Unlock Your Future
Home Faster.
Your local mortgage bank and lending expert.
We provide mortgage lending services and a free, no‑obligation consultation
My TRACK RECORD
Numbers That Prove It
$315M+
FUNDED LOCALLY
1.5K+
FAMILIES SERVED
21 DAYS
AVERAGE TO CLOSE
Why Choose Us
The Dual Advantage
By combining mortgage brokering and in‑house underwriting, we deliver lower rates and faster, more reliable closings.
LOWER RATES
Leverage our wholesale lending network with our in house lending to secure below-market rates others can't access.
FASTER CLOSINGS
Streamlined in-house underwriting means you get your keys in record time.
ONE POINT OF CONTACT
No bouncing between multiple contacts — one dedicated point of contact for your mortgage process.
EXPERT NEGOTIATION
Our combined brokerage and underwriting services help negotiate better terms for borrowers.
THE TIMELINE
From Confusion To Closing
01
Strategy Session
Map your exact goals. We analyze your timeline and financial targets to build a clear, actionable path to your property.
02
Market Attack
Find your property with a verified pre approval . No wasted time, no missed opportunities.
03
The Victory
Keys in hand, faster. We handle the heavy lifting so you cross the finish line with complete confidence.
REAL COMMUNITY WINS
Local Victories
We thought we'd lose in this market, but Gerald helped us secure a lower rate and win the bidding war on our first try! His level of customer service and commitment to his clients is a game changer.
Working with Gerald Hayes, I wasn't just getting a mortgage; I had a tactical team. We closed in 21 days with absolutely zero stress. Highly recommended!
Unbelievable communication. Gerald helped reduce our closing costs and beat every other lender's rate we looked at. The community focus really shows.
As someone who buys often, having a local lender who deeply understands the neighborhood while securing top-tier financing is a cheat code. Gerald and his team are my go-to from now on.
5.0
★★★★★
Based on 80+ reviews from local families we've helped win their dream homes.
ZILLOW 5-STAR
★★★★★
GOOGLE TOP RATED
★★★★★
Zero-Risk, High-Value First Step
Ready to Unlock Better Mortgage Options
Skip the guesswork. Take the first step toward homeownership with a free mortgage consultation. We'll review your options, answer your questions, and create a personalized plan—all with no pressure and no obligation.
1641 Lincoln St. Kingsburg,Ca. 93631
Phone: (559)917-9595 | Email: [email protected]
Vero Mortgage is a division of Golden Empire Mortgage. NMLS# 2427. Vero Mortgage is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act – NMLS 2427. Applicants are subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors..