Privacy Policy Our Loan Consultants are with you every step of the way. Purchase with Minimal Down Our 1st time home buyer programs allow you to finance or even provide a grant towards your down payment allowing you to purchase a home with minimal out of pocket costs. Lower Monthly Payments Our 1st time home buyer programs offer low rates helping you to keep your monthly mortgage payment as low as possible.  Qualifying is Easier Relaxed credit guidelines help to make our 1st time home buyer programs easier to qualify for and making it easier to obtain your dream. Are you eligible? Call us at 800.992.1900 and we can review your qualification over the phone.  You can also complete our on-line application or our simple pre-qualification form.   Apply Now --> Haven West Mortgage is a division of Golden Empire Mortgage and is licensed by the Department of Corporations under the California Residential Mortgage Lending Act, license number DOC-153697.  Haven West Mortgage is an ‘Equal Opportunity Lender’.  NMLS #153697