Does Dan only work in Bakersfield, or across all of California?

Dan originates loans across the entire state of California. Bakersfield and Kern County are his home base with 20+ years of local experience, but he has dedicated local pages and experience across Los Angeles, the Bay Area, San Diego, the Central Valley, and the Inland Empire.

What is CalHFA and how does it help me buy in California?

CalHFA is California's state housing finance agency, offering down payment assistance programs that can cover some or all of your down payment and closing costs. Dan is CalHFA-approved and can walk you through eligibility for your specific situation.

Will I need a jumbo loan in California?

It depends heavily on where you're buying. Coastal and Bay Area markets frequently require jumbo financing, while the Central Valley and Inland Empire often stay within conforming limits. Dan can tell you where that line falls for your target area.

Are USDA loans available in California?

Yes, in qualifying rural and agricultural communities, particularly across the Central Valley. Dan can confirm eligibility for a specific address.

Dan Ardis | NMLS #1412272 | Based in Bakersfield, Licensed Statewide

California Mortgage Broker

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Dan Ardis is a Bakersfield-based mortgage broker originating loans across California, from the Bay Area and Los Angeles to the Central Valley and the Inland Empire, with 20+ years of underwriting experience and CalHFA down payment assistance approval.

Apply Now for Free (661) 342-9381

The California Housing Market

California is a state of extremes: the Bay Area and coastal Southern California regularly push purchases into jumbo territory, while the Central Valley, from Bakersfield to Fresno, Modesto, and Visalia, and the high desert Antelope Valley remain some of the more attainable markets in the state. The 2026 conforming loan limit is $806,500 for most counties, with higher limits up to $1,089,300 in the highest-cost coastal metro counties. CalHFA down payment assistance programs are available statewide for qualifying buyers, and USDA rural financing remains an option in agricultural communities across the Central Valley.

Why Choose Dan Ardis in California?

Dan's home base in Bakersfield gives him deep, firsthand experience with Central Valley income types, agricultural, seasonal, and self-employed, while his wholesale lender network and jumbo relationships cover the state's highest-cost coastal markets just as well. As a CalHFA-approved originator, he can layer down payment assistance into a purchase when it's the right fit, and as a former Senior Specialty Underwriter, he pre-underwrites files so there are fewer surprises in escrow, whether you're buying a $350,000 home in the Valley or a jumbo purchase in the Bay Area.

Loan Programs in California

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Mortgage FAQs for California

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Ready to Buy or Refinance in California?

Apply online or call Dan at (661) 342-9381 for a free consultation. Licensed to lend in California.

Apply Now (661) 342-9381