FHA VS Conventional loan in Bakersfield, Kern County, California
In 2025, Convetional loan limit in Bakersfield, county of Kern, CA is $726,200 while FHA limit is $472,030 for a single-family home.
Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.
2025 loan limits and downpayment requirments in Bakersfield, county of Kern, CA
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$345,100
0%
FHA
$472,030
3.5%
The comparison table applies to zip codes: 93306, 93307, 93304, 93305, 93301, 93309, 93314, 93311, 93313, 93312, 93302, 93383, 93384, 93385, 93387, 93389, 93390
Conventional and FHA loan options in Bakersfield, CA
Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.
Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Escondido Federal Credit Union provides savings & loan products to help achieve your goals throughout life. When you become a shareholder-member at EFCU, you instantly become eligible for all the benefits the Credit Union has to offer. Unlike banks, our profits are returned to members in the form of lower fees, higher dividends and lower loan rates
600 La Terraza Blvd , 3rd Floor, Escondido, CA, 92025
RiteWayMortgages.com is a Lender/Broker company selling mortgage loans to borrowers. We are licensed under the California Finance Lenders Law.
Our mission is to provide borrowers with the lowest rates possible for mortgage loans. Our objective is to educate the borrower about all the aspects that effect mortgage loans
170 West Mission Avenue, Suite 2, Escondido, CA, 92025
Mario Cisneros, a personal finance expert with Latin Financial Group. Our sole purpose of educating homeowners on how to better create wealth through mortgage planning. Mortgage planning is the process of utilizing and leveraging borrowers’ home mortgages to help them better and more quickly achieve their short- and long-term financial goals.
1835A-S. Centre City Parkway, Suite 182, Escondido, CA, 92025
AIS Enterprise, Inc We offer a variety of loan programs for home buyers with competitive rates and terms. Our expert team of mortgage professionals has extensive experience in a vast variety of mortgage products - ranging from first-time homebuyer programs to financing for the self-employed to financing for those with bad or low credit.
333 South Juniper Street, Suite 105, Escondido, CA, 92025
Home Financing Specialists Providing the lowest rates and closing costs in combination with my award winning customer service has allowed me to develop lasting business and personal relationships over the years Obtaining a home loan is the largest financial investment for a majority of individuals and families.
508 West Mission Avenue, Suite 200, Escondido, CA, 92025
Robison Home Loans mission is to provide clarity, direction and peace to peoples dreams. Our main area of focus is on financing residential property. Our clients rave about the education, communication and pricing they receive when doing a home mortgage with us. As a local owned mortgage company we fund loans in our own name
