Beautiful Bakersfield California Central Valley homes with FHA loan services
Bakersfield, Kern County

Bakersfield FHA Loans3.5% Down Payment Available

Serving Bakersfield and Kern County with FHA loans offering low down payments, flexible credit requirements, and competitive rates. Licensed NMLS #2055084.

Apply for FHA LoanCall (949) 478-7641

Get Your FHA Rate

3.5% down available

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NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

Bakersfield Housing Market Insights

$325,000
Median Home Price
$1,250
Average Rent
380,000
Population
58.7%
Homeownership Rate
42 days
Days on Market
+9.3%
YoY Appreciation
NMLS Licensed Loan Officer
VA Loan Specialist
NonQM Certified
CalHFA Approved Lender
Equal Housing Opportunity
NMLS
Licensed
Nationwide Multistate Licensing System
VA
Certified
Veterans Affairs approved lender
CalHFA
Approved
California Housing Finance Agency
Equal
Housing
Equal Housing Opportunity Lender

Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access

FHA Loan Benefits for Bakersfield Buyers

Government-backed FHA loans offer accessible homeownership solutions for Kern County families.

Low Down Payment

Only 3.5% down payment required for qualified buyers

  • 3.5% minimum down payment
  • Gift funds allowed
  • Down payment assistance eligible
  • Seller concessions up to 6%

Flexible Credit Requirements

More lenient credit score requirements than conventional loans

  • Credit scores as low as 580
  • Recent bankruptcy OK
  • Manual underwriting available
  • Credit repair guidance

Competitive Interest Rates

Government-backed loans with attractive rates

  • Competitive market rates
  • Rate locks available
  • No prepayment penalties
  • Streamline refinancing

FHA Streamline Refinancing

Easy refinancing options for existing FHA borrowers

  • Minimal documentation
  • No appraisal required
  • Skip income verification
  • Lower closing costs

Kern County Communities We Serve

Bakersfield
Delano
Ridgecrest
Arvin
Shafter
Wasco
McFarland
Taft
California City
Tehachapi
Maricopa
Lamont
Rosamond
Buttonwillow
Frazier Park
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Get Your Bakersfield FHA Loan Today

Apply for FHA Loan

3.5% down, flexible credit

Required fields are marked with an asterisk (*)

By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

Why Choose Us for Your Bakersfield FHA Loan?

  • FHA Specialist: Expert in FHA programs and flexible credit requirements
  • Kern County Expert: Deep knowledge of Bakersfield area market and values
  • Fast Processing: Streamlined FHA approval process with quick closings