Welcome To Golden State Mortgage – Your Local California Mortgage Company

Apply Online in 2 - 3 Minutes

  • Direct California Mortgage Lender
  • In-house Underwriting & Processing
  • No Cost Loan Estimates

Refinance Today and Save

  • Rate & Term, Cash-out Equity
  • Free Mortgage Consultation
  • Streamline Options Available
Our Popular California Home Loans
30 Year Fixed Conventional, FHA, VA and USDA Home Loan Options
Conventional Rates


Primary, 2nd Homes &
Investment Properties

FHA Rates


Great for 1st Time Buyers
Only 3.5% down

VA Rates


100% Loans to Conforming
Jumbo Options Available

USDA Rates


100% Financing
Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . Rate Assumptions

Why Choose Golden State Mortgage?

Our goal is to close every loan in 28 days or less. Local underwriting, processing, and closing allows for fast approval and on-time fundings.
Direct California Mortgage Lender with Low Mortgage Rates and Low Fees. Direct FHA, VA, and USDA Approved Lender.
We are Local to California and provide top-notch customer support. We will be with you at every step from application to closing.
California New Home Loans

California Home Mortgage
Conforming, Super Conforming

  • Primary, Secondary or Investment Properties
  • Single Family and Multi Family Properties
  • Lower Rates and Better Terms
  • Direct Lender – Control From App to Funding
California FHA Home Loans

California FHA Home Mortgage
California 1st Time Home Buyers

  • Great for First Time Home Buyers
  • 3.5% Down Payment
  • Low Rates / Easier Qualifying
  • Lower Credit Scores / Alt Credit OK
California VA Home Loans

California VA Home Mortgage
Proudly Serving our California Veterans

  • 100% Financing to Conforming Limits
  • Low Rates / Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Lower Credit Scores Allowed
California USDA Home Loans

California USDA Mortgage Loan
California Rural Home Buyers

  • 100% Financing Rural Properties
  • Closing Costs May be Financed
  • Repairs Can May be Financed
  • Income & Property Restrictions Apply

California Customer Service

California Home Mortgage
DBA of Open Mortgage, LLC

2244 Pacific Coast Hwy #106

Lomita CA 90717

Northern California Home Loans

Central California Home Loans

Southern California Home Loans

Why Golden State Mortgage Company?

As a local California mortgage company, Golden State Mortgage specialize in new home loans and refinancing. As a direct mortgage lender Golden State Mortgage company has loan programs and options not available to traditional mortgage brokers. Whether a first time home buyer needing a California FHA home loan, a US military veteran needing a California VA home loan, or a seasoned investor looking for a California Conventional home loan Golden State Mortgage has options for your next new home purchase. As a direct mortgage lender we offer low rates and fees and with local California operations allowing for quick, common sense decisions. We can typically get you approved fast and can close your loan in less than 28 days. Need a new home loan in California? Call us today or apply online and let us earn your business!

Our Mortgage Loan Process


  • Direct Mortgage Lender- Low Rates & Fees
  • Full Range of Mortgage Programs
  • Technology Driven
  • Same Day Pre-Qualifications
  • Streamline Process, Fast Closings & On Time Funding
  • Typically Close in 28 Days or Less!
The Value of Golden State Mortgage Company? (it’s our people!)
Greg Block
SR VP Lending
NMLS 150179
Shelly Gremilion
Branch Manager
NMLS 296491
Dale Gremillion
Sr Loan Officer
NMLS 210325
Russell Stout
Sr Loan Officer
NMLS 220896

California Mortgage Lenders | FHA, VA, CONVENTIONAL, SUPER-CONFORMING, JUMBO & USDA Home Loans

Call today to learn why more Californians are choosing Golden State Mortgage. Golden State Mortgage Company is a direct lender offering a full line of mortgage products with great rates, low fees and fast closings. Whether US Military in need of a California VA home loan or a 1st time home buyer in need of a California FHA home loan, we have you covered. Learn more about all of our Loan Options.