Address
5060 California Ave, Suite 1090 Bakersfield, California, 93309
Give us a Call
661-322-5626
661-343-8469
Send us a Message
Opening Hours
Mon - Friday: 8AM - 5PM
LOAN PRODUCTS
We offer a wide range of flexible mortgage solutions that suit your needs.
LOAN PRODUCTS
We offer a wide range of flexible mortgage solutions that suit your needs.
Conventional & Government Loans
An FHA loan is a mortgage insured by the Federal Housing Administration, designed to assist first-time homebuyers with lower down payment requirements and more flexible qualification criteria. With an FHA loan, you may be able to put down as little as 3.5% of the purchase price, with a minimum credit score of 580. Eligible for primary purchase, rate/term, and cash-out refinances. See our full FHA payment breakdown and calculator.
Conventional loans offer minimum down payments as low as 3%, with seller concessions available up to 9% and multiple mortgage insurance options.
Available in both fixed and adjustable rate terms, with 15 and 30 year fixed-rate options being the norm. As long as you can meet the down payment requirements, this is a great fit for nearly any home buyer
The 2-1 Buydown Program temporarily lowers your mortgage interest rate for the first two years before it rises to your permanent rate. Your rate is 2% lower in year one and 1% lower in year two, easing you into your full monthly payment while you settle into homeownership. Available with FN30 (Fannie Mae 30-year fixed) and FHA 30-year fixed products.
A VA loan is a guaranteed mortgage supported by the U.S. Department of Veterans Affairs, allowing eligible veterans to obtain financing without a down payment. Eligible veterans are those who served on active duty and have a discharge other than dishonorable, with minimum service requirements of 90 days during wartime or 181 continuous days during peacetime. Learn more about our full Military Hero Home Loan Program.
This chattel loan program finances mobile and manufactured homes in park units, new or used from 1977 and newer, for purchase and refinance in California. Minimum loan amount is $10,000 with a minimum credit score of 600, 5% minimum down payment, and available for primary residences only. A cosign program is also available.
A USDA loan is a zero-down-payment mortgage for buyers in eligible towns and rural areas, guaranteed by the USDA Rural Development Guaranteed Housing Loan Program. No down payment is required, and financing up to 100% of the appraised value is allowed. A 5% seller contribution limit applies toward closing costs. Applicants must meet income eligibility requirements, and the home must be located in a USDA-eligible area.
FHA 203k is a loan that allows borrowers to purchase or refinance a home and finance renovations with only one closing. Renovation costs are included in the loan, with flexibility for major structural work or smaller cosmetic projects. The lender releases renovation funds directly to your contractor from an escrow account. Minimum renovation amount is $5,000, available for 1-4 unit primary residences.
This down payment assistance program provides a forgivable grant of either 2% or 3.5% of the purchase price, eliminating your out-of-pocket down payment. To qualify, you must be a first-time homebuyer, have income at or below 140% of median household limits, or be a current, retired, or volunteer employee. Available for primary residences only, with a minimum 620 credit score.
The CalHFA FHA Program is an FHA-insured loan featuring a CalHFA 30-year fixed interest rate first mortgage. Borrowers must occupy the property as a primary residence and complete homebuyer education counseling through an eligible organization. Available for single-family homes, approved condos, and manufactured housing, with a minimum 640 credit score.
Non-QM Loans
This 5-day HELOC is a standalone product requiring a full draw at closing, with no prepayment penalties. Terms are available in 5, 10, 15, and 30 years for 1-unit properties (single-family, condo, or PUD). Features an online application process, automated valuation, and funding as soon as five business days. See our full HELOC breakdown.
Designed for borrowers looking to expand their real estate investment portfolio, DSCR loans qualify based on rental income from the property, no personal income documentation, W2s, or tax returns required. Loan amounts range from $125,000 to $3 million, with FICO scores as low as 620 and first-time investors allowed. Note: first-time homebuyers are not eligible for DSCR loans, this program is for 2-4 unit and condo investment properties.
A reverse mortgage lets homeowners 62 and older convert home equity into income while retaining ownership, with no monthly mortgage payments required. Borrowers must occupy the property as their principal residence and stay current on property taxes, insurance, and HOA dues. Several payout plans are available, including a lump sum, line of credit, or fixed monthly payments for a set term or for as long as you remain in the home.
What Our Clients Say
Highly recommend to first home time buyers or if you are interested in refinancing! This office does it all. From the easy to use web portal to submit documents to a friendly and knowledgeable staff to consistent communication that provides up-to-date status check ins, we have simply had the absolute best experiences working with Clarity Home Loans. This is now our third time working with Chasity and we have so much respect and trust in what they do; they listen to their clients and are always searching for the best possible outcome for them. Without a doubt, Chasity and her team at Clarity Home Loans are simply the best at what they do!
Jorge Moraga
First Time Homebuyer
One of the best experience we had. As home buying is always a stressful process but Chasity make a breeze for us from beginning till end. Thank you Chasity for all your help and support.
Irfan Ali
First Time Investor
Visit our Location
5060 California Ave Suite 1090 Bakersfield, California 93309
Give us a Call
661-322-5626
661-343-8469
Send us a Message
About Us
A Division of Tyky | Equal Housing Lender NMLS #1048641 Licensed by the Department of Real Estate under the California Residential Mortgage Lending Act.
Our Services
Prequalification
Credit Repair Advice
Purchase
Refinance
Realtor Referral
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Opening Hours
Monday - 08:00-17:00
Tuesday - 08:00-17:00
Wednesday - 08:00-17:00
Thursday - 08:00-17:00
Friday - 08:00-17:00
Saturday - CLOSED
Sunday - CLOSED
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