Best Mortgage Brokers in Bakersfield

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Last updated: September 27, 2022

Accelerated Lending Group

5100 California Avenue, Bakersfield, CA 93309

Commercial Loans

Accelerated Lending Group is a full-service mortgage company that serves residential and commercial clients in Bakersfield and its surrounding areas. It covers a diverse range of mortgage products and services, including VA loans, conventional loans, FHA, and USDA loans. The company has access to a number of reputable lenders in the market, allowing each client to select the right provider for their needs. Steve Fenton, the firm's president, has been in the mortgage industry since 1991.

Agape Mortgage

5001 California Avenue, Bakersfield, CA 93309

Refinance

Agape Mortgage is a mortgage firm that serves clients in Bakersfield. The company offers various loan options for borrowers, including conventional mortgage loans, HomePath loans, FHA mortgage loans, VA home loans, cash-out refinancing, and debt consolidation. In addition, it also offers fixed-rate mortgage loans, adjustable-rate mortgage loans, and reverse mortgages. It is also familiar with the difference between brokers and loan officers, FICO credit score, and down payments. Clients can avail themselves of the services of branch manager Mike George and loan officer Allyn Medeiros.

Ampak Real Estate & Loans

1430 Truxtun Avenue, Bakersfield, CA 93301

Refinance

Ampak Real Estate and Loans is a Bakersfield-based company that has been offering home mortgages and refinance solutions since 1995. It caters to different kinds of borrowers, including those with low-income or credit score issues. Customers can start with the company website's mortgage calculator, where they can check the monthly payments based on the loan amount that they require and the taxes involved. They can expect pre-qualification letters from the company within two hours after providing relevant information on its online platform.

Borda Mortgage Associates

1006 Calloway Drive, Bakersfield, CA 93312

Refinance

Borda Mortgage Associates provides home purchasing and refinancing services to clients in Bakersfield. It offers an FHA loan option that benefits clients who plan to purchase single and multifamily homes. It also helps low-income families buy residential properties in rural and suburban areas by offering USDA loan programs. In addition, it handles VA loans for veterans and jumbo loans for individuals needing higher loans. The team at Borda Mortgage Associates also assists with the pre-qualifications, property appraisal, asset evaluation, and documentation process.

Clarity Home Loans

5060 California Avenue, Bakersfield, CA 93309

Refinance

Clarity Home Loans is a Bakersfield-based mortgage broker that helps first-time homebuyers, move-up buyers, and refinancing homeowners with customized loan packages suited for their needs. The company offers home purchase loans, refinance loans, home equity loans, and cash-out home loans. Jumbo home loans, FHA and VA loans, forward mortgages, and reverse mortgages are also available. The firm's branch manager for Bakersfield is Chasity Young, a real estate agent and mortgage loan originator who has nearly 10 years of experience in handling specialty loans.

Cornerstone Mortgage - California Ave

4560 California Avenue, Bakersfield, CA 93309

Refinance

Located in Bakersfield, Cornerstone Mortgage boasts more than 25 years of experience in the lending and mortgage industry. This locally owned and locally operated company specializes in FHA and VA loans, conventional and jumbo loans, mortgage refinancing of investment properties and primary residences, and purchase loans. The company is equipped to serve first-time homebuyers, next-home buyers, vacation home buyers, investment and rental property buyers, those looking to refinance an existing property, and those looking to consolidate debt.

Damaris Castillo

3977 Coffee Road, Bakersfield, CA 93308

New Construction
Refinance
Reverse Mortgages

Damaris Castillo is a loan officer at Summit Financial Services with five years of experience in the field. FHA, conventional, sub-prime, construction, refinances, and VA loans are among the financing options she provides to her clients in Bakersfield and nearby areas. The mortgage professional also assists clients who need funding for rental properties and borrowers who are planning to apply for jumbo and super jumbo loans. Summit Financial team has a total mortgage lending experience of over 200 years.

Dan Ardis

8501 Camino Media, Bakersfield, CA 93311

Refinance

Dan Ardis is a mortgage broker who has been serving Bakersfield since 2003. He offers a quick and hassle-free mortgage process for his clients. He closes conventional, FHA, VA, and USDA loans with fewer requirements and better rates than the big banks. As a broker, Ardis aims to give his clients the most competitive rates, fees, loan options, and programs. Working with San Joaquin Valley Mortgage, he also offers private money loans for when banks cannot provide them.

Exchange Realty Bankers Home Loans

1907 Brundage Lane, Bakersfield, CA 93304

Refinance

Exchange Realty Bankers Home Loans is a Bakersfield-based mortgage company established in 1984. It provides services to home buyers and sellers in the community and surrounding areas. The company helps clients avoid foreclosures by refinancing their loans that may lower down their monthly payments. Its mortgage brokers also assist individuals throughout their pre-qualification process and property listing. They require clients to present detailed current income information and tax returns for the last two years. Exchange Realty Bankers Home Loans also manages commercial real estate properties.

Golden Empire Mortgage, Inc.

Bakersfield, CA 93309

Golden Empire Mortgage, Inc. is one of the most respected mortgage lenders. CEO Howard Kootstra has more than 35 years of lending experience and has learned every aspect of the industry but working in a variety of positions. Golden Empire Mortgage, Inc. specializes in home lending and mortgages, but their priority lies within their clients and establishing lasting relationships. Howard Kootstra and his team of dedicated professionals specialize in adjustable rate mortgages, FHA and VA loans, fixed-rate mortgages, conventional mortgages, and jumbo loans. While offering standard and non-conforming lending options, Golden Empire Mortgage, Inc. continues to develop innovative financing options in an effort to help a broader client base. Prospective home buyers have been given the option to get pre-qualified and apply for loans directly through their website.

Greg Desme

5401 Business Park So Suite122, Bakersfield, CA 93309

New Construction
Refinance

Greg Desme is a mortgage broker providing solutions for clients in Bakersfield and the nearby communities. He runs C2 Financial Corporation, a full-service company that helps individuals purchase and refinance their homes. He and his team offer multiple types of loan programs, particularly conventional, jumbo, and FHA. He also provides a wide selection of refinancing options, such as VA cash-out and streamline plans. Greg and his team have been in operation for more than 30 years.

Level One Financial

1620 Mill Rock Way, Bakersfield, CA 93311

Refinance

Level One Financial is a team of mortgage brokers in Bakersfield with more than 40 years of combined experience in the lending industry. Its trained professionals have the ability to guide clients through the basics of home loan applications as well as buying foreclosure properties. They offer a variety of mortgage options including VA loans, FHA loans, and conventional loans. Level One Financial's home buying process includes planning, getting approval, home shopping, and opening and closing of escrow.

Local Lenders Group

4801 Calloway Drive, Bakersfield, CA 93312

Refinance

Local Lenders Group is a mortgage broker that serves clients in Bakersfield. It specializes in offering mortgage loan options for homebuyers and homeowners, including mortgage refinancing, FHA, VA, conventional, and jumbo loans. The company is also committed to protecting the privacy of clients by preserving the confidentiality of their personal information. Its team of real estate brokers, including Todd Windes, Dana Vague, Tracy Gregg, and Andrea Venegas, have received positive feedback from their clients for their professionalism.

Local Lending

4801 Calloway Drive, Bakersfield, CA 93312

Refinance

Local-Lending offers a wide range of mortgage loan products to clients in Bakersfield. The mortgage broker assists clients in choosing from a wide range of fixed-rate, adjustable ARM, graduated payment, and interest-only mortgage rate options. Among its loan program options are FHA, VA, USDA, and jumbo loans. In addition, it also has mortgage tools and resources to help clients to evaluate various financing options. Local-Lending extends its services to clients in Clovis, Visalia, Merced, Sacramento, and Modesto areas.

Marcus C. Harris, Loan Originator

10800 Stockdale Highway, Bakersfield, CA 93311

Refinance

Marcus C. Harris is a loan originator at HomeTown Lenders who serves clients in Bakersfield. He specializes in offering mortgage loan options for first-time homebuyers, homeowners, veterans, and individuals who are planning to refinance or cash out on equity. Marcus and his team have completed mortgage loan transactions that have helped fulfill the homeownership goals of customers in the metro. He has 15 years of experience as a clinical engineer and has won several awards, including the Service Excellence Award.

New Beginnings Financial & Real Estate

1731 16th Street, Bakersfield, CA 93301

Refinance

New Beginnings Financial & Real Estate searches for the most suitable mortgage loan for their clients from the Bakersfield area. With more than 20 years of experience in the real estate business, the company strives to alleviate its clients' stress by walking them over through the process from pre-qualification and escrow closing before finally purchasing their new home. The company also helps clients find mortgage options for refinance and purchase that fit clients' needs. It offers FHA and conventional mortgage loans.

Prince Financial Corp

1712 19th Street, Bakersfield, CA 93301

Refinance
Reverse Mortgages

Prince Financial Corp. is a Bakersfield mortgage brokerage established in 1994 that offers its services to people seeking assistance with their real estate and finance needs. It provides several loan options, such as small commercial loans, adjustable-rate mortgages (ARMs), hybrid ARMs, FHA loans, jumbo loans, and reverse mortgages. The company's owner, Barbara Prince, has been an active member of the industry for more than 40 years. She also helps people wishing to eliminate bad debt by offering loan consolidation services.

Rose Medlen

11412 Jimrik Avenue, Bakersfield, CA 93312

Multi-Family Loans

Rose Medlen of Choice Lending is a dedicated reverse mortgage professional serving clients in Bakersfield and the surrounding areas. She helps senior citizens get some cash out of their home equity for various uses, including renovations, medical expenses, and supplementary income. Rose has been in the real estate and mortgage lending industry for more than 30 years. She considers herself to be straightforward and aims to simplify complex explanations to her clients. Rose educates her clients about the safest reverse mortgage products available for them.

Sasha Windes

4801 Calloway Drive, Bakersfield, CA 93312

Refinance

Sasha Windes is the vice president and senior mortgage loan officer at Local Lenders Group that has been serving clients in Bakersfield for 20 years. Sasha specializes in offering various mortgage loan options for clients that include FHA loans, VA loans, conventional loans, USDA loans, jumbo loans, and reverse mortgages. She worked as a marketing representative for Commonwealth Land Title in 1993. For 12 years, she helped real estate agents and loan officers in closing their transactions.

The Estrada Team

4900 California Avenue, Bakersfield, CA 93309

Refinance

The Estrada Team is a full-service mortgage lending firm serving clients throughout Bakersfield. It offers a full range of home purchase, equity, and refinance loans, including conventional, FHA, VA, jumbo, fixed-rate mortgages, and reverse mortgages. The professionals at this company keep customers informed and updated about the status of their loans and use their skills and knowledge to find a program that fits their needs. The Estrada Team is a recipient of the Home Possible RISE Award by Freddie Mac from 2020 to 2021.

Valley Mortgage Investments

5100 California Avenue, Bakersfield, CA 93309

Commercial Loans

Valley Mortgage Investments, Inc. is a full-service private lender that operates in Bakersfield and serves homeowners throughout the state. Established in 2009, it works with multiple private investors to fund and service mortgage loans and refinancing plans. The company can examine a client's credit score and recommend suitable loan options for their house. This includes multi-family loans, agricultural loans, interest-only loans, and amortized loans. Furthermore, its officers offer personalized advice for owners of commercial properties like restaurants, warehouses, office spaces, and gas stations.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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