35 PM
Hi Nadia, thank you so much! It was an honor to help you navigate this process. You embody the American Dream, and I’m so proud of what you’ve achieved for yourself and your three daughters. Enjoy your new home!
If I had any questions Arturo would answer it. He made sure I understood the process. He was great and very helpful.
Reply from Arturo Esparza
April 1st, 2026 04:40 PM
I'm glad to hear that you felt well-supported throughout the process, Nadia. Ensuring that all your questions were answered and that you understood each step was important to me. Thank you for trusting me with your mortgage needs.
helped me with my first home purchase in the state of California and now my last home purchase. Great jod!!
Reply from Arturo Esparza
February 20th, 2026 09:16 PM
It's wonderful to hear about your experiences with both your first and most recent home purchases, Doug. I'm pleased to have been a part of these significant moments in your life. Thank you for your kind words. If you ever need further assistance,...
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Art was great! He made our home buying process easy. I would definitely recommend to anyone trying to buy a home.
Reply from Arturo Esparza
February 9th, 2026 09:40 PM
I'm pleased to know that your home buying process went smoothly, Christopher. Making the experience easy for you is always my goal. Your recommendation is highly appreciated. If you have any more questions or need assistance in the future,...
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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
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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."