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Toni Bullard
Loan Officer |NMLS # 507161
San Francisco Bay Area | Mortgage
4.83 -
15 Review(s)
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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."
About Toni Bullard
I’m part of an amazing team, Pacific Funding Group. We are a direct lender, eliminating the “middle man” and giving you the advantage of lower interest rates and lower closing costs. I specialize in first time home buyers. It is my passion to be able to put families into homes that thought they could never buy a home. We have many programs for first time home buyers, for example our down payment assistant program, which helps buyers with their down payment and closing cost. After 20+ years in the financial and lending industry. I still get excited seeing both my business and clients prosper. If you believe I can help you or you would like more information, please get in touch or connect. Outside of the office, I recently took up golfing and I’m obsessed. I play 1 to 2 times a week and I also take lessons. I can’t believe I waited so long to give it a try! So, if you are ever up for a round of golf, please connect with me!