Golden Mortgage Company, Inc.

Who We Are

Golden Mortgage Company, Inc. was established in 1987, and has been creating value for clients throughout California ever since. As a family owned and operated company located in Los Gatos, we specialize in offering the lowest rates and best customer service for your home financing needs. Whether you want a loan to purchase your dream home, lower your current mortgage payment, or pull cash out of your home’s equity for your next big project, Golden Mortgage has the solution for you.

Scott Keesling
Scott KeeslingFounder / Broker
Scott Keesling is the Founder, Managing Broker, and President of Golden Mortgage. He has more than 40 years’ experience in finance, mortgage brokerage, real estate, and entrepreneurial roles. From 2009 to 2011, Scott also served as Chairman of the Audit and Finance Committee for the Santa Cruz County Grand Jury. Prior to starting Golden Mortgage, Scott was Founder and President of Keesling Investment Properties for six years. Scott earned his B.S. in Economics from Santa Clara University. BRE 00785101 / NMLS 333401
Melissa Keesling
Melissa KeeslingLoan Processor
Melissa Keesling is the Loan Processor at Golden Mortgage. She has 15 years’ experience in guiding clients through the loan process, organizing and submitting loan packages, and collaborating with third parties such as title and insurance companies, all to ensure our loans fund efficiently and accurately. Prior to Golden Mortgage, Melissa worked as a Sales Operations Specialist at a start-up web development company in Silicon Valley. Melissa earned her B.A. in English from Santa Clara University.

What We Do

Golden Mortgage creates value for clients by offering home loans with discounted interest rates that we broker from lenders and banks. Our partnered lenders pay us for bringing them business, and our clients save money by receiving lower rates on borrowed money.  Our reputation, knowledge, and industry expertise allow us to find the best loan product for your unique needs.

While interest rates, loan products, and industry regulations can change at any time, our most popular loan is the 30-year fixed rate mortgage. Below are some additional products we offer to our clients:

  • Fixed Rate Mortgages with 10, 15, 20, 25, and 30-year terms

  • Conventional, High Balance, and Jumbo Loans

  • Interest-Only Mortgages

  • Adjustable Rate Mortgages with 5, 7, and 10-year introductory fixed terms

  • FHA Loans for borrowers with lower credit scores and/or smaller down payments

  • Manufactured or Mobile Home Loans

  • Home Equity Lines of Credit

  • Hard Money Loans for borrowers with unique income and credit history


A mortgage broker is a licensed real estate broker that acts as an intermediary between a borrower and a lending institution. Brokers use their wealth of knowledge to find clients and pair them with a lender. A good mortgage brokerage can find exceptional products for prospective borrowers at minimal or no cost.

Banks and wholesale lenders pay us when we bring them new business. The lenders pay us for our services, not our clients, in most cases.

Due to our exceptional relationships with our banks and lenders, Golden Mortgage receives discounted interest rates that we pass along to our clients. We also work with wholesale lenders who offer niche products that your bank may not provide.

In some cases, the loans that we broker are backed by capital from the large banks. Our low overhead business model and exceptional relationships with our partnered lenders allow us to provide an interest rate that can be lower than the banks themselves. Our smaller size allows flexibility in finding quick approvals, exceptions, and solutions.

Our goal is to provide a mortgage loan at no cost to you. While every client is unique, our strategy is to structure a deal so that the lender provides a credit that covers your lender fees, appraisal, and other third party fees such as title and escrow costs.

“I have been working with Golden Mortgage for going on a decade, and have recommended them to all my friends and family. They are professional, extremely knowledgeable and punctual, and trustworthy. The best mortgage company in the Bay Area!”

Alex Kehriotis, Real Estate Professional

“Golden Mortgage took the worry out of the entire home buying process, all while remaining friendly, professional, knowledgeable and always accessible. The team exceeded my expectations at every turn. They’re the go-to for impeccable mortgage service!”

Sara Claveran, HR Professional

“My Husband and I have worked with Golden Mortgage for over twenty years.  I highly recommend Golden Mortgage for your home financing needs. Scott and Chris are able to find quick solutions at low rates with no cost to close. They are always looking for ways to lower your payment and truly make the loan process easier.”

“I have known Scott since 2001. I reached out to Scott for his expertise after a very negative experience with my bank trying to refinance my home mortgage. Scott made the loan process simple, giving me options that I had not considered. I had such a good experience with Scott that I have refinanced my home mortgage and home equity loan two times with him. I consider Scott not as my mortgage broker but as my friend.”

V. Bachanas, Education Professional

“Golden Mortgage helped me finance my first home purchase. Scott, Chris and Melissa were always available for questions. I recommend Golden Mortgage to all my friends and family.”

Patrick Carter, Engineering Professional

“When we looked to buy a new home for our extended family, we knew the purchase process would be complicated due to our rather unique circumstances. But the team at Golden Mortgage helped not only to get us a great rate but also to streamline and make all aspects of the process very easy for us to understand and quickly complete. Golden Mortgage is a family business and it shows. They certainly made us feel like part of their family. If and when the need arises again, we wouldn’t dream of using anyone else. Golden Mortgage got us the perfect loan!”

David and Lynn Sechrest