Specialty:
"Gem Mortgage has been helping individuals and families achieve their homeownership goals for nearly 30 years. They pride themselves on integrity, knowledge, and state-of-the-art technology, all in an effort to provide their customers with excellent customer service and exceptionally attractive interest rates. Howard Kootstra is the CEO of Gem Mortgage. With over 35 years in lending, Howard has worked in a variety of positions that gave him the opportunity to learn every aspect of the mortgage industry, including retail branch operations, underwriting, business development, human resources, corporate administration, secondary marketing, and the bundling of loans. Gem Mortgage is always working to develop new and innovative financing options to help customers achieve the dream of homeownership.
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2026 Update: Joe Ewens is the president of Gem Mortgage. The team is dedicated to understanding each client’s financial goals and providing guidance to help support their achievement."




