FHA VS Conventional loan programs in 2025 for Bear-Valley-Springs, Kern County, California

For 2025, the conventional loan limit in Bear-Valley-Springs, located in the county of Kern, CA, is $647,200. The FHA limit for a single-family home is set at $420,680.

Leverage the Lendersa® Conventional loan calculator to evaluate the top rates currently available for Conventional, FHA, and USDA loans. Assess income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you see Conforming Conventional, USDA, FHA, and VA loans compared side by side, allowing you to identify the best program in CA for your particular financial needs.

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2025 Loan Limits and Down Payment Requirements in Bear-Valley-Springs, Kern, CA

Type of Loan Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $291,100 0%
FHA $420,680 3.5%

This table is applicable to the following zip codes: 93561

Conventional and FHA Loan Options in Bear-Valley-Springs, CA

The mission of Lendersa® is to match you with the best Conventional, USDA, or FHA loans quickly and without hassle. Start from one of three paths to link directly with matching lenders and loan programs.

Lendersa USDA loan request matching results


  • RC Brown Homes
  • 401 E Hillcrest Blvd, Inglewood, CA, 90301
  • RC Brown Homes we are experts at what we do. First time buyers, refi, VA. Find YOUR dream with RC Brown Homes. and full-service real estate agency RC Brown Homes has helped buyers and sellers tackle everything from the search, to new construction to securing the financing to get it ALL done.
  • We Loan Money Inc
  • 111 North La Brea, Suite 406B, Inglewood, CA, 90301
  • WLM Financial is a Community First Business, which means we lend assistance to the community in any way possible inside and outside of the office. We work closely with a multitude of lenders and other financial institutions to best find the lowest possible rates for our clints.
  • Mansfield Lending
  • 2920 West Manchester Boulevard, Inglewood, CA, 90305
  • "Shelle Kirk is a Mortgage and Real Estate Broker in addition to being the owner of Mansfield Lending - a full service mortgage brokerage based in Inglewood, California. For the past 21 years, Shelle has committed herself to the Real Estate field and has a wealth of knowledge to offer anyone making the first step to owning property."
  • Supreme Mortgage Group
  • 6080 Center Drive, Los Angeles, CA, 90045
  • 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.
  • My Reverse Options
  • 6080 Center Drive, 6th Floor, Los Angeles, CA, 90045
  • My Reverse Options are committed to doing the “right thing” for our customers. We understand that our industry has had a less-than-stellar reputation because of unscrupulous deeds perpetrated by some loan officers and the many myths surrounding the Home Equity Conversion Mortgage (HECM) or Reverse Mortgage.
  • Innovative Lending Group
  • 6080 Center Drive, Suite 620, Los Angeles, CA, 90045
  • Our mission is a simple one: to serve our customers with honesty, integrity and competence. We see our customers as our responsibility and as a rich opportunity to fully utilize our skills and assets to make the customer life easier. Our goal is to provide home loans to our clients while providing them
  • Alston & Associates Mortgage Company
  • 6820 La Tijera Boulevard, Suite 113, Los Angeles, CA, 90045
  • At Alston & Associates Mortgage Company, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Matrix West Mortgage
  • 5999 Center Drive, Suite 100, Los Angeles, CA, 90045
  • Matrix West Mortgage is a full service lender offering various loan products and solutions for our clients throughout California. We have been providing superior service to clients while always work diligently to ensure that each client gets the loan that accomplished their goal and best matches their needs.