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PrimeLending, A PlainsCapital Company - Bakersfield

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Bakersfield, CA
PrimeLending, A PlainsCapital Company - Bakersfield

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PrimeLending is your mortgage expert and helps you find the best home financing. Contact us now! Call today to connect with your Bakersfield mortgage team.

PrimeLending in Bakersfield, California, helps homebuyers throughout Bakersfield, Delano, Wasco and surrounding Kern County find mortgage solutions that work. We offer FHA, VA, conventional and renovation loans with personalized guidance at every step. Our team knows the Central Valley market and is committed to making the process clear, efficient and local. Whether you're buying your first home or refinancing, we’re here to help you move forward with confidence.

10/28/2026

Relocating? A New Home Could Make the Move Easier.
If you’re moving to a new city or state, new construction may be worth considering.
You can choose a home that fits your needs without worrying about immediate repairs or renovations, and you may have more flexibility when planning your move.
We can help you understand your new construction financing options and prepare for your next chapter.

Planning a move? Let’s talk.

10/27/2026

When Was Your Last Mortgage Checkup?

Your life changes. The market changes. Your mortgage options can change, too.
A quick mortgage checkup can help you understand how much equity you’ve built, whether your current loan still fits your goals and what other options may be available.
Sometimes, simply knowing where you stand can help you plan what’s next.

Ready for a mortgage checkup? Let’s talk.

10/26/2026

Don’t let one number scare you away from exploring your options.

Buying could mean finding the right home for your life, starting to build equity or getting out of a rental that no longer works for you.
Refinancing could still make sense if you want to access equity or change your loan terms*.
A higher rate doesn’t automatically mean making a move is the wrong move.

Let’s run the numbers and see what makes sense for you.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

10/24/2026

Can’t find the right home? Maybe it hasn’t been built yet.

New construction can give you options you may not find in an existing home, including:
~The ability to choose certain finishes and features
~Modern layouts designed for how people live today
~Newer systems, appliances and energy-efficient features
~Fewer immediate repairs or renovations
~A home that feels like yours from day one
And with financing designed specifically for new construction, building may be more achievable than you think.

Thinking about building? Let’s talk about your options.

10/23/2026

Self-employed? Multiple jobs? Freelance income? Rental properties?

Your income may not fit neatly into a traditional box. That doesn’t mean your mortgage options have to.
PrimeLending offers more than 1,000 loan solutions, including options for borrowers with a wide variety of income sources and financial situations.

Before you assume your income will hold you back from buying a home, let’s talk about what may be possible.

*PrimeLending is not affiliated with Venmo.

10/22/2026

Buy Now, Pay Later plans can create additional monthly obligations that may need to be considered when a lender reviews your finances.

Depending on the situation, those payments could factor into things like your debt-to-income ratio and overall borrowing power.
Moral of the story? “Pay in 4” doesn’t automatically mean “no mortgage” — but knowing the full financial picture before you apply is always a smart move.

10/21/2026

Your first home doesn’t have to be your forever home.
A starter home can be just that: a start.

As you pay down your mortgage, you build equity. And if your home increases in value, that equity may grow even more. Over time, it could help you build toward a larger home, a different neighborhood or whatever comes next.
You don’t have to start with your dream home to start building toward it.

Ready to explore your first step? Let’s talk. 📲

10/20/2026

What if the right home just needs a little work?

Expanding your search to fixer-uppers could give you more homes to choose from, help you get into a neighborhood you love and give you the freedom to make the space your own.

Even better? With the right renovation loan, you may be able to finance the home and the improvements together.

Before you cross that fixer-upper off your list, let’s talk about what could be possible.

10/19/2026

Is your home holiday-hosting ready?

If your pre-holiday wish list includes a kitchen refresh, new flooring, updated guest space or finally tackling those projects you’ve been putting off, there may still be time to get started.

A HELOC* can let you tap into your home’s equity to help fund improvements and give you flexibility to borrow what you need.

Want to get your home gathering-ready? Learn more about your home equity options.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

10/17/2026

Working with a limited budget? Don’t count yourself out.

You may not need 20% down to buy a home. Depending on your situation, low-down-payment loans, down payment assistance*, gift funds or seller contributions could help make homeownership possible.

The amount in your savings account is only one part of the picture.
Before you assume you can’t afford to buy, let’s look at your options.

*Certain restrictions apply, subject to down payment assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

08/27/2026

If your current mortgage rate is lower than what’s available now, refinancing may not feel like the right move. A home equity loan* may let you borrow against your equity while keeping your current mortgage and rate in place.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

08/26/2026

Happy National Dog Day from the pets of PrimeLending to yours! Tell us which PrimeLending pup is your favorite in the comments.

08/25/2026

Trying to lower your monthly mortgage payment? Take a look at whether PMI (private mortgage insurance) is still included.

As you pay down your loan or your home’s value increases, you may build enough equity to cancel PMI, depending on the loan product, and lower what you pay each month.

08/24/2026

Finding the right home can feel exciting—until the down payment makes it seem out of reach.

For qualified buyers in rural areas, USDA financing may offer a path forward with 0% down.

08/23/2026

A traditional paycheck isn’t the only way people earn a living. For buyers with multiple income streams, contract work or who are self-employed, the challenge can be accurately showing their financial history.

At PrimeLending, we offer loan options that evaluate your full financial picture to give you a better view of what could work for you.

08/22/2026

The first year in a new home can come with extra expenses.

PrimeLending’s 40th Birthday Buydown may lower your effective interest rate by 1% during the first year on eligible FHA, VA and USDA purchase loans.* This offer ends soon, and we’re paying the buydown cost.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 7/13/26 and 8/21/26. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Availability subject to investor guidelines. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.

08/21/2026

Wondering how to build your savings back up after unexpected expenses pop up?

A cash-out refinance* may let a homeowner replace the current mortgage with a new one and receive part of the home’s equity as cash.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

08/20/2026

Concern about your credit score shouldn’t keep you from learning what you may be able to afford. A soft credit pull is a check on your credit report that does not impact your credit score since it is not for the purpose of approving a credit application. It gives you valuable insight into the type of home loan you can qualify for without having to make an application which would require a hard credit pull (which can affect your credit score as it is used for approving an application for credit).

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

08/19/2026

PITI stands for principal, interest, property taxes and homeowners insurance—the four costs that commonly make up your monthly payment. Looking at all four together can help you build a budget with fewer surprises.

08/18/2026

Did you know homeowners’ net worth is nearly 38 times higher than renters’? Homeownership is about more than having a place of your own. It can also be a long-term way to build financial security.

Source: Investopedia, 2026

Address

5001 California Avenue Suite 108
Bakersfield, CA
93309

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+16612812324

Website

https://lo.primelending.com/bakersfield?utm_source=Yext&utm_medium=Listings&utm_campaign=bakersfield

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