Golden State Mortgage Experts

Golden State Mortgage Experts is a full-service mortgage company handling residential and commercial loans. Its site lists purchase loans including FHA, VA, USDA, conventional, down payment assistance, jumbo, and non-QM, along with refinance options such as FHA and VA streamline and cash-out loans, HARP, and commercial refinancing. The firm also points to niche programs like ITIN loans, bank statement loans, foreign national loans, and DSCR loans.

The company serves borrowers in Contra Costa, Alameda, Solano, San Francisco, Napa, Sonoma, Marin, and Santa Clara counties. Patricia N. Harkins is the broker-owner, and clients can reach the office by phone or email to talk through loan options. The office address is 6737 Skyview Drive in Oakland.