René Arauz- GEM Mortgage
Certified Mortgage Advisor | NMLS # 259318
Hi! I am Rene Arauz! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my decades of
experience to work for you. My goal is to help you reach yours by providin... Show More
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Reviews from Web
Rene took the time and explained the process of buying a home down to tge last day. Communication and guidance was great.
Reply from Rene Arauz
October 14th, 2025 04:58 PM
Thank you for taking time to describe your experience, Rey ! Your cooperation made it possible to
close on time. Very happy for you and your family. I remain at your service. Blessings !
The process of buying a home could not have been any better. Rene and his team made my family feel comfortable with purchasing our first home. Thank you again.
Reply from Owner
November 23rd, 2025 12:00 AM
Great to know that you were pleased with the process. Very happy that everything came together
for you and your family. I remain at your service . Blessings !
Rene is amazing!!! Constant communication and updates made the process so easy. I always felt like he had my best interest at heart, like a member of his family and not a stranger. Would recommend Rene to everyone!
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Reply from Rene Arauz
October 6th, 2025 03:41 PM
Thank you, Tina. Your kind words are very much appreciated ! I'm very happy that we were able
to reduce your rate and payment significantly. I remain at your service. Blessings !
Accessibility
Reply from Rene Arauz
September 12th, 2025 08:06 PM
Hi Jason. Happy to know that my availability was valuable and helpful to you. We worked well
together which contributed to closing your purchase on schedule I remain at your service. Blesssings !
As a first-time buyer, I was intimidated by the loan process, but Rene made it simple and stress-free. He worked tirelessly, explained everything in detail, and made the impossible feel possible.
Reply from Rene Arauz
September 12th, 2025 04:24 PM
Thank you for your kind words ! Your description of your experience is very rewarding because that was my goal. I enjoyed working with you and Eduardo. I'm super happy for you and your families. I remain at your service. Blessings !
I never imagined I’d be in a position to buy the home I grew up in, and this opportunity came out of nowhere. As a first-time buyer, I had no idea what I was doing, and the loan process felt overwhelming. From the very beginning, Rene worked...
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Reply from Owner
October 23rd, 2025 12:00 AM
Thank you, Tina. Your kind words are very much appreciated ! I'm very happy that we were able
to reduce your rate and payment significantly. I remain at your service. Blessings !
Rene is dedicated to his clients. We needed a lot of guidance and education as first time home buyers and Rene was patience and took his time not only to educate us but to always be available at any time of day if we had any questions. He definitely...
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Reply from Owner
October 23rd, 2025 12:00 AM
HI Guadalupe. Your kind words are music to my ears ! Buyer education is paramount to me so
it's rewarding to know that I succeeded in that regard. I remain at your service. Blessings !
Rene is committed to ensuring his clients receive the right help they need to purchase a home and understand every step of the process. As first time home buyers, we needed a lot of education and guidance and Rene provided that knowledge at...
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Reply from Rene Arauz
October 23rd, 2025 07:11 PM
Thank you, Javier ! Excellent teamwork led to the desired outcome. Blessings to you and your
family. I remain at your service.
Rene is dedicated to his clients. We needed a lot of guidance and education as first time home buyers and Rene was patience and took his time not only to educate us but to always be available at any time of day if we had any questions. He definitely...
read more
Reply from Rene Arauz
July 17th, 2025 11:27 PM
I'm very grateful for your kind words, Guadalupe. As a first-time home buyer, having the right information and support is crucial, and I'm delighted to have been there to guide you through the process. Very happy for you, Javi and your little...
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Upfront, commitment to excellence, no
Reply from Rene Arauz
July 15th, 2025 07:44 PM
Thank you, Jorge. I enjoyed working with you. I'm very happy that we were able to accomplish
the mission and that your family can now have peace of mind. I remain at your service. Blessings !
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About
Hi! I am Rene Arauz! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my decades of
experience to work for you. My goal is to help you reach yours by providing the information and options you need to make the best possible decisions.
I specialize in First time homebuyers, self employed borrowers and applicants with DACA permits.
Products & Services
Mortgage Lender
FHA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Reverse Mortgage
Specialities
FHA loans
Conventional loans
VA loans
Jumbo loans
Fixed rate loan
Adjustable rate loan
Down Payment Assistance
Home Equity Line of Credit ( HELOC)
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Positions
- Gem Mortgage - Branch Mgr/Loan officerNov 1st, 2008 - Current
Memberships
- California Association of Mortgage Professionals
- USC Alumni Association
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1982
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 259318
Achievements
- My greatest achievement is a long happy marriage.
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."