About CIB Funding
CIB Funding, a division of Golden Empire Mortgage, has been serving the mortgage industry in Southern California for over 22 years.
WE ARE YOUR LOCAL HOME TOWN LENDER!
With Heather Hakes as manager, the team at CIB Funding's success has come from their strong commitment to providing quality loan products as well as excellent customer service.
CIB Funding has led the Inland Empire in government lending for the past 10 years. FHA borrowers can expect excellent service from the most knowledgeable and experienced team of mortgage originators available. Our VA borrowers, whether Active Military or Vet's, rest assured, we've got your back! Conventional borrowers, we can streamline your refi or originate your Jumbo purchase quicker, easier, and with the guarantee of professional integrity unmatched by any of our competitors.
CIB Funding...We close loans...it's what we do!
Many first time homeowners are choosing to consider FHA insured loan programs which can permit an easier time to qualify for a mortgage loan with as little as 3.5% down payment limiting your upfront costs.
Conventional Fixed Rate Mortgage
Conventional fixed rate loans are offered up to a 30 year term and are made available through government sponsored organizations known as Fannie Mae and Freddie Mac. The fixed rate and payments are fixed for the life of the loan dependent upon the term selected.
VA Home Mortgages
VA homes are available to help veterans, active duty military, National Guard, reservists, and surviving spouses to afford the homes they deserve. The Department of the Veterans Affairs determines the eligibility dependent upon the length and type of service by the service member.
Adjustable Rate Mortgage (ARM)
ARM loan are loans based upon market indexes that become adjustable after a fixed rate period between 5, 7 or 10 years. The interest rate could go up or down dependent upon the market factors. Typically starting ARM rates can be lower than traditional fixed rate mortgages.
Golden Empire Mortgage
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.
What they're saying about GEM...
- Heather and Trent helped me through 2 major purchases in my life. My first house and then my first refinance. They were professional and knowledgeable and took care of business! Thank you so much I love you guys!Madelyn M
- Heather is absolutely amazing and made this process seem smooth and easy. She left me feeling confident with everything through the entire process.Tyler B
- Carol and Heather are the best to work withRonald D