VA Loans in Bakersfield, CA
You served our country — now let us serve you. VA loans offer $0 down, no PMI, and some of the best rates available. Dream House Lending helps Bakersfield veterans and military families use every benefit they've earned.
VA Loan Benefits
$0 down payment for eligible veterans and active-duty service members
No private mortgage insurance (PMI) required
Competitive interest rates, often lower than conventional loans
Flexible credit and debt-to-income guidelines
VA funding fee can be financed into the loan
Can be used multiple times throughout your lifetime
Who Is Eligible?
VA loans are available to qualifying service members, veterans, and surviving spouses:
Active-duty service members with 90+ days of continuous service
Veterans who served the minimum required active duty
National Guard and Reserve members with 6+ years of service
Surviving spouses of veterans who died in service or from service-related disabilities
VA Loan FAQs for Bakersfield Veterans
Do I need a down payment for a VA loan in Bakersfield?
No — eligible veterans and active-duty service members can purchase a home with zero down payment. This is one of the biggest advantages of the VA loan program and can save you tens of thousands at closing.
Is there a VA loan limit in Kern County?
Veterans with full VA entitlement no longer have a loan limit (since 2020). This means if you qualify, you can borrow as much as a lender is willing to lend with no down payment. Contact us to confirm your entitlement status.
Can I use a VA loan more than once?
Yes. VA loans can be used multiple times throughout your lifetime. You can even have more than one VA loan at once under certain circumstances, such as relocating for military duty.
What is the VA funding fee?
The VA funding fee is a one-time fee paid to the VA to help sustain the loan program. The amount varies based on your down payment and whether it's your first or subsequent use. Some veterans with service-connected disabilities are exempt.
Let's Talk About Your VA Benefits
Call us at (661) 454-7700 or schedule a free call to review your eligibility and get started.