Your Bakersfield
Mortgage Broker.
20+ Years of Getting Families Home.
I shop dozens of lenders so you get the most competetive rates and 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 & Washington. Can lend in up to 49 states.
For Investors & Business Owners
Financing a commercial property, mixed-use deal, or investment portfolio?
Dan structures commercial loans, bridge financing, and hard money for clients across Kern County and nationwide.
Market averages for informational purposes only. Actual rates vary by credit score, down payment, and loan type. Call Dan for your real quote.
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.
One Broker. Every Scenario.
Whether You're Buying a Home or Building a Portfolio
Dan originates residential, investment, and commercial loans. Find your situation below.
Homebuyers & Families
Buying your first home, moving up, or refinancing. Dan works every residential loan type and handles complex income files most brokers send back.
- FHA, VA, conventional & jumbo loans
- 0% down options for eligible buyers
- Complex income qualification (IHSS, RSU, trust, commission)
- Refinance & cash-out programs
Investors & Landlords
Building a rental portfolio or flipping properties. DSCR loans qualify on the property's rental income, not your personal tax return.
- DSCR loans: no W-2 or tax return required
- 2-4 unit & small multifamily financing
- Hard money & bridge loans
- Fix-and-flip programs
Business Owners & Developers
Commercial real estate, SBA financing, construction, and mixed-use projects. Dan has access to 2,600+ commercial lenders nationwide.
- Commercial real estate loans
- SBA 7(a) & 504 programs
- Bridge & construction financing
- Mixed-use, retail & industrial properties
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 most competitive rate | |||
| Personal 1-on-1 service | |||
| Faster closing times | |||
| Flexible programs | |||
| No-bank-approval scenarios | |||
| Expert underwriting knowledge |
Multiple lender options
Shop for most competitive rate
Personal 1-on-1 service
Faster closing times
Flexible programs
No-bank-approval scenarios
Expert underwriting knowledge
I Was an Underwriter Before I Was a Broker
Most brokers learn the job by closing loans. Dan learned it by approving them. Before originating, he spent years as a Senior Specialty Underwriter reviewing exactly the kind of complex files most brokers still puzzle over. That background means he builds your file the way an underwriter expects to see it — not the way a salesperson thinks it looks.
I Work the Files Others Send Back
Commission-only income. IHSS caregiver pay. Trust-owned properties. RSU compensation with continuance questions. DSCR investment deals. Self-employed with aggressive write-offs. Most lenders have a box. When your situation doesn't fit, they decline and move on. Dan knows which lenders handle which scenarios, and how to structure the file so it actually closes. See the expertise guides →
100+ Lenders Means More Than Just a Lower Rate
Rate is one benefit of wholesale access. Program depth is the other. Non-QM lenders for bank statement income. DSCR lenders for investment properties with no personal income requirement. Specialty lenders for non-warrantable condos, rural properties, and jumbo loans under unusual circumstances. Dan matches your actual situation to the lender built for it.
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 you the most competitive options available.
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 for your most competitive rate
- ✓Soft credit pull only. Won't affect your score.
- ✓Response within 1 business hour
- ✓Licensed in CA, TX, AR & WA, lending in 49 states
What are you looking to do?
Mortgage Tips & Market Updates
Expert insights to help you make smarter home financing decisions.
Why Bakersfield Buyers Are Getting Crushed by Home Insurance Costs
Home insurance in California has become a serious obstacle to closing. Kern County buyers are seeing premiums double, carriers exit the market, and deals fall apart at the last minute. Here is what is actually happening.
Why Waiting for Rates to Drop May Cost You More Than High Rates Do
The logic seems sound: wait for rates to fall, then buy. But the math often works against buyers who sit on the sideline. Here is the actual calculation most people are not running.
Best Mortgage Programs for First-Time Buyers in Bakersfield, CA (2026 Guide)
FHA, Conventional 3%, CalHFA, VA, USDA, the right loan depends on your credit score and situation. Here's how to pick the one that actually saves you money in Bakersfield.
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, Washington, and up to 49 states nationwide.
Common Mortgage Questions
Straight answers. No fluff.
Ready to Find Your Most Competitive Mortgage Rate?
Apply in minutes online or call Dan directly at (661) 342-9381. He picks up.