Business Details
Your Trusted Mortgage Partner in Bakersfield, CA
All Pacific Mortgage is a dedicated residential mortgage lender committed to empowering homeownership through personalized service and expert guidance. Our team of trusted advisors prioritizes clear communication, client education, and responsiveness to ensure a secure and transparent loan process. With decades of combined experience in mortgage lending, we specialize in creating tailored solutions for clients across multiple states. Our licensed professionals operate under strict compliance with state regulations, maintaining active licenses in California, Arizona, Colorado, Oregon, Texas, and Washington. We pride ourselves on building long-term relationships with clients and partners, emphasizing integrity and reliability in every transaction.Our comprehensive loan programs include conventional, FHA, VA, USDA, jumbo, rehab, and construction loans to meet diverse financial needs. Backed by All Pacific Mortgage, Inc. (NMLS ID 2427), we maintain a strong reputation for excellence in mortgage services since our establishment. Our principal office in Bakersfield, California serves as the foundation for our multi-state operations, supported by local expertise in each market we serve. We actively engage with clients in both English and Spanish to accommodate diverse communities. Our mission remains focused on making homeownership accessible and stress-free through innovative solutions and dedicated support.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Rehab Loans
Construction Loans
Highlights and features
- We offer state-licensed mortgage expertise across six U.S. states.
- Our team provides personalized loan solutions for diverse financial situations.
- We maintain multiple loan program options including specialty financing.
- Our advisors emphasize transparent communication throughout the lending process.
- We operate with multilingual support for English and Spanish-speaking clients.
Associations and certifications
- California Department of Business Oversight
- Arizona Department of Financial Institutions
- Colorado Division of Real Estate
- Oregon Division of Finance and Corporate Securities
- Texas Department of Savings and Mortgage Lending
- Washington Division of Consumer Services
What people say
Never go anywhere else again
Trusted mortgage services
Expert guidance
Services
Conventional Loans
Standard mortgage products with competitive rates for borrowers with strong credit profiles. These loans follow Fannie Mae and Freddie Mac guidelines, offering flexible terms up to 30 years. Ideal for home purchases or refinancing with down payments starting at 3%.
FHA Loans
Federal Housing Administration insured loans requiring lower minimum down payments and credit scores. Designed for first-time homebuyers with 3.5% down options and lenient qualification criteria. Available for primary residence purchases in all service areas.
VA Loans
Exclusive mortgage benefits for eligible military personnel and veterans with zero down payment options. No private mortgage insurance required, featuring competitive interest rates and flexible underwriting standards for qualified applicants.
USDA Loans
U.S. Department of Agriculture guaranteed loans for rural property purchases with zero down payment. Income limits apply, offering 100% financing for eligible buyers in designated rural areas across our service states.
Construction Loans
Specialized financing for custom home construction with staged disbursements during building phases. Converts to permanent mortgage upon completion, offering flexible terms for new home development projects in approved locations.
People
Annie
Mortgage Advisor
Licensed mortgage professional with 15+ years experience guiding clients through the loan process. Specializes in first-time homebuyer programs and multilingual support services.
Norm
Loan Officer
Certified mortgage expert focusing on conventional and government-backed loan programs. Committed to transparent communication and personalized financing solutions for diverse client needs.
Terry
Mortgage Consultant
Seasoned loan professional with expertise in specialty financing options including rehab and construction loans. Dedicated to helping clients achieve homeownership through innovative mortgage products.
Questions
What loan programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, rehab, and construction loans with personalized options for each borrower's unique situation.
Are you licensed in my state?
We operate with active licenses in California, Arizona, Colorado, Oregon, Texas, and Washington through state-specific regulatory approvals.
Can I apply in Spanish?
Yes, our team offers complete mortgage services in both English and Spanish to accommodate all clients.
What down payment assistance options exist?
We offer FHA loans with 3.5% down, VA loans with zero down for veterans, and USDA loans with 100% financing for eligible rural properties.
How does the mortgage process work?
Our process includes pre-approval, property selection, loan application, underwriting, and closing with continuous support from our mortgage advisors.
