Bakersfield, CA
Buy your first Bakersfield home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Bakersfield budgets. We walk you through every step.
How Bakersfield buyers get to the closing table.
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.
That market shapes the loan. In Kern County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Bakersfield purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Bakersfield from the ground up — close to the Kern County landmarks and Buck Owens’ Crystal Palace. We finance homes across Downtown Bakersfield, Oleander-Sunset, Stockdale Estates, and Seven Oaks — and every other corner of Bakersfield. Looking for a mortgage broker near you in Bakersfield? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Bakersfield market knowledge
Near the Kern County landmarks and Buck Owens' Crystal Palace, across Downtown Bakersfield, Oleander-Sunset, Stockdale Estates — we know Bakersfield's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Bakersfield buyers often start with FHA, first-time-buyer, down-payment-assistance — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Bakersfield file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Bakersfield loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Bakersfield, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Bakersfield financing that fits the home and the borrower.
For Bakersfield we lean on FHA, first-time-buyer, down-payment-assistance — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Bakersfield, we also help buyers in Delano, Porterville, Tulare. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Bakersfield mortgage questions, answered.
What's the 2026 conforming loan limit in Bakersfield?
In Kern County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Bakersfield?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Bakersfield. We match you to the ones you qualify for.
Which Bakersfield neighborhoods do you serve?
We serve buyers across Bakersfield, including Downtown Bakersfield, Oleander-Sunset, Stockdale Estates. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Bakersfield?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Bakersfield and the surrounding area.
Do you serve areas near Bakersfield?
Yes — we also work with buyers in nearby Delano, Porterville, Tulare. Same process, local loan-limit details for each.
Let's finance your Bakersfield home.
Straight answers on your Bakersfield options, and a broker who shops the whole market so you don't have to.