S
San Jose, CA
San Jose, 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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Joe Cucchiara
Joe and his team were great communicators and made our first time home buying process go smoothly and with as little stress as possible. They listened to our concerns and were flexible to our needs.
Reply from Joe Cucchiara
September 3rd, 2026 08:38 PM
Grace, I'm grateful for your kind words about my team and me. I'm happy to hear that we could make your first home buying experience smooth and stress-free. If you ever have more questions or need assistance in the future, please feel free...
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for
Joe Cucchiara
Great followup; willing to work with us.
Reply from Joe Cucchiara
August 3rd, 2026 01:09 PM
Michelle, thank you for highlighting my follow-up and willingness to work with you. I'm pleased to have been a part of your home purchase process. If there's anything else you need, please feel free to reach out.
for
Joe Cucchiara
excessive amount of unrealistic documentation required
Reply from Joe Cucchiara
July 27th, 2026 05:44 PM
Wayne, thank you for your feedback. I understand that the documentation process can sometimes feel overwhelming. Please reach out to me directly if you'd like to discuss this further or if there's anything else I can assist you with.
for
Joe Cucchiara
Joe's communication amd professionalism is outstanding.
Reply from Joe Cucchiara
July 6th, 2026 02:32 PM
Jeffrey, I appreciate your kind words about my communication and professionalism. I'm glad to have been able to assist you with your refinancing needs. If you need any further help, please don't hesitate to reach out.
for
Joe Cucchiara
Excellent experience: immediate responsiveness, clear direction, commitment to ensuring the best outcome, comprehensive depth of knowledge and skill
Reply from Joe Cucchiara
July 3rd, 2026 07:29 PM
Angela, I'm happy to hear that you had an excellent experience with the refinancing process. Your feedback on my responsiveness and expertise is greatly appreciated. If you need any further assistance, please feel free to reach out.
for
Joe Cucchiara
Joe's communication was clear and he was always available for us. I highly recommend working with him
Reply from Joe Cucchiara
April 20th, 2026 06:27 PM
Thank you for your kind recommendation, Rama. I'm pleased that my communication and availability met your needs during the process. If there's anything else I can assist you with, please let me know.
for
Joe Cucchiara
Thanks for making the process as smooth as possible!
Reply from Joe Cucchiara
April 9th, 2026 02:55 PM
It's great to hear that the process was smooth for you, Leslie. I always strive to make refinancing as straightforward as possible. If you ever have more questions or need further assistance, please feel free to reach out.
for
Joe Cucchiara
This was the second time I've worked with Joe on a mortgage/refi, and he has crushed it. In both instances, his calm advice on timing and options has been excellent, and we managed to get a better rate than anywhere else I could find.
Reply from Joe Cucchiara
April 3rd, 2026 02:36 PM
I'm glad to hear that your experience with me has been positive for both of your mortgage and refinance needs. Your feedback on my advice and efforts is invaluable, and I'm pleased to know you secured a great rate. If there's anything further...
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for
Joe Cucchiara
Easy to work with and smooth
Reply from Joe Cucchiara
April 2nd, 2026 02:24 PM
I'm grateful for your kind words, Timothy. It's nice to know you found the refinancing process smooth and easy to work with me. If there’s anything else you might need, please don’t hesitate to reach out.
for
Joe Cucchiara
Easy process! Would highly Recommend!
Reply from Joe Cucchiara
March 23rd, 2026 05:16 PM
Thank you, Hannah, for sharing your positive experience. I'm pleased the process was smooth for you, and I appreciate your recommendation. If there’s anything else I can assist you with, feel free 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)