California
Bakersfield Mortgage & Refinance Lender
Bakersfield is one of California's most affordable places to own a home, and with the 2026 conforming baseline at $832,750, virtually every purchase here fits within conventional financing. We help first-time and move-up buyers across Kern County get pre-approved and find a comfortable payment.
2026 loan limits · Kern County
$832,750
Conforming (1-unit)
$541,287
FHA (1-unit)
Loan amounts above $832,750 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
Bakersfield · Delano · Shafter · Ridgecrest · Tehachapi
Frequently asked questions
- What is the 2026 conforming loan limit in Kern County?
- The 2026 one-unit conforming loan limit in Kern County (Bakersfield) is $832,750, California's baseline — well above typical local home prices.
- What is the 2026 FHA loan limit in Bakersfield?
- The 2026 FHA loan limit in Kern County is $541,287 for a single-family home, which covers the large majority of Bakersfield homes with as little as 3.5% down.
- Is Bakersfield good for first-time buyers?
- Yes. Kern County's affordability makes it one of the easier California markets to enter, and we work with low-down-payment FHA and conventional loans plus down-payment-assistance options.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.