Your Bakersfield Mortgage Broker — 20+ Years of Getting Families Home
I shop dozens of lenders so you get the lowest rate and best terms — not just what one bank decides to offer. Buy with as little as 0% down, 3%, or 3.5% down.
Licensed in California, Texas & Arkansas. Can lend in up to 49 states.
Loan Programs to Fit Your Needs
Whether you're buying your first home, upgrading, investing, or refinancing — I have the right loan program for you. I shop multiple lenders so you don't have to.
Conventional Loans
Start with as little as 3% down. Best for buyers with solid credit and stable income.
FHA Loans
Government-backed with flexible credit requirements. Perfect for first-time buyers.
VA Loans
Zero down payment for veterans and active duty service members. No PMI ever.
Jumbo Loans
Financing above conforming limits for higher-value properties in California.
HELOC
Tap your home equity for renovations, debt payoff, or anything you need. Fast close.
Commercial Loans
Multi-family, retail, office, and investment property financing for Kern County investors.
Refinance
Lower your rate, reduce your payment, or access cash from your equity.
Hard Money Loans
When banks say no, private money says yes. Fast funding for fix-and-flip and bridge loans.
Why Work with a Mortgage Broker?
Not all mortgage professionals are the same. As your broker, I work for you — not a bank. Here's how I stack up.
“I shop, so you don't have to.”
| Feature | Dan Ardis Mortgage Broker | Big Bank Single lender | Online Lender Algorithm-driven |
|---|---|---|---|
| Multiple lender options | |||
| Shop for best rate | |||
| Personal 1-on-1 service | |||
| Faster closing times | |||
| Flexible programs | |||
| No-bank-approval scenarios | |||
| Expert underwriting knowledge |
Multiple lender options
Shop for best rate
Personal 1-on-1 service
Faster closing times
Flexible programs
No-bank-approval scenarios
Expert underwriting knowledge
Access to Dozens of Lenders
I have relationships with banks, credit unions, and wholesale lenders you can't access directly — giving you more options and better rates.
I Fight for Your Approval
When a traditional bank says no, I find solutions. My 20+ years of experience means I know exactly what lenders need to see.
No Cost to You
Using a mortgage broker doesn't cost you more — in most cases it costs you less. Lenders compete for your business, and my wholesale access means better rates than walking into a bank.
Getting Your Home Loan is Easy
Three simple steps to your new home. I handle the complexity so you can focus on finding your dream property.
Apply Online
Quick application with only a soft credit pull — it won't affect your credit score. Takes about 10 minutes.
No hard pull until you're in a real escrow.
I Shop For You
I compare rates, fees, and terms from multiple lenders to find your absolute best deal.
You get options, not just one take-it-or-leave-it offer.
Close & Move In
Fast closing, transparent process, no surprises. I'm with you at every step.
Average closing 21-30 days. Faster than big banks.
Soft credit pull only · No obligation · Results in minutes
What Our Clients Say
Don't take our word for it. Here's what real clients say about working with Dan Ardis.
“We cannot thank Dan Ardis enough for the incredible job he did guiding us through the home-buying process! From start to finish, Dan's professionalism, expertise, and unwavering support made what could have been a stressful experience feel seamless and straightforward. We felt like a top priority throughout the entire process. Thanks to Dan, we are now proud homeowners. If you're looking for someone who genuinely cares and will go above and beyond to make your dream of homeownership a reality, look no further. Highly, highly recommend Dan Ardis!”
“We cannot thank Dan Ardis enough for the incredible job he did guiding us through the home-buying process! From start to finish, Dan's professionalism, expertise, and unwavering support made what could have been a stressful experience feel seamless and straightforward. We felt like a top priority throughout the entire process. Thanks to Dan, we are now proud homeowners. If you're looking for someone who genuinely cares and will go above and beyond to make your dream of homeownership a reality, look no further. Highly, highly recommend Dan Ardis!”
“Dan Ardis went above and beyond to get my loan done in record time. We had a very short escrow period and a very complex transaction. Dan was super responsive and was able to pull off a change in the loan amount at 3:45 on a Friday before closing on Monday! I will recommend Dan and Barrett to anyone looking for a loan!”
“Spoiler alert: Just give Dan a call — it will be worth your time! Dan and his incredibly efficient team helped us get qualified, funded, and closed on our first home in a matter of a few days. His breadth of knowledge and experience is vast and he helped walk us through many options as we sought the correct path to closing. Dan is a rare find, don't hesitate to work with him.”
Free · No Obligation · 60 Seconds
What's My Rate?
Answer 3 quick questions and Dan will reach out with personalized rate options — no pressure, no commitment.
- ✓Dan shops 40+ lenders to find your best rate
- ✓Soft credit pull only — won't affect your score
- ✓Response within 1 business hour
- ✓Licensed in CA, TX, AR — can lend in 49 states
What are you looking to do?
Mortgage Tips & Market Updates
Expert insights to help you make smarter home financing decisions.
FHA vs Conventional Loans: Which is Right for You in 2026?
Comparing FHA and conventional loans can be confusing. We break down the key differences in down payment, credit score requirements, and mortgage insurance so you can make the right choice.
VA Loan Benefits: Everything Bakersfield Veterans Need to Know
If you've served our country, you've earned one of the best mortgage benefits available — zero down payment, no PMI, and competitive rates. Here's how to use your VA benefit.
Bakersfield Real Estate Market Update: Spring 2026
Bakersfield's housing market continues to offer relative affordability compared to LA and the Bay Area. Here's what buyers and sellers need to know about inventory, prices, and rates.
Find Us in Bakersfield
Serving Bakersfield, Kern County, and clients across California and the nation.
Get in Touch
Serving All of Kern County & Beyond
Bakersfield · Delano · Tehachapi · Ridgecrest · Wasco · Shafter · Arvin and clients statewide in California, Texas, Arkansas, and up to 49 states nationwide.
Ready to Find Your Best Mortgage Rate?
Apply in minutes online or call Dan directly at (661) 342-9381 — he picks up.