Dan Ardis, NMLS# 1412272, Senior Mortgage Broker

Dan Ardis, NMLS# 1412272, Senior Mortgage Broker Nationwide Residential AND Commercial Mortgage Broker Based in Bakersfield, CA. When banks can't, I can! Traditional and Hard Money loans available.

Apply Now @ www.homeloansbakersfield.com
Check out my weekly market update videos!
on Youtube/Instagram/TikTok I make the process quick and painless! In the biz since 2003! (661)342-9381

[email protected]

08/21/2026

Everybody is waiting for rates to drop. Three Fed officials just voted to RAISE them.

Rates: 6.65%, down two weeks straight
Housing starts: down 12.4%
Pending sales: down 2.3% in all four regions
35% of builders cut prices this month, averaging 6% off
63% are throwing in incentives

Builders are desperate. That is your leverage. $27,000 off a $450,000 build plus a builder paid rate buydown into the 5s.

New Fed Chair speaks at Jackson Hole next Friday. Fed meets Sept 16. Under contract? Lock it.

Noise is when smart people make moves.

07/04/2026

Celebrating the 250th anniversary of the United States of America! Here's wishing you and your family a happy 4th of July.

05/29/2026

Home prices are still rising and the numbers are worth paying attention to.

Fannie Mae’s latest economist survey projects around 14% cumulative home price growth over the next five years. On a $600,000 home, that is roughly $84,000 in equity built just from appreciation.

At the same time, there are some positive signals on the rate front. Oil is dropping on U.S./Iran ceasefire talks, yields are ticking lower, and Core PCE came in at 0.2% for the month. The Fed is still data-dependent, but the June meeting is going to tell us a lot.

New home sales dipped in April, mostly because affordability is still the big hurdle. But there are more options out there than most people realize.
That is why I put together HomeLoansBakersfield.com. It is a real resource packed with loan education, program options, and tools to help buyers, homeowners, and real estate professionals make smarter decisions.

If you are a realtor who wants a lender that closes fast and communicates even faster, let us connect. If you are a buyer or homeowner wondering what your options look like right now, reach out.
Link in bio. Let’s talk.

05/22/2026

Builders are nervous. The Fed is divided. Buyers are still closing. That’s the housing market right now.

Single-family construction just dropped 9% in April, the sharpest pullback since last summer. But pending home sales climbed for the third straight month, and HELOCs are blowing up because nobody wants to give up their low first mortgage rate.

Kevin Warsh gets sworn in as Fed Chair today. Whatever he says about inflation in the next few weeks is going to move rates.

If you’ve been waiting for the perfect headline before you make a move, you’re going to miss the window.

Residential, commercial, purchase, refi, or HELOC, we’ll show you what your numbers actually look like.

HomeLoansBakersfield.com

realestate firsttimehomebuyer heloc

05/15/2026

April inflation hit a three-year high. We have a new Fed Chair. And mortgage rates? Quietly lower than a year ago.
Here’s what’s actually happening:
→ CPI came in at 3.8% year over year
→ Kevin Warsh confirmed as Fed Chair, first meeting June 16-17
→ 30-year fixed around 6.4 to 6.5%
→ Housing inventory up almost 6% from March
→ Bidding wars continuing to ease

Translation for buyers: you have more room to negotiate than you did 18 months ago.

Translation for agents: the clients you lost to affordability last year might be ready to look again.

Translation for sellers: pricing matters more than ever, but motivated buyers are still out there.

Residential or commercial. 16 days average clear-to-close. Bakersfield based, licensed in CA, AR, WA, and TX.
DM me or visit HomeLoansBakersfield.com

05/08/2026

The government just told you 115,000 jobs were created in April. What they didn’t lead with is that they revised February down by another 64,000. The BLS keeps burning credibility one revision at a time, and the markets are starting to look right past the headline number.
Here’s what’s actually moving mortgage rates this week: Iran. Secretary Rubio said he expects a response today, and rates are leaning optimistic on a resolution. That can change fast.
Meanwhile, housing keeps doing its thing. New home sales beat in February and March, and Cotality now projects 5.1% price growth over the next year. On a $500,000 home, that’s about $25,000 in equity in twelve months. No renovations, no flipping, no stress. Just ownership.
If you’re a Realtor with buyers waiting on a sign, or a buyer trying to make sense of the noise, let’s talk. New site is live at HomeLoansBakersfield.com, built especially for commercial deal analysis.

04/24/2026

Mortgage rates just hit a 3-year spring low and honestly nobody’s really talking about it.
Here’s what went down this week:
Pending home sales were up 1.5% in March. Buyers are coming back. Rates are down to around 6.23% on a 30-year… that’s the best spring number we’ve had since 2023. Retail sales beat expectations but it was mostly gas prices, so don’t get too excited. Jobs are still solid, just taking a little longer to land that next role.
Locally, Bakersfield is tight. 1.27 months of supply. Homes selling at 99.86% of asking. Sellers, you’ve got the leverage. Buyers, the window is open but it won’t be forever.
Residential, commercial, refi… happy to help.
HomeLoansBakersfield.com

04/18/2026

Oil dropped, stocks hit new highs, and the 10-year Treasury fell to its lowest point in a month. That last one matters most if you’re watching mortgage rates.
Quick breakdown of what happened this week and what it means for buyers, sellers, and Realtors:
Builder confidence dropped again in April, which means new construction stays limited. Existing home sales were down 3.6% in March, but inventory is finally starting to loosen up — slowly. And the typical homeowner is sitting on about $128,000 in equity gained over the last six years. That number alone is worth showing your clients who are waiting on the sidelines.
If you’ve got a deal you’re working through or a buyer who needs the math on what today’s rate actually looks like, send them my way.
Dan Ardis Mortgage Team — residential and commercial.
realtorlife danardismortgage

JUST FUNDED 🎉$1.3M | SBA 504 Loan | Phoenix, AZOur team helped a custom cabinet manufacturer and installer acquire the c...
04/04/2026

JUST FUNDED 🎉

$1.3M | SBA 504 Loan | Phoenix, AZ

Our team helped a custom cabinet manufacturer and installer acquire the commercial real estate they need to execute on a big vision… becoming the #1 cabinetry company in the Phoenix metro, then expanding across the Sunbelt.

This is what I love about commercial lending. It’s not just a transaction.. it’s fuel for someone’s dream. The SBA 504 program let them get into their building with just 10% down and a long-term fixed rate, keeping capital in the business where it belongs.

If you’re a business owner thinking about buying your building, expanding your operation, or acquiring a new business.. let’s talk. I work with 3,000+ lenders nationwide to find the right structure for your situation.

04/04/2026

The economy added 178,000 jobs in March… nearly 3x what was expected. But the full picture? A little more complicated.
Layoffs are ticking up. People are taking longer to find work. And the big pay bumps for switching jobs? Those are fading.
But here’s the thing, home values are still climbing. Six straight months of gains, with about 3.3% annual appreciation. On a $500K home, that’s roughly $15,000 in equity in just one year.
The job market is shifting. Your home is still building wealth.
Want to know what your home is worth right now? Link in bio.
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Address

Bakersfield, CA
93311

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16613429381

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