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Jeff Johnson
Branch Manager
NMLS ID #: 276134
Office: 916-727-1101

Jeff has over 3 decades of experience which started with selling Real Estate then managing the office and later becoming the principal Broker.  Jeff closed the Real Estate office back in 1992 to start a new career in Mortgage Lending.  Jeff specializes in working with First-time Buyers and First-time Homebuyer Programs.  In addition to the First-time Homebuyer Programs, Jeff also works with “move up” Buyers with a lot of them being customers Jeff has helped in the past as a First-time Buyer.  Jeff attributes his success to several things. Among them, his commitment to his clients and having a good team.  Jeff works with clients for months to get their finances in order before even beginning to look for a home. We’re a service, not a product.  Jeff’s moto is simple: “It’s always responsible lending.”      


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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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