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Lyle Morgan
Loan Officer
NMLS ID #: 267354
Office: 916-337-2721
Mobile: 916-337-2721

In 2004, I walked away from an executive position in the food distribution industry to help people understand and secure financing for real estate. Back then, there were so many dishonest people in the mortgage industry that I knew putting my clients’ needs first would allow us both to succeed. Honesty earns trust, and my clients trust me to do the right things for them. That’s why I still originate mortgages today despite the wacky changes in this industry over the past decade.

It is especially rewarding for me to help first time homebuyers. I cannot describe how wonderful it is for me to be a positive part of my clients’ home buying experience. It is about helping them, but I would not enjoy it so much if it did not make me feel good about what I do every day. Of course, I help my clients purchase other properties and refinance too. I want to help my first time homebuyers to accomplish their goals after that first purchase. It may be a refinance or buying a bigger house, a second home, or an investment property. I give a lifetime commitment to my clients.

I value quality over quantity. My clients receive 100% of my focus and efforts, and I will never take on so many clients at one time that this business philosophy will ever change. Other loan originators may need to build huge teams of secondary loan originators and assistants to help manage their business. These people measure success by their income and the number of sales awards they receive from their companies and peers in the industry. My preference is to ensure that my time is spent on my clients and knowing about the constant changes in loan guidelines and products, not building new business. As I take great care of my clients, I receive enough new business from referrals that I do not need to actively market myself. That leaves me with more time for my clients.

GEM Mortgage, Golden Empire Mortgage, is a privately-owned mortgage company that understands my need to offer first time home buyer programs. GEM is unusual in this regard as most large mortgage companies avoid this segment because the revenues on first time homebuyer loans are lower and the expenses tend to be higher. GEM offers a wide portfolio of other mortgage products as well. Together, GEM and I can help you accomplish your home ownership goals.

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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.

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