Carlsbad, Carlsbad, CA
Carlsbad, CA
Golden Empire Mortgage, Inc. is a privately held, full-scale mortgage banker with more than 75 retail branches throughout California, Arizona, Oregon and Washington. Family owned, GEM Mortgage division, offers a wide array of mortgage produ... Show More
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Melissa was very knowledgable, professional, responsive and supportive during the entire process.
Reply from Melissa Sparks
August 10th, 2026 08:12 PM
Thank you for your kind words, James. I'm pleased to know that you found my knowledge and support helpful throughout the process. If there's anything else you need or any questions you have, please don't hesitate to reach out.
Melissa was always available to me. She explained every step in the process. She worked diligently on my behalf. She was always professional and considerate in our conversations. She made the American dream a reality for me. I would recommend...
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Reply from Melissa Sparks
August 3rd, 2026 03:25 PM
Thank you for your kind words, Tracy. I'm grateful to have been part of your journey towards achieving the American dream. It's wonderful to know that my efforts and communication made a positive impact on your experience. If you ever need...
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Working with Melissa made the home-buying process so much easier than I expected. She was knowledgeable, responsive, and always took the time to explain each step of the process and answer all of my questions. I always felt informed and supported,...
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Reply from Melissa Sparks
July 23rd, 2026 04:07 PM
Thank you for sharing your wonderful experience, Bailie. I'm glad to hear that I could make the home-buying process easier and help you feel informed and supported throughout. Your kind words about my professionalism and dedication mean a lot...
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She was very friendly and willing to answer all our questions and made herself available any time we needed her.
Reply from Melissa Sparks
May 4th, 2026 01:18 PM
I'm pleased to hear that you felt supported and found me available to assist whenever needed, Joseph. Your satisfaction is important to me, and I'm glad I could help with your questions throughout the process. If there's anything else you need,...
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I will never do a loan without Melissa. She takes the time to explain everything and makes sure the process is smooth and done correctly. This is my second loan and she exceeds expectations time and time again.
Reply from Melissa Sparks
March 9th, 2026 06:12 PM
I'm really grateful for your kind words, Tyler. Knowing that the process went smoothly and met your expectations means a lot to me. It’s great to hear that I could support you effectively on your second loan. If you ever need further assistance...
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Melissa is exceptionally knowledgeable about the products and is gifted in her ability to deal with details . She presentxs comparisons, watches the markets and is endlessly willing to recalculate all of the scenarios, explain them and after...
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Reply from Melissa Sparks
February 2nd, 2026 04:54 PM
I'm pleased to hear that you found my knowledge and attention to detail beneficial during your experience, Barbara. It's rewarding to know that the explanations and comparisons provided helped make your process easier. I appreciate your encouraging...
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Overall, Melissa commnicated everything in a timely manner and made sure everything was on track to close. She further worked on getting me the best rate possible. Everything went smoothly with the closing.
Reply from Melissa Sparks
December 25th, 2025 03:45 PM
Thank you for taking the time to share your experience, Marcel. It's great to hear that the communication and closing process was smooth for you. I'm glad we were able to secure a favorable rate that met your needs. Should you have any further...
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Prompt and helpful
Reply from Melissa Sparks
December 22nd, 2025 04:56 PM
Your feedback is valued, Polina. I'm pleased to hear that I could be of service. If you ever need further assistance or have questions down the road, I'm here to help.
Melissa was incredible to work with! I had limited knowledge about the lending process when I applied for a home loan in the fall of 2025. Melissa's expertise, guidance, and genuine kindness allowed me to feel optimistic and confident about,...
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Reply from Melissa Sparks
December 10th, 2025 05:25 PM
Tonya, I'm pleased to know that my expertise and guidance helped make your home loan journey a positive experience. It's fulfilling to hear that you felt supported and informed throughout the process. I always strive to address each challenge...
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Everything... Super helpful, informative, patient, and very pleasant.
Reply from Melissa Sparks
December 4th, 2025 06:25 PM
Your positive feedback is greatly appreciated, Linda. I'm glad to hear that my assistance was beneficial to you. If you need any further information or help in the future, don't hesitate to get in touch.
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About
Golden Empire Mortgage, Inc. is a privately held, full-scale mortgage banker with more than 75 retail branches throughout California, Arizona, Oregon and Washington. Family owned, GEM Mortgage division, offers a wide array of mortgage products with a focus on quality, compliance, and unmatched customer service. In 2016, the company is on track to fund in excess of $2 billion in mortgages and for each of the past four years has been recognized as one of the Top Mortgage Bankers in America and 50 Best Companies to work for by Mortgage Executive Magazine. Golden Empire Mortgage was founded in 1987 and is based in Bakersfield, California.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Pacific Standard Time (PST)