Bakersfield, CA
Buy your first Bakersfield home with confidence.
We fit the loan to your Bakersfield plans — first-time-buyer, down-payment-assistance, FHA and more — walking Bakersfield buyers through it, Downtown Bakersfield to closing day.
Is there a mortgage broker serving Bakersfield, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Bakersfield is in our service area. Owner Esther Buede handles each Bakersfield loan herself and compares many lenders for it, so a Bakersfield buyer is not limited to one bank's programs.
The 2026 conforming limit for a one-unit Bakersfield home is $832,750 (Kern County, per FHFA). We start every Bakersfield file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Bakersfield home really takes.
Bakersfield is among the most affordable homeownership markets in California, with an economy rooted in oil, agriculture, and logistics and median prices a fraction of coastal California.
The loan has to fit the Bakersfield picture. For Bakersfield, 2026 conforming tops out at Kern County’s $832,750 baseline on one-unit Bakersfield homes. With Bakersfield homes mostly under $832,750, conventional plus FHA plus down-payment-assistance all work on Bakersfield files. Bakersfield’s price tier is entry-level. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 5, 2026.
Bakersfield holds 363,000-plus residents across pockets like Downtown Bakersfield and Seven Oaks, with Delano and Porterville right next door. From the Kern County landmarks and Buck Owens’ Crystal Palace outward, we treat Bakersfield as home turf. Downtown Bakersfield, Oleander-Sunset, Stockdale Estates, and Seven Oaks — we finance homes in each of them, and everywhere else Bakersfield reaches. Looking for a mortgage broker near you in Bakersfield? We serve Bakersfield by phone and online, so Bakersfield buyers get local-market help without driving anywhere.
What working with us looks like.
Bakersfield market knowledge
From Downtown Bakersfield, Oleander-Sunset, Stockdale Estates to the Kern County landmarks and Buck Owens' Crystal Palace, we track what Bakersfield homes really cost and which loans carry them.
First-time & assistance
First-time-buyer, down-payment-assistance, FHA carry most Bakersfield purchases — and we check every assistance program a Bakersfield file qualifies for.
Lenders shopped for you
Bakersfield loans here go to whichever lender earns them — we shop the Bakersfield file wide.
Owner-handled
Your Bakersfield file is handled by owner Esther Buede herself — in Bakersfield or Delano, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Your Bakersfield loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Bakersfield loan — from Oleander-Sunset across the Bakersfield map. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Built around your Bakersfield home, not a shelf product.
Bakersfield’s pull — think the Kern County landmarks and Buck Owens’ Crystal Palace — keeps first-time-buyer work coming. For Bakersfield we lean on first-time-buyer, down-payment-assistance, FHA — but whatever fits your Bakersfield file, we shop it: conventional, jumbo, VA, non-QM, and an FHA loan. Start when you’re ready: buying, refinancing, or just exploring — apply online or call (949) 522-7310.
For Bakersfield, that usually means FHA, first-time-buyer, down-payment-assistance.
Bakersfield first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Bakersfield borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s; Bakersfield investors have asset-based qualifying too. The full Kern County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
And around Bakersfield: Delano, Porterville, Tulare are all in reach. See all California cities we serve →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Bakersfield. Equal Housing Opportunity.
Bakersfield mortgage questions, answered.
Where does the Bakersfield conforming loan limit sit for 2026?
The 2026 number covering Bakersfield is $832,750 on a single-family home; above it, jumbo guidelines apply to Bakersfield purchases. Per FHFA; confirm with us.
Which programs fit Bakersfield first-time buyers?
FHA, first-time-buyer, down-payment-assistance do the heavy lifting for Bakersfield first-timers. We sort which fit your numbers, plus any assistance your Bakersfield file earns.
Do you cover all of Bakersfield?
All of Bakersfield — including Downtown Bakersfield, Oleander-Sunset, Stockdale Estates, Seven Oaks. The financing follows you across Bakersfield: the loan matches your Bakersfield file, never the ZIP.
Can you handle my Bakersfield purchase remotely?
Bakersfield? Definitely. Choice Home Mortgage is California-licensed (NMLS #2629064) with Bakersfield squarely covered, and your Bakersfield loan runs remotely with the owner handling it.
Do you cover the towns around Bakersfield?
We do. Buyers in Delano, Porterville and Tulare get the same process as Bakersfield buyers: the owner on the file, many lenders compared, and the local county limit checked before anything is quoted.
Let's get you home in Bakersfield.
One call with the owner — local, honest, no pressure. We'll match the program to your Bakersfield purchase and shop lenders for your Bakersfield file.