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
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Gem Mortgage
5.0 · 1277 reviews · Free pre-approval
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Signature Home Lending
4.9 · 342 reviews · Free pre-approval
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NEW/GEN HOME LENDING
4.9 · 139 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.
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.
General information, not financial advice — consult a qualified professional.