About Laura Berg
Loan Officer HMS Capital
Laura received her Real Estate License in 1988 and sold residential real estate until 1991. At that time she decided to get into Residential Lending using her Real Estate background to ensure Realtors and their clients she would be working with received excellent service. With more than 20 years’ experience in Loan Origination, Laura combines her education, experience, and expertise to help her clients understand the loan process and put their minds at ease as they consider the complex financial transaction of a home mortgage. She understands the importance of every client and prides herself on educating her clients about all of their options to assist them in making an informed and educated decision. Laura’s knowledge and experience in every level of the Mortgage Industry is what makes her unique and sets her apart from her competition. Laura owned and operated her own company, Five Star Financial, for 12 years while originating loans, and has had several years’ experience as both a Retail Loan Officer and now as a Banker with a Direct Lender. Her primary goal is to exceed her clients’ expectations.
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
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What they're saying about GEM...
- Everyone was very communicative and always available to answer questions. The process went very smoothly!Nancy S
- Everyone was always friendly when I called. We closed 10 days early which was a huge relief.Lisa F
- One of the easiest refinance! Very Happy!Barbara C