Mortgage Broker in Delano, CA
My Mortgage Company serves homebuyers in Delano, CA with FHA, USDA, Conventional, and investor loan programs. Pre-approvals issued in as little as one business day.
30 mi north
Distance to Bakersfield
Kern County
County
~50,000
Population
3.5%
Min Down (FHA)
Home Loans in Delano, CA
Delano is the second-largest city in Kern County after Bakersfield, located 30 miles north along Highway 99. The city's economy is anchored by agriculture, healthcare, and a state correctional facility — providing stable employment for a large working-class population. Home prices remain accessible, and USDA loan eligibility may apply to outlying areas. Delano is a strong market for first-time buyers using FHA financing and investors building buy-and-hold portfolios at low acquisition costs.
Best Loan Programs for Delano Buyers
FHA Loans
The most popular first-time buyer program in Delano — 3.5% down, 580+ credit.
USDA Loans
Outlying areas of Delano may qualify for USDA zero-down — verify by address.
Conventional
Competitive option for buyers with established credit and steady employment.
DSCR Loans
Low acquisition prices make Delano attractive for rental investors using DSCR.
Serving Delano, CA
Ready to Get Started?
Omar personally reviews every file. Pre-approval letters issued in as little as one business day.
Home Buying FAQ — Delano, CA
What loan programs are available in Delano, CA?
My Mortgage Company offers FHA, VA, Conventional, USDA (where eligible), DSCR, and Hard Money loans in Delano. Omar selects the best-fit program after reviewing your credit, income, and goals.
What is the FHA loan limit in Delano, CA?
Delano is in Kern County, which has a 2024 FHA loan limit of $498,257 for a single-family home — well above the median Delano home price.
How do I get pre-approved for a home in Delano?
Start with the pre-approval form on this site or call Omar at (805) 249-0131. With complete documentation, pre-approval letters are typically issued within one business day.
Buying a Home in Delano?
Omar L. Ortiz · NMLS #951384 · My Mortgage Company · NMLS #2269164 · CA DRE #02168831
My Mortgage Company, Inc. · CA DRE #02168831 · NMLS #2269164 · Omar L. Ortiz DRE #02056548 · NMLS #951384. All figures and program details are for informational purposes only and are not a commitment to lend. Loan approval is subject to credit, income, and property qualification. USDA eligibility is subject to property location and borrower income limits. Not all programs are available in all areas.