My Mortgage Company · Licensed CA Broker
All Loan Programs
My Mortgage Company, Inc. offers a full range of mortgage programs for first-time buyers, veterans, investors, and self-employed borrowers throughout Bakersfield, Kern County, and California. NMLS #2269164 · DRE #02168831.
Government-Backed
Standard Loan Programs
FHA, VA, USDA, Conventional, and Jumbo loans — the core programs for most homebuyers.
FHA Loans
Government-backed loans with flexible credit requirements starting at 580. The most popular program for first-time buyers in Bakersfield and Kern County.
VA Loans
Exclusively for veterans, active-duty military, and surviving spouses. No down payment, no monthly mortgage insurance, and competitive rates.
Conventional Loans
Best for buyers with 620+ credit. PMI drops automatically at 80% LTV. Available in conforming amounts (up to $766,550) and jumbo.
USDA Loans
Zero-down financing for eligible rural and suburban areas. Parts of Kern County — including Rosamond and Wasco — may qualify.
Jumbo Loans
Loan amounts above conforming limits for higher-priced properties. Requires strong credit (700+) and typically 10–20% down payment.
Non-QM Programs
Specialty & Investor Loans
Non-Qualified Mortgage (Non-QM) programs for self-employed borrowers, real estate investors, and situations that do not fit conventional guidelines.
Bank Statement Loans
Qualify using 12 or 24 months of bank statements instead of tax returns. Designed for self-employed borrowers and business owners. Non-QM.
DSCR Loans
Qualify based on the property's rental income — no personal income documentation required. For real estate investors with income-producing properties. Non-QM.
Hard Money / Bridge
Asset-based lending with closes in as little as 7–14 days. Short-term financing for investors who need speed. Non-QM.
Fix & Flip Loans
Purchase price plus renovation costs in one loan, with a draw schedule for rehab funds. Based on After-Repair Value (ARV). Non-QM.
Non-QM loans are not federally backed and carry different qualification standards than FHA, VA, USDA, or Conventional programs. Not all applicants will qualify.
Not Sure Which Program?
Let Omar Help You Choose the Right Loan
Every borrower's situation is different. Get a personalized recommendation — no obligation, no hard credit pull until you're ready.
My Mortgage Company, Inc. · CA DRE #02168831 · NMLS #2269164 · Broker: Omar L. Ortiz, NMLS #951384, DRE #02056548. Licensed by the California Department of Real Estate. Loans subject to credit approval. Not all applicants will qualify. Interest rates and program availability are subject to change without notice. Non-QM programs are not federally backed. This is not a commitment to lend.