Explore the differences! FHA VS Conventional loan programs in Bakersfield, Kern County, California
In the year 2025, the boundary for a Conventional loan in Bakersfield, the county of Kern in CA, is $726,200, whereas for FHA, the limit for a single-family home is $472,030.
Leverage the Lendersa® Conventional loan calculator to evaluate the best rates of today among Conventional, FHA, and USDA options. Determine the income, credit, reserves, and documentation necessary for qualification. Our state-of-the-art mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA, facilitating an informed decision in CA based on your financial needs.
Loan limits and downpayment specifications for 2025 in Bakersfield, placed in the 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 above comparison table is applicable to these zip codes: 93306, 93307, 93304, 93305, 93301, 93309, 93314, 93311, 93313, 93312, 93302, 93383, 93384, 93385, 93387, 93389, 93390
Exploring Conventional and FHA loan offerings in Bakersfield, CA
The mission of Lendersa® is to efficiently connect you with the optimal Conventional, USDA, or FHA loan solutions. Initiate the process by choosing one of the three methods below that align lenders and their programs to your needs.
970 W. 190th Street, Suite 110, Los Angeles, CA, 90502
Archbell Capital, LLC is a boutique commercial real estate bridge lender that originates mortgage loans for its middle market borrowers/partners seeking to acquire or refinance assets across property types. We focus on off-market transactions on a direct basis in partnership with our clients.
I obtained my Real Estate License in 1998 and functioned primarily as a Realtor in various areas of Southern California until 2008 (when the Real Estate market drastically declined). Once that happened, I decided to try my hand as a Mortgage Loan Officer and immediately created a niche in that field.
American Sona Mortgage specializes in no-Cost Loans for all Californians, including Fixed Rate, Adjustable or Home Equity 1st & 2nd Mortgages.We seek to identify & understand your Mortgage goals in order to professionally tailor a plan that best fits your lending need.Whether you need Cash Out, a Low Monthly Payment we are here to help you.
MacLons Capital Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
22632 Golden Springs Dr, Suite 180, Diamond Bar, CA, 91765
We are home loan experts dedicated to making sure your home purchase or refinance experience is easy, honest, and quick. We’re a direct mortgage lender. That means that you will work directly with the person who lends you the money to buy your dream home (or condo!) No ridiculous bank “loan profiles.” Just common sense and fair play.
21680 Gateway Center Drive, Suite 230, Diamond Bar, CA, 91765
NuBridge Commercial Lending is a nationwide direct lender focused on making first-lien, short-term bridge loans to owners of small-balance commercial properties in 48 states and the DC. We can help you fund loans for multifamily, mixed-use, office, retail, light industrial, mobile home parks, self-storage, warehouse, and retail properties.
GRAND INVESTMENT&FINANCIAL was founded with the intent to provide a loan for every borrower and every home. With a wide choice of loan products, you'll find a loan program that suits your financial goals, and our skilled loan specialists can walk you through the steps to funding your dreams. With unparalleled customer service
21671 Gateway Center Drive, Suite 207, Diamond Bar, CA, 91765
Our mission is to ensure that your real estate dreams are fulfilled in a way that is seamless, efficient, and in your best interest. Serving the entire State of California with a focus on Southern California, our team has over a decade of experience helping both buyers and sellers navigate the complexities involved in exploring real estate.
20955 Pathfinder Rd, Suite 100, Diamond Bar, CA, 91765
American Empire Lending helping customers afford the home of their dreams for many years and we love what we do.All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications.
