GEM Mortgage, 420 Barstow Rd, Barstow, CA 92311, US

HistoryMillions of American's dream of owning a home, raising a family, and even running their own business. Primary Residential Mortgage, Inc. knows a little bit about those dreams. We opened our doors for business back in 1998. Operating out of a small executive suite with a handful of employees, we closed 321 mortgages for $35 million our first year. Like many entrepreneurs just starting out, we weren't sure where the road would lead, but we were passionate about our work. Today, Primary Residential Mortgage now has a nationwide family of employees numbering 1800 strong. We have more than 275 branches across the country and are licensed to do business in 49 states. And in spite of the fantastic growth we've experienced, we haven't forgotten where we came from. We believe in being small even though we've gotten big and hold fast to the principle of keeping a personalized approach to business, making sure our borrowers get a customized mortgage experience.SpecialtiesMortgages are not one-size-fits-all. Each one is as unique as the people that apply for them. Income, credit history, and desired type of residence are just a few of the numerous factors that make each borrower's profile different. Regardless of your circumstances, our lending philosophy is simple: hassle-free, professional, and personalized service. Some of the Loan Programs Available at PRMI Include: * FHA Choice: Special financing for FICOs between 500 and 640 * Lock and Shop: Allows buyers to lock in rates while still shopping * HomePath: Low down payment with no MI. * Energy Efficient Loan: Financing for cost-effective, energy saving measures for new or refinanced homes. * 203K Dream Loan: Borrower can get up to $31,000 above purchase price toward home repair or remodel. * Breathe Easy: Dramatically reduce your first 6 payments! Perfect for new home buyers. * USDA: Rural financing with no down payment * JUMBO: Covers loans up to $2 million. * Conventional, FHA, VA, and more