Marcos Ortega - Golden 1 Credit Union

Marcos Ortega - Golden 1 Credit Union Marcos Ortega
Loan Officer
NMLS #1396871 I am Bilingual in both Spanish and English and have been in the industry for over 25 years.

I work Monday thru Saturday and am available after hours for those clients that cannot leave work. I specialize in first time home buyers and offer a variety of loan programs that will help meet each clients special needs. Give me a call and let me know how I can help you or your client in their next purchase. 661-912-5429

Before closing day, small money mistakes can turn into big delays. Watch out for things like new credit inquiries, large...
08/18/2026

Before closing day, small money mistakes can turn into big delays. Watch out for things like new credit inquiries, large purchases, changing jobs, or moving money around without documentation. Remember to stay steady, keep things consistent, and reach out if you're unsure about anything that could impact your approval.
Do you have any mortgage questions?? Give me a call Marcos Ortega at 661-912-5429

Homeownership is about more than having a place to live. From building equity over time to putting down roots in a commu...
08/12/2026

Homeownership is about more than having a place to live. From building equity over time to putting down roots in a community you love, buying a home can be one of the most impactful financial decisions you make. If homeownership is one of your goals, now is a great time to start exploring your options. Have questions about the homebuying process? I'm here to help. Reach out any time!
Marcos Ortega at 661-912-5429

Summer is the perfect time to give your home a little extra attention. From keeping your cooling system running efficien...
07/29/2026

Summer is the perfect time to give your home a little extra attention. From keeping your cooling system running efficiently to protecting your home from costly repairs, a few simple maintenance steps can help preserve your investment and keep your home in top shape.
Have any mortgage questions, give me a call. Marcos Ortega at 661-912-5429

Summer has long been one of the busiest seasons for moving, and it's easy to see why. With more homes typically on the m...
07/23/2026

Summer has long been one of the busiest seasons for moving, and it's easy to see why. With more homes typically on the market, buyers and sellers often have more opportunities to find the right fit. Whether it's a job change, a growing family, or simply taking advantage of the season, summer remains a popular time to make a move. Curious what buying could look like for you? Reach out any time. I’m here to help.
Marcos Ortega 661-912-5429

Ready to buy your home or want to know more? Give me a call Marcos Ortega at 661-912-5429
07/15/2026

Ready to buy your home or want to know more? Give me a call Marcos Ortega at 661-912-5429

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on...
07/04/2026

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on your remaining loan balance, reducing that balance faster can lower the total interest paid throughout the life of the loan. Some homeowners make one extra payment each year, while others add a small amount to their monthly payment. The right strategy depends on your goals, cash flow, and other financial priorities, but understanding your options can help you make more informed decisions about managing debt and building wealth

Being self-employed doesn’t prevent you from buying a home, but the mortgage process may require additional preparation....
07/04/2026

Being self-employed doesn’t prevent you from buying a home, but the mortgage process may require additional preparation. Lenders typically review tax returns, business income, bank statements, and overall income consistency to evaluate qualifying income. Because write-offs can sometimes reduce reported income, planning ahead becomes especially important for self-employed buyers.

The good news? There are a variety of loan options designed for different income situations and business structures. I'm happy to walk you through your options and help you understand what lenders will be looking for.
Ready to buy?? Give me a call today- Marcos Ortega at 661-912-5429

For 21% of homebuyers, the biggest reason to purchase a home is simple: they want a place to call their own. Homeownersh...
07/02/2026

For 21% of homebuyers, the biggest reason to purchase a home is simple: they want a place to call their own. Homeownership is about more than four walls and a roof. It's about creating memories, building stability, putting down roots, and having a space that's uniquely yours. If owning a home is part of your dream, I'm here to help you navigate the financing process and turn that goal into reality. Whether you're buying your first home or your next one, let's talk about your options and create a plan that works for you. Call me today- Marcos Ortega at 661-912-5429

Buying your first home is exciting, but saving enough money for a down payment can be daunting. These tips can help you ...
06/25/2026

Buying your first home is exciting, but saving enough money for a down payment can be daunting. These tips can help you more quickly pave the way to homeownership. And if you have any questions about the homebuying or loan process, reach out any time. I’m here to help. Call me Marcos Ortega at 661-912-5429

Good credit is more than just a number. It’s a reflection of your financial reliability and can have a big impact on you...
06/24/2026

Good credit is more than just a number. It’s a reflection of your financial reliability and can have a big impact on your life. Having strong credit opens doors to lower interest rates on loans and credit cards, better insurance premiums, and even easier approval for renting a home. Maintaining good credit also shows lenders that you manage your money responsibly, which can provide peace of mind and greater opportunities for financial growth.
Ready to buy your home, give me a call Marcos Ortega at 661-912-5429

Address

4601 California Avenue Suite 1
Bakersfield, CA
93309

Telephone

+16613716705

Website

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