About Us

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.

Golden Empire Mortgage isn't just about mortgages and home lending - GEM is about people, and building lasting customer relationships.

At GEM we understand that the lending process can be intimidating, that’s why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible.

Our Leadership Team

Howard Kootstra

Over 35 years in lending, Howard worked in a variety of positions which gave him the opportunity to learn every aspect of the mortgage industry, from retail branch operations, underwriting, business development, human resources and corporate administration, as well as secondary marketing and the bundling of loans. He was also a DRE approved instructor.

Rick Roper

For over 32 years, Rick has earned a reputation as a top senior executive in the lending industry. He has worked in special asset management, loan participation sales, secondary marketing and residential and commercial loans, deposit and loan business development, consumer and commercial marketing, strategic planning and public relations.

Rebecca Wegman

Rebecca truly worked her way up and through the mortgage industry over the last 32 years as a processor, loan officer, underwriter, branch operations supervisor, funding manager, as well as, an area, division and regional operations supervisor and assistant vice president. She has a great reputation in the branches for doing everything in her power to get your loans funded in a timely manner.

David Chesney

David has a reputation for looking at a problem and finding a solution. Over his 25 years in finance and accounting, he has created and supervised programs which have transformed company operations and procedures. With over 10 years in community and mortgage banking, David is a key member of the executive team developing strategies to guide us through these tumultuous times.

Joe Ewens

Throughout his 26 years in lending, Joe has developed a track record of success as a branch manager, regional account executive and as a loan center manager. He currently is responsible for loan production for over 60 retail branches, as well as, marketing, training and recruiting loan officers and new branch managers and the development of new markets throughout the western US.

Robert Satnick
EVP Secondary Marketing

Robert Satnick is a seasoned mortgage lending executive contributing 30 years of lending expertise to subordinates and peers alike. He remains actively involved in the industry, sharing his knowledge base with fellow industry members through the instruction of seminars and courses on mortgage banking and capital markets to a variety of audiences, including the Mortgage Bankers Association of America and the Federal Home Loan Mortgage Corporation, (FreddieMac). Mr. Satnick also served as Chairman of the Board of the California Mortgage Bankers Association.

© 2019 Golden Empire Mortgage. All Rights Reserved.
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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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