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
Art was very knowledgeable about the types of Heloc loans available . He had great communication throughout the process
Reply from Arturo Esparza
February 10th, 2025 10:28 PM
Valerie, thanks so much for the kind words! I'm really glad I could help you navigate the different HELOC options and that you felt well-informed throughout the process. It was a pleasure working with you on your second mortgage. My goal is...
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I had a great experience with Art & his team!
Reply from Owner
February 21st, 2026 02:35 AM
Thanks so much, J. I'm glad to hear you had a great experience with my team and me. We truly appreciate your feedback and look forward to helping you again in the future.
Everything wS was great he helped us abd and if we had any questions he was always there thanks a million for all your help and for helping us make our Drean come true geting our home . Thanks 100% happy
Reply from Arturo Esparza
January 24th, 2025 10:59 PM
Juan and Maria, thank you for the wonderful review and for giving me a 5-star rating. I'm glad I was able to assist you in purchasing your new home. It's always my goal to provide effective, friendly service and I'm happy to hear that I was...
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Art was always there to answer calls, and text. He was professional, pleasant and ready to help when I was frustrated. Art has the experience and knowledge to get the job done smoothly. I am so happy with working with him and I would highly...
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Reply from Arturo Esparza
October 16th, 2024 06:18 PM
Maddie, thank you so much for the kind words! It was truly a pleasure helping you and Jeff find the perfect home. I know how much this means to both of you, and I'm so glad I could play a part in making this happen. I wish you both all the...
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My husband did all the communicating with Art and he always speaks so highly of him. All our needs were well taken care of. It seemed as though we were a priority always! Thank you Art for a great experience!
Reply from Arturo Esparza
October 8th, 2024 10:11 PM
Dana, you've made my day! Tell Mike I said hi, and that I appreciate him saying such great things about me (though I'm sure he was slightly exaggerating 😉). Seriously though, thank you both for your trust and for allowing me to help you with...
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Art and his team were helpful in understanding everything, were timely and communicative, answered all my questions, and made every effort to get things done right! I felt supported and appreciated throughout the process.
Reply from Arturo Esparza
October 8th, 2024 10:15 PM
Thanks so much, Chuck! We're thrilled to hear that you felt supported and appreciated throughout the process. Our team works hard to make sure every client has a positive experience, and your feedback means a lot to us.
The attention to detail and caring about the customer.
Reply from Arturo Esparza
October 8th, 2024 10:18 PM
Thanks, Coach Bryan! Always striving to provide the best for my clients, especially those I've shared the basketball court with for so long. Appreciate the great review!
Great experience. If you are looking to get a loan. Art and MC are the best!!
My experience was great because Arturo made himself available 24/7. He responded to every one of my questions in a prompt and professional manner.
Reply from Arturo Esparza
August 21st, 2024 06:38 PM
Hi Nanci! I'm thrilled to hear that you had such a positive experience! I always strive to be available and responsive to my clients, so it's wonderful to know that it made a difference for you. If you have any more questions or need assistance...
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Art was very helpful through the mortgage process. We are so appreciative that we were able to close in time to move straight to our new house
Reply from Owner
February 21st, 2026 02:35 AM
I'm thrilled to hear you had such a positive experience with your mortgage process, Michelle! It was a pleasure to ensure everything went smoothly so you could move straight into your new house. Your feedback means a lot to me and the whole...
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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."