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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Arturo and Tyler were both very responsive and helpful throughout the whole process.
Reply from Arturo Esparza
July 11th, 2025 02:36 PM
Selena, I'm glad to hear that you found my assistance, along with Tyler's, to be responsive and helpful. It's important to me that the process went smoothly for you. Thank you for trusting me with your purchase needs. If there's ever anything...
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Arturo and his team were with us every step of the way in the home buying process. He was very knowledgeable, giving us tips, and easy to reach if we had questions. He would update us on the current interest rate, and was patient with us in...
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Reply from Owner
February 21st, 2026 02:35 AM
Antonio & Morena, I appreciate your kind words and recommendation. It means a lot to know you felt supported throughout your home buying journey. I'm glad I could offer helpful insights and keep you informed every step of the way. Your patience...
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Arturo was very professional and helpful in explaining the process of purchasing our first home. He would give us updates on the mortgage interest rate, provided the best possible deal, and was easy to contact if we had any questions. I would...
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Reply from Arturo Esparza
July 1st, 2025 08:49 PM
Antonio, I'm glad to hear that your and Morena's first home purchase was a positive experience and that I could assist you effectively. It was my pleasure to keep you informed and to help find the best possible deal. Thank you for your kind...
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Our family has been using this team for a while now and it’s been nothing but smooth sailing! The patience and dedication is above and beyond! Thank you once again!
Reply from Owner
February 21st, 2026 02:35 AM
Emely, I'm so pleased to hear that your family has consistently had a positive experience working with me. It’s wonderful to know that the patience and dedication I strive to provide have been meaningful to you. Thank you for your continued...
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Thank you for all your patience hard work and dedication! We were super happy to be working with you and your team once again!
Reply from Arturo Esparza
July 1st, 2025 08:57 PM
Enrique, I'm glad to hear that you were satisfied with the process and our team's effort. It was a pleasure working again with you and Carolina, and I appreciate your kind words. Even though it took some time from when we began, everything...
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Mi experiencia con esta compra fue muy buena gracias a todos su equipo de colaboradores yo lo recomiendo con confianza. Exelente co.unicacion y asesoramiento
Reply from Arturo Esparza
June 8th, 2025 12:35 AM
Estoy encantado de saber que tuvo una experiencia positiva con su compra. Fue un placer asistirle, y agradezco su confianza y recomendación. Su satisfacción es nuestra prioridad, y estamos aquí para ayudar en lo que necesite.
Art was very very professional. He answered all my questions took all my calls when I had questions made me feel really comfortable about the process and I would recommend him to anyone.
Reply from Arturo Esparza
May 24th, 2025 09:08 PM
I'm glad to hear that I was able to provide you with a professional and comfortable experience throughout the process. Thank you for your recommendation, Reno. If you have any more questions or need further assistance, feel free to reach out....
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Our family highly recommends Art and his team.
They were there every step of the way, to address any questions or concerns.
If your buying your first home, don’t hesitate to call
Reply from Owner
February 21st, 2026 02:35 AM
I'm thrilled to hear that you and your family had such a positive experience with the team and me. It was a pleasure to assist you throughout your home-buying journey. Thank you for your recommendation, and if you have any further questions...
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Our Family's was beyond great.Art went above and beyond with helping our family, With the entire process of buying our first home.Art and his team were there to help with any questions or concerns.If your buying your first home, we highly recommend...
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Reply from Arturo Esparza
May 24th, 2025 09:10 PM
I'm thrilled to hear that your experience with purchasing your first home was exceptional. It was a privilege to assist you and your family throughout the process. Thank you for your kind recommendation of me and my team at Golden Empire Mortgage,...
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Arturo Esparza has received a review with 5 star rating from Valerie G
Reply from Owner
February 21st, 2026 02:35 AM
Thank you, Valerie. You can always count on me to assist you with your real estate lending needs.
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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."