Expertise.com

2024

Last updated:

Best Mortgage Brokers in Bakersfield

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bakersfield Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

94Reviewed

63Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Bakersfield, CA 93311
  • Refinance

Why choose this provider?

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 HELOC (Home Equity Lines of Credit) loans with fewer requirements and better rates than the big banks. As a broker, Dan aims to give his clients the most competitive rates, fees, loan options, and programs. Working with Barrett Financial Group, he also offers private money loans for complex loan scenarios that need unique financing options.

License Verified:

License: 1412272

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (31)
Facebook
5.0 / 5 (28)
Yelp
5.0 / 5 (6)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11412 Jimrik Avenue, Bakersfield, CA 93312
  • Multi-Family Loans

Why choose this provider?

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.

License Verified:

License: 1679201

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1006 Calloway Drive, Bakersfield, CA 93312
  • Refinance

Why choose this provider?

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.

License Verified:

License: 257773

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5401 Business Park So Suite122, Bakersfield, CA 93309
  • New Construction
  • Refinance

Why choose this provider?

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.

License Verified:

License: 335913

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Website
5100 California Avenue, Bakersfield, CA 93309
  • Commercial Loans

Why choose this provider?

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.

License Verified:

License: 1563471

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1712 19th Street, Bakersfield, CA 93301
  • Refinance
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 310156

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Website
10800 Stockdale Highway, Bakersfield, CA 93311
  • Refinance

Why choose this provider?

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.

License Verified:

License: 1884136

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3977 Coffee Road, Bakersfield, CA 93308
  • New Construction
  • Refinance
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1506619

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4560 California Avenue, Bakersfield, CA 93309
  • Refinance

Why choose this provider?

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.

License Verified:

License: 259310

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (24)
Yelp
4.5 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4801 Calloway Drive, Bakersfield, CA 93312
  • Refinance

Why choose this provider?

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.

License Verified:

License: 1048641

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (13)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4801 Calloway Drive, Bakersfield, CA 93312
  • Refinance

Why choose this provider?

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.

License Verified:

License: 331035

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (43)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1731 16th Street, Bakersfield, CA 93301
  • Refinance

Why choose this provider?

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.

License Verified:

License: 237418

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5100 California Avenue, Bakersfield, CA 93309
  • Commercial Loans

Why choose this provider?

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.

License Verified:

License: 291282

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (22)
Facebook
4.4 / 5 (6)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4900 California Avenue, Bakersfield, CA 93309
  • Refinance

Why choose this provider?

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.

License Verified:

License: 2150642

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.3
Facebook
3.0 / 5 (137)
Google
4.0 / 5 (28)
Yelp
4.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4801 Calloway Drive, Bakersfield, CA 93312
  • Refinance

Why choose this provider?

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.

License Verified:

License: 01278495

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (22)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5001 California Avenue, Bakersfield, CA 93309
  • Refinance

Why choose this provider?

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.

License Verified:

License: 1788

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (40)
Facebook
4.8 / 5 (40)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1620 Mill Rock Way, Bakersfield, CA 93311
  • Refinance

Why choose this provider?

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.

License Verified:

License: 1822072

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (50)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.