About Dream House Lending
A Bakersfield mortgage team built around clear guidance, strong communication, and loan solutions tailored to every client's situation.
Built to Help Bakersfield Families Buy Homes with Confidence
Dream House Lending was created with one purpose — to make the mortgage process clear, honest, and accessible for home buyers in Bakersfield and beyond. Too many buyers feel overwhelmed or uninformed when navigating home financing. We set out to change that.
From first-time buyers to experienced real estate investors, we work with clients at every stage of the homeownership journey. Our team focuses on personalized mortgage solutions, fast communication, and making sure every client fully understands their options before making any decision.
Our Journey
Alfonso Garza obtained his mortgage loan officer license, beginning his career in home financing in Bakersfield, CA.
Dream House Lending was founded by Alfonso Garza with a mission to give Bakersfield families a better home loan experience.
Expanded the team with additional licensed mortgage brokers to serve more buyers across Kern County and surrounding areas.
Serving hundreds of families with a full team of licensed mortgage professionals offering FHA, VA, Conventional, and more.
Alfonso Garza
Founder & Owner — Dream House Lending · NMLS #1708922
Bakersfield, California
Alfonso Garza founded Dream House Lending to help families navigate the home loan process with clear communication and reliable closings. After seeing how confusing and stressful the mortgage process could be for buyers, he set out to create a team that prioritizes honesty, responsiveness, and results.
The company focuses on helping first-time homebuyers, move-up buyers, and real estate investors secure financing — while working closely with local real estate agents to ensure smooth and predictable closings every time.
Check Your Buying Power with AlfonsoExperience & Achievements
- Hundreds of families helped purchase homes in Bakersfield and surrounding areas
- Local Bakersfield mortgage expert with deep knowledge of the regional market
- Experience with FHA, Conventional, VA, Refinance, and Down Payment Assistance programs
- Strong relationships with local real estate agents and professionals
- Bilingual service in English and Spanish
Community & Personal
Alfonso is a proud Bakersfield local who is deeply invested in the community. His work is driven by a genuine passion for helping local families achieve homeownership — one of the most meaningful financial milestones in a person's life.
Family-focused values are at the core of how Dream House Lending operates. Alfonso and his team treat every client the way they would want their own family to be treated — with patience, honesty, and care.
Whether it's sponsoring local events or simply being a trusted resource for buyers in the community, Dream House Lending is committed to giving back to Bakersfield.
Industry & Community Memberships
National Association of Mortgage Brokers
California Association of Mortgage Professionals
Bakersfield Association of Realtors Network
Kern County Real Estate Community
"Alfonso and his team made buying our first home so much easier than we expected. They walked us through every step, answered all our questions, and got us closed on time. Highly recommend Dream House Lending to anyone looking to buy a home in Bakersfield."
Maria R.
November 2024
"We used Dream House Lending for our VA loan and the experience was outstanding. No down payment, smooth process, and great communication throughout. Alfonso really knows his stuff and took the time to explain everything clearly."
James T.
October 2024
"As a self-employed borrower I was nervous about qualifying, but the team at Dream House Lending found a bank statement loan that worked perfectly for my situation. Professional, knowledgeable, and they kept me informed every step of the way."
Sandra M.
September 2024
Business Information
Contact & Location
Dream House Lending
5301 Office Park Dr Suite #200
Bakersfield, CA 93309
Business Hours
NMLS Company # 2269316 · CA License #60DBO-154707
Meet the Dream House Lending Team
Our team brings together experienced mortgage professionals dedicated to helping clients achieve their homeownership goals.
Alfonso Garza
Founder & Mortgage Broker
NMLS #1708922
Helps home buyers, homeowners, and investors find the right loan solution with clear guidance and strong communication.
Daisy Cantu
Mortgage Broker
NMLS #2485932
Helps clients navigate the mortgage process with personalized support and responsive communication.
Emanuel Duran
Mortgage Broker
NMLS #2125158
Helps Spanish-speaking families and home buyers understand their options and move forward with confidence.
Alex Tucker
Mortgage Broker
NMLS #2307537
Supports buyers through the loan process with professionalism, speed, and attention to detail.
Yanelit Trujillo
Mortgage Broker
NMLS #2594185· DRE #2021799
Helps first-time buyers and Spanish-speaking clients feel informed and confident throughout the loan process.
William Rypkema
Mortgage Broker
NMLS #1961138
Guides buyers through the home financing process with clarity, dedication, and a commitment to strong results.
Anthony Perez
Mortgage Broker
NMLS #1960573
Helps English and Spanish-speaking clients navigate the loan process with confidence and personalized attention.
Claudia Melendez
Executive Assistant
Keeps operations running smoothly and ensures every client and team member has the support they need.
What You Can Always Expect From Us
These are the principles that guide every interaction we have with our clients.
Transparency
We explain every step of the loan process clearly so clients always know what to expect.
Communication
Fast, responsive communication is a core part of how we operate — no one gets left waiting.
Personalized Guidance
Every client has a unique situation. We take time to understand yours and find the right solution.
Client Confidence
We guide clients through one of the biggest financial decisions of their lives with care and expertise.
Ready to Start the Process?
Our team is here to guide you every step of the way. Check your buying power today and take the first step toward homeownership.
Check Your Buying Power