Efrain Miramontes
Loan Officer
Buying a home is an essential part of the American Dream. I'm a data driven Mortgage Advisor who helps clients build long-term wealth through homeownership, focusing on value, not just price. I will proactively coach you over time to ensure...... Show More
Location & Business Hours
Friday
8:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Efrain is a great lender, he’s very clear in all his communication, he makes sure to explain everything and is always happy to break things down. As a first time buyer, it was a super pleasant experience working with Efrain and I’d recommend...
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Reply from Efrain Miramontes
December 17th, 2024 08:36 PM
Thank you Samir! I really enjoyed working with you! I’m really excited to see you grow with your first home! Cheers
I was introduced to Efrain by one of my coworkers as I was explaining to them how I was looking at buying a new home. I had already been approved by another Lender and wasn't having the best experience. This being my first home I was personally...
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Reply from Efrain Miramontes II
July 23rd, 2024 11:45 PM
Thank you Brian for giving me the opportunity to assist you in this big decision in your life! The Best is yet to come! Cheers
Highly recommend Efrain! I have used him as a lender for years. As a realtor I can tell you him and his team have made every transaction I’ve worked with them very smooth and straightforward. They don’t have any hidden fees and don’t adjust...
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Reply from Efrain Miramontes II
July 10th, 2024 07:04 PM
Thank you, Nick, for the kind words. I'm thrilled you have had a positive experience with me and look forward to providing my assistance to you in the future!
Efrain made purchasing my first home a breeze. He was able to answer any question I had with great detail. Efrain broke down all the different funding options and provided a mortgage coach that was very easy to understand and locked me in at...
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Reply from Efrain Miramontes II
July 10th, 2024 07:00 PM
Thank you, John, for trusting me to you guide you & your family in this important life decision!
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About
Buying a home is an essential part of the American Dream. I'm a data driven Mortgage Advisor who helps clients build long-term wealth through homeownership, focusing on value, not just price. I will proactively coach you over time to ensure you always have the best mortgage to achieve your goals.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
mortgage
financial advice
credit repair
FHA Mortgage
Conventional Fixed Rate Mortgage
VA Home Mortgages
Adjustable Rate Mortgage (ARM)
First Time Homebuyer
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Search Rank ScoreLearn More →
107
/850
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Positions
- Golden Empire Mortgage, Inc. - Loan Officer
Memberships
- 24 Hour Fitness
- Esporta
Addresses and Serving Areas
Licenses
- NMLS #23332943
Hobbies
- Fitness/Gym
- Video Games
- Anaheim Angels
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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 Financial Protection and Innovation pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in California and throughout the United States in the additional states by clicking here