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Joe Navarro
Sales Manager
NMLS ID #: 372547
Office: 661-370-0563
Mobile: 661-343-1130

Joe started in the mortgage industry in 2002. His mentorship with Kraig Gradowitz, owner of Signature Home Lending, has been quite the journey over the last 14 years. He started as a mortgage loan originator and found instant gratification in helping people achieve their dreams. He achieved many accolades during his time as an originator ranging from Top Producer of the month all the way to Top Producer of the year and Rookie of the year. After that success he found that growing was a goal he wanted to achieve. The more he could grow the more people he could reach. That focus led to a promotion to Team Leader. He led a group of very successful loan originators and they took the market by storm, helping one family at a time. After leading his team to countless successful closings and satisfied customers he then promoted to Sales Manager for Kraig and Signature Home Lending. Since this promotion he has dedicated himself to helping his loan officers achieve the most difficult of tasks this industry has to offer. Achieving the goal of home ownership is one that he takes great pride in. Anything he can do to make peoples dreams come true and grow Signature Home Lending is what motivates him to push through day after day.

Joe and his wife Diana have 3 beautiful children, J.D., Jazzelle, and Jaccob. He enjoys sports and gardening and is a varsity basketball coach at Independence High School located in Bakersfield, CA.

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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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