My Mortgage Company · Bakersfield, CA
Get Pre-Approved.
Make a Stronger Offer.
In Bakersfield's competitive market, pre-approved buyers win. My Mortgage Company can have your letter ready in as little as one business day — so when the right home hits, you're ready to move.
Apply Online Now →Why It Matters
Why Get Pre-Approved First?
Most buyers think pre-approval is just paperwork. It's actually your biggest competitive advantage in a fast-moving market.
Know Your Real Budget
Online calculators give rough estimates. Pre-approval tells you exactly what you qualify for — purchase price, monthly payment, and cash needed to close. No surprises at the finish line.
Make Stronger Offers
Sellers in Bakersfield routinely receive multiple offers. A pre-approval letter signals you are serious, financially qualified, and ready to close — not just browsing.
Close Faster
When financing is already underway, escrow moves quickly. Pre-approved buyers routinely close 7–10 days faster than buyers who start the loan process after going under contract.
Start Your Pre-Approval
A My Mortgage Company loan officer will follow up within one business day.
Loan Programs
Find the Right Loan for You
My Mortgage Company offers government-backed and conventional loan programs for primary residence purchases in Bakersfield and Kern County.
FHA
First-Time Buyers3.5% down
580+ credit score
Most popular for first-time buyers. Mortgage insurance required for the life of the loan.
Conventional
Strong Credit3% down
620+ credit score
PMI drops off at 80% LTV. Better rates for strong credit profiles.
VA
Veterans & Military0% down
No minimum (lender typically 580+)
Exclusively for veterans, active military, and surviving spouses. No monthly mortgage insurance.
USDA
Rural Areas0% down
640+ recommended
For eligible rural and suburban areas. Rosamond and parts of Kern County may qualify.
Ready to apply? Complete your full application online through our secure portal.
Apply Online Now →Secure application · Takes about 10 minutes · No hard pull until you authorize it
Your Path from Pre-Approval to Keys
Pre-Approval
Submit docs → get your letter in 1 business day
Home Search
Shop with confidence knowing your exact budget
Make an Offer
Your letter gives sellers confidence you can close
Under Contract
Appraisal, inspection, and final loan approval
Close & Move In
Sign at escrow and get your keys — done
Frequently Asked Questions
How long does mortgage pre-approval take?
My Mortgage Company can issue a pre-approval letter in as little as one business day. You will need to provide recent pay stubs, bank statements, W-2s (or tax returns if self-employed), and authorize a soft credit pull.
Does getting pre-approved hurt my credit score?
Most lenders start with a soft pull, which has no impact on your credit score. A hard inquiry happens when you formally apply for a loan — typically after you're under contract on a home. Shopping multiple lenders within a 45-day window counts as a single inquiry under FICO scoring rules.
What credit score do I need to get pre-approved?
FHA loans accept scores as low as 580 (3.5% down) or 500 (10% down). Conventional loans typically require 620+. VA loans have no set minimum score but most lenders want 580–620. A higher score will unlock better interest rates and lower mortgage insurance costs.
How much do I need saved before applying?
Beyond your down payment (3–3.5% for FHA/conventional, 0% for VA/USDA), budget for closing costs (2–4% of the purchase price) and 2–3 months of mortgage payments in reserves. On a $400,000 Bakersfield home, that means roughly $25,000–$35,000 total depending on your loan type.
Can I get pre-approved if I am self-employed?
Yes. My Mortgage Company offers Bank Statement loan programs designed for self-employed borrowers. Instead of W-2s, we use 12 or 24 months of bank statements to calculate qualifying income. No tax returns required.
My Mortgage Company · CA DRE #02168831 · NMLS #2269164 · Licensed by the California Department of Real Estate (DRE). Loans subject to credit approval. Not all applicants will qualify. Interest rates and program availability are subject to change without notice. This is not a commitment to lend. View all loan programs →