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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. Bakersfield
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Bakersfield, CA

How much house can you afford in Bakersfield? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Bakersfield

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Gem Mortgage

Gem Mortgage is known for its personalized approach and expertise in navigating complex home loan processes. The team helps clients secure mortgages efficiently, often guiding them through challenging situations with care and professionalism. Customers appreciate their responsiveness, though experiences may vary depending on the agent assigned.

View Profile
(661) 328-1600
Closed Now
1200 Discovery Dr Ste 300, Bakersfield, CA 93309
2

Signature Home Lending

Signature Home Lending focuses on making the mortgage process smooth and stress-free, with a team that takes time to clearly explain each step. They offer personalized mortgage brokerage services and are appreciated for their approachable, helpful communication throughout the loan experience.

View Profile
(661) 664-2780
Closed Now
4200 Truxtun Ave, Bakersfield, CA 93309
3

NEW/GEN HOME LENDING

With over 20 years of experience, New Gen Home Lending specializes in personalized mortgage solutions for home purchases, refinancing, and cash-out options. Their team guides clients through various loan types, including FHA, VA, and jumbo loans, with clear communication and patient support. Some customers note the team’s high availability, even outside typical hours.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
View Profile
(661) 203-8792
Closed Now
3434 Truxtun Ave #155, Bakersfield, CA 93301
General Services
Home Loan Services
4

The Mortgage House

The Mortgage House is known for its responsive and patient approach to guiding clients through home buying and refinancing, often without needing a realtor. The team helps clarify every step of the lending process and stays available to answer questions, making what can be a stressful experience feel manageable and efficient. Some customers note occasional complexities but appreciate the… more...

The Mortgage House is known for its responsive and patient approach to guiding clients through home buying and refinancing, often without needing a realtor. The team helps clarify every step of the lending process and stays available to answer questions, making what can be a stressful experience feel manageable and efficient. Some customers note occasional complexities but appreciate the consistent communication and support throughout.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(661) 328-9300
Closed Now
8500 Stockdale Hwy #150, Bakersfield, CA 93311
General Services
Mortgage Services
5

Buena Vista Mortgage, Veronica Y. Morales, Loan Officer

With over 20 years of experience and recognition in the mortgage industry, Buena Vista Mortgage offers personalized guidance through home loan applications and investment property financing. The team is known for clear communication and patient support, helping clients feel confident throughout the process, even when timelines extend beyond expectations.

Services & Prices
Pre-Approval Services Quoted per loan
Buyer Representation $1000 - $3000
Market Analysis $200 - $400
Property Showing $150 - $300
View Profile
(661) 333-6996
Open 00:00 - 23:59
9100 Ming Ave Ste 107, Bakersfield, CA 93311
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Agape Mortgage

Agape Mortgage focuses on guiding first-time homebuyers through the mortgage process with clear communication and patient support. The team offers personalized mortgage advice and helps clients explore their best financing options. Customers appreciate the approachable, family-like atmosphere, though availability can vary during busy periods.

View Profile
(661) 496-9311
Closed Now
5001 California Ave Suite 200, Bakersfield, CA 93309
7

Dream House Lending

Dream House Lending specializes in mortgage solutions tailored for first-time buyers, self-employed individuals, and veterans, offering a range of loan programs including FHA, VA, and conventional options. Clients appreciate the team’s clear communication and responsiveness, which help ease the loan process from pre-approval to closing. Some find scheduling flexibility important, and the team… more...

Dream House Lending specializes in mortgage solutions tailored for first-time buyers, self-employed individuals, and veterans, offering a range of loan programs including FHA, VA, and conventional options. Clients appreciate the team’s clear communication and responsiveness, which help ease the loan process from pre-approval to closing. Some find scheduling flexibility important, and the team strives to accommodate busy clients.

View Profile
(310) 415-1359
Closed Now
5301 Office Park Dr #200, Bakersfield, CA 93309
8

Accelerated Lending Group

Known for offering a wide range of mortgage options—including FHA, VA, ITIN, and Private Money loans—Accelerated Lending Group focuses on clear, transparent steps to help clients through home purchases and refinancing. Their team provides personalized guidance and fast responses, though some outside factors can affect the overall smoothness of the process.

Services & Prices
Mortgage Services Quoted per loan
Rate Comparison Services Quoted per loan
View Profile
(661) 489-5363
Closed Now
5330 Office Centre Ct Ste. 58, Bakersfield, CA 93309
General Services
Lending Services
9

Creative Realty Mortgage Inc

Creative Realty Mortgage Inc is known for clear communication and keeping clients informed throughout the refinancing or home-buying process. The team offers mortgage brokerage services with a focus on making complex steps easier to understand, often providing detailed explanations and timely updates. Customers appreciate their responsiveness, though some note the process can still feel… more...

Creative Realty Mortgage Inc is known for clear communication and keeping clients informed throughout the refinancing or home-buying process. The team offers mortgage brokerage services with a focus on making complex steps easier to understand, often providing detailed explanations and timely updates. Customers appreciate their responsiveness, though some note the process can still feel overwhelming at times.

Services & Prices
Refinancing Assistance Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(661) 327-7041
Closed Now
4939 Calloway Dr Ste 101, Bakersfield, CA 93312
General Services
Mortgage Services
10

Jeffrey Aguilera NMLS 843663

Gold Standard Mortgage specializes in offering a wide range of loan products, including FHA, VA, construction, and down payment assistance programs, tailored to diverse client needs. The team uses technology to simplify the application process and provides clear guidance, which clients appreciate, especially when navigating complex paperwork.

View Profile
(661) 578-9259
Closed Now
1100 Mohawk St #170, Bakersfield, CA 93309

Bakersfield Mortgage Statistics

Home-purchase lending in Kern County and home costs in Bakersfield, CA (latest HMDA and Census data)

Lenders made 8,417 home-purchase loans in Kern County in 2025 (average about $344,000) and denied 1,141 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Bakersfield, the median home is worth $371,700 and 72% of owners have a mortgage, paying a median $2,107 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
8,417▲ 1%8,298 in 2024
Denial rate
12%CA 12%
Median home value
$371,700CA $734,700
Monthly cost with a mortgage
$2,107median · CA $2,946
Refinance loans made (Kern County, 2025)
3,972 · 3,203 in 2024
Home-improvement loans made (2025)
911
Average home-purchase loan
$344,000 (CA $711,000)
Owners with a mortgage
72% · 34% of them spend 30%+ of income on housing
Median household income
$80,540 (CA $99,122)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Kern County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Bakersfield Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Gem Mortgage 5.0 1277 — (661) 328-1600 Visit
2 Signature Home Lending 4.9 342 — (661) 664-2780 Visit
3 NEW/GEN HOME LENDING 4.9 139 Quoted per loan (661) 203-8792 Visit
4 The Mortgage House 4.9 77 Quoted per loan (661) 328-9300 Visit
5 Buena Vista Mortgage, Veronica Y. Morales, Loan Officer 4.9 68 $150 (661) 333-6996 Visit
6 Agape Mortgage 5.0 62 — (661) 496-9311 Visit
7 Dream House Lending 4.9 62 — (310) 415-1359 Visit
8 Accelerated Lending Group 5.0 33 Quoted per loan (661) 489-5363 Visit
9 Creative Realty Mortgage Inc 5.0 28 Quoted per loan (661) 327-7041 Visit
10 Jeffrey Aguilera NMLS 843663 5.0 10 — (661) 578-9259 Visit

How this Bakersfield mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

California rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.69% of the home's value a year, the California average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

8 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for using your income, debts, down payment, and interest rate. It includes monthly payment, PMI, and property tax.
What is the debt-to-income ratio for mortgages in California?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%. Some loans may allow more with strong credit.
What is the minimum down payment for a mortgage in Bakersfield?
First-time buyers can pay as little as 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. The calculator starts at 7.40%, but rates change weekly.
How do my debts impact the mortgage I qualify for?
Higher monthly debt payments reduce the mortgage amount you can qualify for, as lenders consider total debt payments, including the new mortgage.
What is the property tax rate in California?
The property tax rate is about 0.69% of the home's value per year, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, credit, and down payment. Pre-qualification is an initial estimate without verification.
Do I need private mortgage insurance (PMI) in Bakersfield?
Conventional loans with less than 20% down require PMI, about 0.6% of the loan annually. It can be removed when the loan balance is below 80% of the home's value.

General information, not financial advice — consult a qualified professional.