Residential
Zero Down Conventional in Bakersfield, CA
With 411,986 residents, Bakersfield, CA is a mid-sized city in Kern County, and Custom Mortgage arranges Zero Down Conventional loans there, including Downtown and Seven Oaks. At $371,700, the median home value in Bakersfield runs 10% ahead of the Kern County figure of $338,300 (Census ACS 2020-2024 5-year). Kern County's 2026 conforming limit, $832,750, is 2.2 times that median, so loan size seldom binds.
Bakersfield households out-earn the county: a median $80,540, 15% above the Kern County level. About 61% of occupied homes are owner-occupied (60% countywide). The stock is relatively new: half the homes date from 1990 or later. Renters in Bakersfield pay a median $1,472 a month in gross rent.
Zero Down Conventional Highlights
- Purchase a home with no down payment, preserving your savings for other investments or expenses.
- Enjoy competitive interest rates for predictable monthly payments.
- Potentially avoid private mortgage insurance (PMI) with strategic loan structuring.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Kern County at a glance
- Bakersfield median home value
- $371,700
- Source: Census ACS 5-year, Bakersfield city, California, 2020-2024
- Bakersfield median household income
- $80,540
- Source: Census ACS 5-year, Bakersfield city, California, 2020-2024
- Bakersfield owner-occupied homes
- 61%
- Source: Census ACS 5-year, Bakersfield city, California, 2020-2024
- Bakersfield median year built
- 1990
- Source: Census ACS 5-year, Bakersfield city, California, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $338,300
- Source: Census ACS 5-year, 2024
- Median household income
- $70,210
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 60%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.8
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: KERN
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Zero Down Conventional in Bakersfield, CA
Bakersfield mortgage lending. Affordable home financing for Kern County.Custom Mortgage & Real Estate specializes in providing high-fidelity Zero Down Conventional solutions tailored to the unique economic landscape of Bakersfield and the surrounding Kern County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireBakersfield metropolitan area.
Service Areas & Neighborhoods
Our Bakersfield Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
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Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Zero Down Conventional in Bakersfield
Yes, by $461,050: $371,700 median versus a $832,750 one-unit limit.
At least $11,151 before closing costs (97% maximum LTV on $371,700). Roughly 2 months of Bakersfield's $80,540 median income.
4.6 times the $80,540 median household income, about the same as across Kern County. Debt-to-income limits usually set the loan size.
See all Zero Down Conventional questions and program details
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
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Success stories from families and investors across the nation who achieved their goals with CMRE.
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