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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 Financial Protection and Innovation under the California Residential Mortgage Lending Act. under license no. 413-0360.