Loan Options
Not every buyer is the same — and neither is every loan. Explore our programs below to find the one that fits your situation, then let us guide you through the rest.
FHA Loans Bakersfield
As little as 3.5% down with flexible credit guidelines. One of the most popular options for first-time buyers and those rebuilding credit.
VA Loans Bakersfield
Zero down payment for eligible veterans and active-duty service members. No PMI required — one of the best mortgage benefits available.
Conventional Loans Bakersfield
Competitive rates for buyers with solid credit. Available with 3–5% down and flexible term options for primary homes, second homes, and investment properties.
First Time Home Buyer Bakersfield
Dedicated programs to help new buyers navigate down payment assistance, low-down-payment options, and step-by-step guidance from application to close.
Self-Employed / Bank Statement Loans
Qualify using 12–24 months of bank statements instead of tax returns. Built for business owners, freelancers, and 1099 income earners.
Learn More About Home Loans in Bakersfield
Not Sure Which Loan Is Right for You?
Our team will walk you through your options and find the program that fits your situation — no pressure, no commitment.