Mortgage Broker in Wasco, CA
My Mortgage Company offers USDA zero-down, FHA, and Conventional loans for homebuyers in Wasco, CA. Omar serves all of Kern County with fast pre-approvals and personal service.
30 mi northwest
Distance to Bakersfield
Kern County
County
Typically yes
USDA Eligible
Rose Capital of the World
Known For
Home Loans in Wasco, CA
Wasco is a small city in northwestern Kern County, known for its rose-growing industry and agricultural economy. Located approximately 30 miles northwest of Bakersfield on Highway 46, Wasco often qualifies for USDA Rural Development loans — a zero-down financing option that makes homeownership accessible for buyers who meet income limits. Home prices in Wasco are among the lowest in Kern County, making it a target market for first-time buyers and buy-and-hold investors.
Best Loan Programs for Wasco Buyers
USDA Loans
Wasco regularly qualifies for USDA zero-down loans — ideal for income-eligible buyers.
FHA Loans
3.5% down, flexible credit — perfect for first-time buyers in an affordable market.
Conventional
For buyers with strong credit who want to avoid mortgage insurance long-term.
Hard Money / Bridge
Fast acquisition financing for investors targeting Wasco buy-and-hold properties.
Serving Wasco, CA
Ready to Get Started?
Omar personally reviews every file. Pre-approval letters issued in as little as one business day.
Home Buying FAQ — Wasco, CA
Does Wasco, CA qualify for USDA loans?
Yes, Wasco has historically qualified as a USDA-eligible rural area, allowing zero-down financing for income-eligible buyers. Property eligibility is confirmed by address — Omar verifies this during pre-approval.
What are home prices like in Wasco, CA?
Wasco offers some of the most affordable home prices in Kern County, often below $300,000. This makes it especially attractive for first-time buyers using FHA or USDA programs with minimal down payment requirements.
Can investors buy rental property in Wasco with a DSCR loan?
Yes. DSCR loans qualify based on the property's rental income rather than personal income, making them a flexible option for investors acquiring buy-and-hold rentals in Wasco.
Buying a Home in Wasco?
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.