Bakersfield DPA home Mortgages

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Bakersfield Down Payment Assistance Home Loans

As a direct Bakersfield Mortgage Lender, Capital Home Mortgage Bakersfield is a Bakersfield Down Payment Assistance Program Lender offering Bakersfield Down Payment Assistance Programs.  As a Bakersfield Mortgage Company we manage the entire lending process from start to finish. With in-house processing and underwriting, we provide quick, common-sense approvals and timely closings.

Give us a call today at (888) 620-7744 to speak with one of our knowledgeable Bakersfield Loan Officers and get started on your path to homeownership!

Bakersfield Mortgage Assistance Programs

Bakersfield offers several down payment assistance programs for first-time and low- to moderate-income homebuyers to help make homeownership more accessible:

  • Hope to Home – Bakersfield Program: This program, in partnership with the City of Bakersfield, provides up to $40,000 in deferred loans for low-income households earning up to 80% of the Area Median Income (AMI). The funds can be combined with other assistance programs to maximize affordability.

  • CalHFA MyHome and CalPLUS with Zip Programs: These are state-administered programs providing 3% to 3.5% of the purchase price or appraised value in down payment assistance for first-time buyers. CalPLUS also offers additional support for closing costs.

  • Affordable Housing Initiatives: Bakersfield’s official affordable housing strategies include HOME-ARP allocations aimed at supporting low-income families through housing initiatives.

For detailed eligibility requirements and applications, you can contact the City of Bakersfield’s housing department or partner organizations like the VCCDC. These programs often require homebuyer education courses and have income or purchase price limits.

California Mortgage Team

Dale-Gremillion

Dale Gremillion

Sr Loan Officer
NMLS #210325
Conor-Hayhurst

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859
Why Bakersfield is Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Fees

Exceptional Service

7  Day a Week Support Application to Funding

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California Mortgage Programs

California Purchase Home Loans

Looking to Purchase in California?

  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

California Renovation Home Loans

Looking to Renovate a California Home?

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

California FHA Home Loans

Great First Time California Homebuyers

  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

California VA Home Loans

100% Financing for California Veterans

  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

California Conventional Home Loans

Flexibility for California Homebuyers

  • Primary, 2nd Home, Investment
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Terms
  • Renovation Programs Available

California Jumbo Home Loans

California Non-Conforming Mortgages

  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

California USDA Home Loans

California Rural Home Mortgages

  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

California Native American Loans

California Hud 184 Home Mortgage

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

California Manufactured Home Loans

Great California Affordable Housing

  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

California Reverse Home Loans

Your California Home at Work for You

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

California Non QM Home Loans

Making California Mortgages Possible

  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

California Construction Home Loans

Build Your California Dream Home

  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

California Refinance Home Loans

California Rate & Term Refinance

  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

California Cashout Home Loans

California Equity Cash Out Mortgage

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

California Cities

Los Angeles Home Loans

San diego Home Loans

Sacramento Home Loans

San jose Home Loans

San francisco Home Loans

Oakland Home Loans

Bakersfield Home Loans

Long Beach Home Loans

Fresno Home Loans

Santa Ana Home Loans

San Francisco Down Payment Assistance

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